BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-22
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased my vehicle XX/XX/XXXX. The dealership submitted the incorrect county ( XXXX XXXX ) to DMV for taxes. I live in XXXX XXXX. XXXX XXXX sent Kia Finance a bill for {$770.00}. Kia Finance paid the bill and then charged my account for those taxes. I contacted Kia Finance several times in XXXX to make them aware i do not live in XXXX XXXX and this tax bill is incorrect. They advised they will submit to their tax department to resolve. In XXXX my statement still reflected the taxes. i contacted Kia finance again, this time i was advised they can not correct the error i need to call the county to correct. I contacted XXXX XXXX and they confirmed they deleted my vehicle from their system and DMV was updated to show my correct county of XXXX. They also confirmed they returned the refund to Kia finance. My XXXX statement still showed the tax bill from XXXX XXXX. I called Kia finance again and was advised i needed to submit my registration and an explanation of why i feel i am not responsible for the taxes. i advised them the refund was sent to them, however i kept being told they can not call the county to track down the refund and that i had to call. The county advised i am not the owner of the vehicle and therefore kia finance needed to call them to resolve. Mid XXXX i started to receive collection calls. instead of them contacting the county to find out where their refund was they starting applying my payments to the tax bill and therefore showing me as past due and calling me to collect. i spoke to several agents pleading with them to call the county to resolve with no one taking ownership to assist. I contacted the title manager at the dealership to help me resolve since they made the error on my tax locality, Kia finance refused to talk to her to resolve. Now we are in XXXX. up until a week ago i was still receiving collection calls. i spoke with a rep name XXXX. she put a hold on the collection calls while she submitted a request to the tax department to research. She called my Friday XX/XX/XXXX to inform me the tax department confirmed they did receive a refund check from the county yet it still has not been applied to my account and therefore my account is still showing past due affecting my credit. This is ridiculous that this has been going on for 3 months, with no resolve. There has been nothing but push back on me as the consumer to resolve an issue i did not create. it makes me not even want to keep the vehicle.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: EQUIFAX, INC.
State: WA
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 an incorrect coding of the XXXX XXXX/XXXX   partial account number XXXX. This account actually needs to be coded as an M1. ( Please see pages 6 and 7 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 I purchased 2 puppies for {$1000.00} using Zelle through XXXX  XXXX XXXX. I thought it would be okay to submit payment through Zelle because of how they allow transactions with Small Businesses as there website states. I was told by XXXX  XXXX XXXX that I may not be able to get my money back because Zelle doesn't offer protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
For experian. When I try to request it online. Its says " a condition exists. '' For XXXX it will not give it to me online.

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 2018-03-15
Company: Experian Information Solutions 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:
In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXXI sent a letter requesting that items on my credit were innacurate and asked that they were removed from my credit report. My request had not been answered in the`manner I had hoped for. The items I disputed from my credit report has not been removed and is disrupting my credit worthiness.

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 2020-09-16
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have bought and sold crypto on XXXX for over a year, not large amounts most under 3k at any time. I have never had an issues withdrawing from my account. I sold bitcoin  two days ago and can not get m y money back to my banking account. I have been verified the whole time my account has been open and never had a issue. I have emailed and can not get a clear answer or one that makes sense. I would like to withdraw my money to may bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have. 

We have tried to dispute all the charges assessed by the apartment complex. 
We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Comerica
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I have ( 2 ) Comerica Bank Visa pre-loaded {$25.00} debit cards that have been charged {$2.00} fees per month until they were empty. The terms and conditions with the card are extremely confusing. They say that the fees will begin the 13 month after issuance of the card, but no date of issuance was provided with the card. The card expired XX/XX/17. Typically the fees begin after the expiration date. I do not understand how these fees are legal, but to start taking fees after 13 months from an unpublished date seems extremely wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-20
Company: Michael Harrison, Attorney at Law
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On or about XX/XX/2019, I was served with court to answer a debt owed to XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. 
While I filed a reply, requesting documents about my debt, I was answered with a Motion for Summery Judgement, which to make a long story as short as possible, they were successful.

While, I must state, that the firm was most cordial, and polite in all my dealings with them, I find that by not providing the debtor with an appropriate invoice detailing the charges, prior to, and subsequent to the court action is in my opinion, while obviously legally proper, because after all they did prevail, not morally or ethically correct. 
All in all, not to the determent of the law firm, I feel that I was massively overcharged for the services rendered. and yet no recourse whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Nelnet, Inc.
State: NE
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:
My credit score has been consistently fluctuating by large numbers ( up to 32 points at a time ) since XXXX of XXXX. My XXXX report states that my Federal Student Loan balance ( Serviced by Nelnet Lns ) has increased by upwards of {$2500.00} and the following month decreased by the same amount which shouldn't happen due to the fact that my student loan payment comes out of my payroll and is matched by my employer. XXXX has decreased my score by 16 - 32 points everytime Nelnet has reported my balance increasing ( which is inaccurate because my balance hasn't increased and i've never had a late payment ) but when Nelnet reports my balance decreasing, the points are not given back. My credit score SHOULD NOT BE FLUCTUATING due to my student loans. I have contacted both XXXX  and Nelnet. 

XXXX - When i contacted the company, i received THE WORST CUSTOMER SERVICE i have EVER experienced. That is saying a lot, considering i have been employed in customer service and loan servicing industry my entire adult life. Not only was the agent rude and combative, but he then explained that there was absolutely nothing he could do for me. When i asked to speak to his supervisor, i was placed on hold for 5 HOURS! Unbelievable! Unacceptable! 

Nelnet - The customer service agent was very nice and helpful but i was told that there seems to be nothing wrong with my account and he didnt understand why i was being negatively reported. 

This situation is in direct violation of UDAPP and FCRA guidelines. I have been dealing with this issue for 8 months and, quite frankly, i don't understand where the issue lies. I need this issue to be resolved as it is adversely affecting my ability to live in today 's society as a single individual. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
An old XXXX account was closed in XX/XX/XXXX due to a prolonged period of inactivity. At some point long after, the credit card company allowed an unauthorized charge of {$390.00}. I contacted them several times to explain that, first, I had not authorized the purchase ; and more importantly, that account had already been long closed at the time they allowed the charge. Each time, they apologized and said that was the end of the matter. On XX/XX/XXXX, I had a conversation with a company representative that, I thought, had finally resolved the issue : they acknowledged that the account had already been closed and agreed to cancel the charge they had posted subsequently. They gave me a Reference Number : XXXX. In the past few months, I have received several notices from the credit card company offering to help me work out a payment plan. I ignored these. I have also been notified of a negative item on my credit report that I can only assume is related to this matter. Now I am getting repeated notices from a collection agency demanding {$720.00} on the credit card company 's behalf.

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 2022-08-12
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the XXXX credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXXBalance : {$8200.00} XXXX XXXX XXXXBalance : {$0.00} XXXX Balance : {$380.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 have consistently been denied access to credit by more then 10 banks because according to my credit report inaccurate items are on there that are tarnishing my reputation. Which is a violation of 15 USC 1692d 1. ( 1 ) the use or threat of violence or other criminal means to harm the physical person, REPUTATION, or property of any person ; is a violation of the Fair Debt Collection Practice Act. I have tried reaching out to have this problem fixed. Nevertheless these inaccurate items are still being reported which is another violation because according to 15 U.S. Code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ; A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency. Those along are enough listed violations to equate to over {$5000.00} in fines. I am a single parent that is trying to support a family of 3. I have paid my dues in society all I am requiring is to be treated fair. Attached is evidence provided in the FCRA book, FDCPA book, and Proof of XXXX  Data Breach Victim

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 2021-09-22
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Cash Central USA took XXXX from my account that was not authorized. They asked to do a test transaction and they took XXXX from my account. I asked them what they were doing and they said I'd get the money right back. I have not received the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020 XXXX XXXX XXXX removed the closed account # XXXX from my XXXX report, but not from Experian or XXXX report. 

I'm requesting XXXX XXXX XXXX to include Experian and XXXX in the removal of my closed account # XXXX. Respectfully, 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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transunion Refuse to do a proper investigation of inaccurate accounts on my credit report. Disputes have came back verified, which I know for a fact is inaccurate. I asked Transunion the following RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 
I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 
I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully, Trans union refused to send me any data to help with my investigation. So I believe Transunion is in the business of furnishing fraudulent information, because of the lack of following the law.

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 2020-09-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I forwarded a tax bill to Lakeview loan servicing, XXXX XXXX XXXXXXXX XXXX XXXX  Va. XXXX for this to be paid out of escrow per instructions at closing. On XX/XX/XXXX over ONE year later I received the same tax bill again, as it remained unpaid. During this year I never received any communication from Lakeview. On XX/XX/XXXX I sent the bill again, this time via certified/signature required. It arrived and the signature on this receipt is COVID-19, date of delivery is XXXX XXXX, XXXX. Apparently they either don't want to identify who picks up mail and signs, or they think the virus is a joke. No professionalism here. It has been 14 days since they signed, I have not received any correspondence once again. I think this extremely incompetent, and I am doubtful that I will receive a reply. Because they did not respond the tax bill has added fees. They have changed my mortgage payment already on two occasions, so if necessary to pay the tax bill I am sure that would not be a problem, as I indicated in my letter to them. I have copies of all documents mentioned. They need to pay the bill!!!

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