BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-23
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a new customer of Hyundai Finance and my first payment on my car loan was scheduled to be due on XX/XX/2020. I called Hyundai Finance on XX/XX/2020 to request that the due date be change to the XXXX of each month to match when my husband and I get paid. I spoke to XXXX who informed me that the requirements to changing the due date where ( 1 ) Loan must be current ( which it was on XX/XX/XXXX ) and ( 2 ) Change can only be done twice in the life of the loan ( which this would have been the first change ). Since I qualified for the payment due date change, XXXX advised me there would be no problem and the due date was changed to XX/XX/2020 and to the XXXX of each month there after. 

We presumed that the due date had been changed as XXXX confirmed until we received an email on XX/XX/2020 that my loan was now past due. I called Hyundai Finance on XX/XX/2020 after receiving that email, I was given conflicting information that the request was still in progress, that the change was not processed, etc. I was transferred no less than 5 times, put on hold for several hours cumulatively. I was finally transferred to a Supervisor by the name of XXXX ( # XXXX ) who did not care what XXXX had ensured me had been done on XX/XX/XXXX, informed me that now no change could be made to the due date because the account was now one day past due and therefore not current and informed me that a due date can never be changed to the XXXX of the month. I was brand new to this company, called on XX/XX/XXXX way before the due date, and requested and was granted a due date change to the XXXX of each month by XXXX. I relied on that fact and now I am being penalized that XXXX did not do his job right and I relied on it.

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 2022-06-19
Company: EQUIFAX, INC.
State: AL
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:
n accordance with the Fair Credit Reporting act XXXX  Account # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: ZWICKER & ASSOCIATES
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Company delivered printed personal financial information to my daughters husband while I was not present. No even in an envelope, just handed over all my personal info.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Sometime around XXXX, I called XXXX to inquire about help on payments regarding change/loss of jobs due to COVID-19 and/or what I should do if I can no longer afford the payments. I was able to defer payments with no late fee or any delinquent payments for up to 10days- I was informed that after the 10days was up they will no longer be able to prevent the deferment from affecting my credit and that I would need to pay {$590.00} by XX/XX/XXXX to ensure I am not considered " late '' on payments.

XX/XX/XXXX- I spoke with XXXX from Chase ( bank in charge of the lease ) regarding further options and was told that my lease agreement is set and I will be unable to negotiate a lower payment plan or change the lease agreement in any way during the duration of the lease contract. My only other option is a voluntary repossession which will in turn negatively impact my credit score and my ability to find a place to live. 

I am a XXXX XXXX  who works part-time at a XXXX job who came to the XXXX XXXX  to only look at my potential options and what is a feasible option for a XXXXyr old living on her own and paying rent at the time. I now realize ( after speaking with older adults who have car buying experience ) how extremely reckless it was to get into a lease agreement such as this with no prior knowledge of how buying/leasing a car works, let alone my income should have been a red flag as to my lack of funds to pay for a car as expensive as this one, and tacking on negative equity which I also felt was not explained to me and I had no knowledge on when agreeing to this lease. The dealership should take responsibility and know well enough that a girl my age, in college, with a part-time job most certainly CAN NOT afford a XXXX car with this ridiculous monthly bill on top of my $ XXXXmonth rent which left me with no choice but to end my housing lease and not resign and live at a friends house or else I would be essentially homeless. I put a XXXX down payment yet my monthly bill is {$590.00}. I am jeopardizing my education to work as much as I can to pay this bill that I should not have been coaxed into getting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : XXXX DOB : XX/XX/XXXX 2 XX/XX/XXXX To Whom It May Concern, I recently pulled a copy of my credit report and noticed the following information are in error. I have contacted all three credit bureaus XXXX, XXXX, and Transunion on XX/XX/XXXX and these inquires and addresses have not been removed. 

Credit Inquiries The FCRA states that the only permissible purpose for pulling someones credit report is Firm offer of XXXX XXXX XXXX XXXX Order The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX   XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX The following addresses are not related to me for any purposes : Former Address2 XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX   First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address4 XXXX XXXX XXXX   XXXX, VA,XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former AddressXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA,XXXX First Reported XX/XX/XXXXLast Reported XX/XX/XXXX Former AddressXXXX XXXX  XXXX XXXX XXXX, VA,XXXX First Reported XXXXLast Reported XX/XX/XXXX Please remove these inquiries and addresses from my credit report immediately. I have enclosed a copy of my drivers license as proof of my identity. 


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 non-monetary relief
Consumer complaint received 2018-10-03
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
hello, I have a first mortgage with wellsfargo, i was unable to pay my mortgage from XX/XX/XXXX of this year to XX/XX/XXXX due to lack of employment and or low income employment I went through a " loan modification '' process with wells fargo the during the modification process I informed wellsfargo that I secured a full time job with the XXXX paying a good salary and my start date is XX/XX/18 for some reason they did not submit my offer letter with the modification and told me I was denied modification and would have to go through the process again. I went through the modification and also submitted the offer letter as well as a pay stub. I was told I was denied modification because the " investor '' does not allow a second modification with in a 5 year period, I asked them why did they not tell me this from the beginning? they stated they are not allowed to. the income that I am making plus my rental income will more than enough cover any modification they may have, I even asked them how about a separate payment plan to pay of the XXXX balance which I can do in 16 months. they did not respond to that. they ask me if I want to keep my place but it seems they are not trying to help me keep my place. please help!

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 2020-12-10
Company: WELLS FARGO & COMPANY
State: MA
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/XXXX, XXXX XXXX XXXXXXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX, XXXX XXXX XXXX and WELLS FARGO DEALER SVCS add a hard inquiries on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2020-07-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a checking account with XXXX XXXX ( back when that's what it was called ), my husband was not on the acct initially but I added him when my health dictated I wouldn't always be able to get there. At one point they called me and asked if I would like to have overdraft protection and I said no, I did not, I wanted the charges so I would be motivated NOT to get them. Then I got something in the mail a few months later and it was a bill for overdraft protection. I took it to the bank and asked why I was getting it, they said, because you have o.p. I repeated that I did not have it, I'd declined it and the branch manager looked it up and said, yes, I see right here that you said no, however we called your husband and he said yes. so I said I would pay the checks but not those fees. A few years later I was taken by them to small claims court and my husband went in my stead as I was too ill to go. The case was found that I do not have the income to pay this back as I only have XXXX. The bank charged it OFF but has continued to add up fees. I am not going to pay XXXX in fees but have again told them I will pay the XXXX and change when they provide me with a letter stating that this has been an accepted agreement with them. They would NOT speak to my husband as he was NOT on the o.p., but neither was I, and though they've told him repeatedly that they wouldn't speak to him they HAVE been speaking to them. I have tried to as well and the phone call convienently gets dropped constantly. I asked them for proof of my signature on a promissary note and they said they don't provide that to the customer, they also wouldn't send me anything stating that this account is in dispute. They are making it virtually impossible for me to pay what I owe which is the checks and their associated fees ( the insf fee ) yet KEEP racking up finance charges, I've also NEVER received anything from them stating they are still charging fees. They've got me between a rock and a deceptive, fraudulent place and I need assistance with them to pay them what I owe and get the credit report reported to honestly. please help me, thank you, 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 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instruction under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan go late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: PENNYMAC LOAN SERVICES, LLC.
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
After filing my complaint with cfpd Pennymac contacted me. Once I recieved the letter detail all but one of my request. I contacted the agents phone number listed but they have not responded to my cal over a month and a half ago. My question had to do with the borrower who has refinance FHA-to-FHA and the refund of my Up Front Mortgage Insurance Premium. According to the FHA Loan Handbook, HUD 4000.1, The UFMIP is not refundable, except in connection with the refinancing to a new FHA-insured Mortgage but only within a certain time limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/, I was notified by Chase Credit Journey with the a message stating card over limit. I logged into my Chase account and reviewed the message, which includes current balance, account number, and credit limit. I didnt recognize the charges plus I dont have any credit cards with the limit stated. To confirm, I reviewed my account versus my credit card number, which didnt match. I immediately called Chase and reported fraudulent activity. After calling Chase, I called Chase Credit Journey and reported fraudulent activity. I was transferred to XXXX XXXX and fraud department who shared that account was opened and I was selected as an authorized user. I confirmed that I have not shared my social security number nor have I authorized anyone to open credit of any kind. After the call, I changed all my passwords on my financial apps, put a credit freeze and added alerts through XXXX, XXXX, and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-05
Company: Experian Information Solutions Inc.
State: OH
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 sent a second certified dispute to XXXX, Experian, and XXXX on XXXX/XXXX/203 regarding an unverified account on my credit report. XXXX XXXX XXXX is on my credit report the credit reporting agencies claimed was verified. I did a direct dispute with the creditor as advised by XXXX only for the mail to be returned. This also is a medical debt that is below {$500.00} and under the XXXX XXXX XXXX, it should not be reported.

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 2020-12-11
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
On XX/XX/2020, I was making a large online purchase with XXXX XXXX XXXX  ( XXXX  ). Through the purchase process, there was an option to finance the purchase with 0 % interest for 6 months. I applied for and was approved for the financing. On the next screen, a credit limit and account number were populated along with an option to " shop now ''. In my consumer mind, the " shop now '' option would allow me to shop using the new credit line issued through Citibank XXXX XXXX. When I got back to the check out screen for XXXX, there was no account number populated. I then checked my email, where I had confirmations from XXXX and Citibank. The Citbank confirmation email directed questions to a link and stated simply type " I am a new Card holder '' in the chat window. When I did that, I was directed to a list of FAQs. One of which was, " Where can I find my Account Number ''. The answer to this FAQ was : " Oh, good question! I can help you find that. If you processed the application online and it was approved, on the final screen it shows the credit limit and also your card number. That is the only time when the full account number will be listed online. We do that for your protection! If you skipped over that screen, or you had any other errors, you can call customer service in the first 10 days following the application to get your card number. Customer service will connect you to our security team and after a few verification questions, you can obtain your card number. There you go! '' When I called customer service and verified my information, they refused to provide my account number and stated that they were not allowed to provide it not matter what the website said. 

My purpose for applying for this credit line was to pay for my purchase that day. Through the application process, there was never any indication that I would not be able to use the account that day on that purchase. My credit was inquired upon, causing consumer harm, as I was not allowed to use the account for the intended purpose. 

I want this credit inquiry wiped from my credit report. It is unfair and deceptive to advertise financing of a purchase when there is no mechanism for the consumer to use the credit line for the purchase in front of them. Further, Citibank 's website provided incorrect and misleading information related to XXXX new account holders. This misinformation should be corrected to prevent future consumer harm. It is unfair for my credit to be negatively impacted in conjunction with this credit inquiry as I was not disclosed as to the fact that I would not be permitted to use the credit line on the purchase for which I seeking financing. I have asked Citibank to close the account and I want the inquiry removed from credit.

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 2023-11-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 

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  ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019 at XXXX XXXX  when checking my email account I noticed a email from my credit monitor service ( XXXX XXXX ). It said there was a new inquiry. I opened the XXXX XXXX app and review my credit report to find that someone opened a new Kohl's/Capone charge card under my name which I didn't do. I spoke with Kohls fraud department and they shut the card done and labeled it as fraud. The incident number is XXXX. I made a report to my police department and to XXXX XXXX credit beuerWrite to XXXX. We've created a letter for you based on the information you've already provided.u for a fraud alert. The amount spent on the charge card was {$15.00}.

Company response to consumer: Closed with non-monetary relief