BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-28
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX XXXX XXXX XXXX XX/XX/2021 REPORT OF : IDENTITY THEFT Contact information : ( XXXX ) XXXX Email adress : XXXX I recently notice I was not recieiving mail from My mailing adress. First a little then a large quantity of mail was not showing up. Then I notice I would recieve notices and letters from a financail institution I did not bank with and they were late or final notices. At first i did not think much of it, then I was conversing with a collegue at work and they informed me that it sounded like early warning signs of identity theft. This has never happened to me so I did not know what step to take to protect my self from this situation I have never took on before. Once I check my credit score which my sister recommended, then I notice negative markings on my report, so then I realized I must do more research on how to report these impersonating scammers. My research led me to this website which has me now reporting this crisis in my life seems to be going thru. Here or some financial institutions which I recieve accounts under my name which I was not aware of or recall at all opening XXXX, XXXX XXXX bank of the west, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, current. I don't know how long this was in effect BUT SEEM TO ALL HAPPEN AROUND XX/XX/2021 UP IN TILL NOW XX/XX/2021 and each leaving me with a debt of thousands of dollars. Which is now leaving me stuck with negative mark on my credit score from people stealing mail from my mailing adress but have took measurments on how to prevent it from continuing much help is greatly needed please and thankyou have a great day.

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 2021-10-29
Company: HYUNDAI CAPITAL AMERICA
State: CT
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Lease with Hyundai Motor Finance initiated in XXXX for a XXXX XXXX XXXX XXXX. Lease buy out was executed in XXXX after following proper steps at end of lease term to obtain pay off balance and notify Hyundai. Consumer pursued a loan through XXXX 's XXXX XXXX XXXX in CT for purchase price of car. Consumer assumed title had been transferred to XXXX XXXX XXXX XXXX XXXX. 

During XXXX consumer was notified that the credit union never received the title. Consumer called Hyundai to determine why and learned of outstanding property taxes which were owed since the lease buyout. Because the title stayed in the name of Hyundai, property taxes were sent to Hyundai and paid by Hyundai although no correspondence sent to consumer or credit union. Consumer immediately paid outstanding property taxes over the phone expecting title to be released. 

A few months go by and still no title sent to credit union or consumer. Consumer called again only to learn a mileage odometer statement was needed and a bill of sale. This is now three years after the lease buyout and all of this paperwork was originally sent. Another year of taxes paid by Hyundai, consumer again reimburses Hyundai.

Bill of sale has now been sent four times to Hyundai, by fax, through Hyundai secure email service and twice by email to a customer service representative.

No correspondence from Hyundai and terrible customer service every time consumer calls. Collections department is where all calls are routed to for this matter and treated by customer service as if consumer is behind on bills. Consumer continues to ask for manager, none available and has asks multiple times to be transferred to the appropriate department for transferring titles and consumer is told the department doesn't take phone calls. 

Hyundai always verifies contact information when calling so the company knows how to reach consumer but chooses not to. Three years now been trying to have Hyundai release title! Absolute terrible customer service.

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 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute with XXXX and Transunion regarding incorrect items on my credit report. They are reporting a Chapter XXXX and Chapter XXXX on both TransUnion and XXXX. Its been well over 30 days and I haven't received results from investigation. Both Transunion and XXXX have violated my right to privacy... FCRA 15 US Code 1681 ( a ) Section 4. I will seek legal action against both if the don't comply with the law. They fail to comply with request for method of verification. I have provided them with documents from US Court stating that it is illegal for them to give out any information to Consumer Reporting agencies.

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 2023-08-12
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX Account ( s ) # XXXX, # XXXX # XXXX, # XXXX, # XXXX, # XXXX, # 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 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 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act XXXX Account ( XXXX ) # XXXX, XXXX, XXXX, XXXX  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 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 2023-10-03
Company: MOHELA
State: IA
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:
Hello, My name is XXXX XXXX. I am a XXXX XXXX XXXX resident of XXXX XXXX Iowa. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. After I return to the United States I attended XXXX XXXX XXXX XXXX. Although I received a full tuition scholarship, I took out loans in order to afford a place to stay and feed myself. 
I graduated XXXX school in XXXX and since XXXX of XXXX have been on the XXXX waiver. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

During the pandemic my servicer left the student loan market and my loans were transferred to mohela. Because I knew student loan payments were resuming this month, I began filing my paperwork months ago. I knew that the month of XXXX was going to be a disaster for these companies and so I really wanted to make sure that I had everything in order. I applied for and was put on the SAVE repayment option. I received notification that I was accepted on an IDR repayment plan on XX/XX/XXXX of XXXX. 
On XX/XX/XXXX I received a letter from Mohela, without my request or acquiescence, that all but one of my loans were being put into " administrative forbearance. '' Although this will save me money in the coming months, it means that my payments while in forbearance will not count toward my PSLFXXXX payments goal. 

This is unacceptable. My tax dollars have gone to fund payment to servicers like mohela, and despite knowing for over a year now that repayment was to begin, they are not ready. 

It is unconscionable that borrowers are put into this position. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Winklevoss Exchange LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Around XX/XX/2021, I fell victim to XXXX multi-layered scam operations run by XXXX which involved me making deposits for a total amount of XXXX from my Gemini account to fraudulent investment firm ( s ). 

My complaint to the CFPB has arisen as I do not consider, by any stretch of the imagination, the conduct of Gemini to be commensurate with their legal role and responsibility to their customers. They sell a service to look after their customers, protect their money and are a financial institution that maintains a traditional relationship and way of working with its customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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 fraud alerts or security freezes

Complaint:
Attached is a letter to remove a extended security freeze from my TransUnion 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 2023-10-10
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-05
Company: Comerica
State: WA
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 called the social security administration on XX/XX/XXXX, to order a Direct express card because I moved from XXXX and arrived in XXXX  on XXXX XXXX, ,reported my change of address to XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX washington XXXX ,But when i called Direct express at the XXXX They were refusing to cancel Direct express card that was sent out to XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ,it had XXXX dollars on the card and it had been stolen..i tried explaining to them but they kept refusing to listen after stealing XXXX from the card then they started to listen so they sent me a new card to my new address in XXXX XXXX with XXXX dollars on it , ,all of my money was gone except that then what they did was hid the previous transaction from the stolen card so i couldn't retrieve them.. 
But The social security administration allows you to put a trace on all the money they send you so you can report to the police when people steal and scam you out of your ssi benefits or covid 19 benefits.. And they also send you a statement..direct express card services stole XXXX off my card wouldn't let me retrieve or know where the money went or transactions only sent me XXXX dollars of my money on my card, ,I need the XXXX that was stolen from me, ,from the card that they sent to the wrong address at XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX is not my address i live in the state of XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX.. XXXXXXXX XXXX XXXXXXXX..So Direct express shouldn't have sent nothing to XXXX.I want my XXXX back that was stolen..they have the information..they wouldn't let me see it but the social security administration told me ..I need my covid relief money back that was stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
Company: LEXISNEXIS
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:
It has been brought to my attention that Lexis Nexis has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
spoke to Equifax representative name : XXXXXXXX XXXX XXXX XXXX he refused to remove the inquires after me telling he can will remove unauthorized inquiries. Also won't correct the info reporting incorrectly every month which is going against my consumer rights. ANOTHER REPRESENTATIVE DID THE SAME YET HUNG UP IN MY FACE. BOTH SAID THEY DO NOT INVESTIGATE INQUIRES ONCE PLACED ON REPORT EVEN IF DISPUTED VERBALLY OR DISPUTED VERBALLY. REASON THERE STILL THERE NO INVESTIGATION. 

US CODE 15 USC 1681 section 604 of force no unity is allowed to pull my credit report without my permission US CODE 15 USC 1681 section 604 A 1A REQUIRES YOU TO VERFIY ORIGNAL SIGNED CONTRACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Bread Financial Holdings, Inc.
State: LA
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: Problem with personal statement of dispute

Complaint:
I requested that late payments be removed due to my family being infected with the XXXX and they have not been removed. I requested the removal of late payments through credit bureau disputes and online through the credit card company messaging center. 

My account is currently paid off and the 4 late payments from XX/XX/2020 to XX/XX/2020 are greatly impacting my credit score. Prior to the pandemic I did not have any late payments on my account. Once I received my stimulus check I started making regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: NY
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 name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hunter Warfield is a third party debt collection company wanting to collect a debt from me that they purchased, I never received a debt validation letter from this company never received anything from this company other than phone calls asking me to settle the debt.. I tried to reach out to them via phone and was directed to another third party company representing Hunter Warfield.I was asked personal information when I explained that I was seeking debt verification from Hunter Warfield.. Basically I was refused access to a representative of the company directly unless I verified personal information and I refused please help with this matter.. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XXXX of this year I became a victim of XXXX  XXXX and subsequently was fired for that reason from my job. My physical and mental health began deteriorating and I was diagnosed with a XXXX. 
I have a credit card with a {$2500.00} limit and an APR at 25 %. I have had this card for almost 2 years and have great payment history. It is the only credit card that I have. I Called before I even went over my limit and explained to the representative that I Was suffering from a financial hardship, I had no income, and I had just been Diagnose with the XXXX. 
The American with disability act requires requires lenders to offer disabled customers with a reasonable Accommodation if ever they are in a situation where they are suffering a financial hardship. 
I was offered nothing. 
The interest kept growing and I spoke to them a few more times times and the only options they gave me all required the card being closed which is the last thing that I wanted to have happen. The only reason I ever had this card was specifically to make payments on time and build my credit. Within 3 months of that 1st phone call And me doing my due diligence to keep in contact with them throughout the entire 90 days before they closed my account the card has been closed and my credit score has been destroyed. I just got off the phone with a representative from Chase and she said that before they close an account they offer deferment payments or some type of payment plan. I was offered neither. I am currently in the process of getting evicted and I have been applying for homes the last 2 months but unable to rent anything because my credit score is so low. This has been incredibly stressful on me and a huge factor as to why I will likely be homeless in the next week.

Company response to consumer: Closed with explanation