BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-26
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I began financing a vehicle with Kia Motor Finance in XX/XX/2020 ; first payment due in XXXX. Since then I have paid on time and overpaid, every month. My payment is {$720.00} and I pay either {$800.00} or {$1000.00} every month so I can pay the loan off quicker. These payments appear on my Kia payment history so I know theyve been received by the company. 

I received a Notice of Default in the mail threatening to " exercise their rights under the law '' which I take to mean collections. I have an impeccable and unblemished credit history so this is infinitely frustrating. I called Kia Customer Service about two weeks ago to request that my extra payment money be applied to the principle balance. I assume this representative inadvertently messed something up with my account because that triggered this Notice of Default. Kia 's financing website is outdated, useless, and barely functional which is why I couldn't just opt to have my extra payment applied to principle to begin with. 

I attempted to call the number on the notice last night and the rep told me she wasn't equipped to handle my inquiry. She told me to call back between XXXX and XXXX. I called back and spoke to another representative who ( apparently ) was also not equipped because he transferred me and was on hold for an hour and 20 minutes before the call dropped. I spoke to two more representatives that same day and the final one seemed like she would be able to help me, but my account is still showing as overdue. A manager was supposed to call me back and never did. I have also filed a complaint with the XXXX XXXX XXXX that they have ignored.

Not only has Kia Motor Finance managed to XXXX up my account and is jeopardizing my credit history, they are too inept to correct it or to allow me to try and correct 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 2023-08-21
Company: EQUIFAX, INC.
State: NJ
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 looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I purchased some items from two retail stores. One online at XXXX ( XX/XX/19 ), and one in store at XXXX ( XX/XX/19 ). I used my citibank debit card for both purchases. I later needed to return part of my purchase from the XXXX order, to the value of {$120.00}, and the item from XXXX to the value of {$49.00}. I went in store to return the XXXX item ( XX/XX/19 ) and mailed the XXXX items back to await my refund ( XX/XX/19 ). I then needed to close my Citibank account the following day ( XX/XX/19 ), being told by Citibank that there were no pending transactions on my account and that it was safe to close. XXXX informed me that their refund would not process to a closed account and that it would instead bounce back, at which point I would be able to request them to send the money to a different account. XXXX gave me similar information, that the refund should bounce back and they could then process the refund to a different account. After waiting the requested amount of time by both retailers ( up to 10 business days ) I contacted both retailers and asked if the money had bounced back, however both said that the money had been accepted by Citibank ( and sent their proof/bank response codes, attached ). I then called Citibank to locate the missing refunds, however they informed me that there was no possibility of the money being deposited into a closed account and they did not receive the funds. Since then, I've visited several branches, and spoken to several representatives at Citibank who all said Citibank could not locate funds and therefore the funds were still with the retailers. The bankers even submitted tickets to technical support ( twice, one of these is attached ) which I never received ANY responses to - not even a negative response, I was completely ignored. One banker told me the money would be located within a ledger at the branch that I opened my account in, so I went to that branch and of course they could not locate the funds in the ledger. It has been months and I've spoken to every possible person that could help me from all three companies and no one can locate the funds. Please see attached my final statement from Citibank that shows both purchases highlighted, with no refund amounts from either merchant present on the account by the time of closure.

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 monetary relief
Consumer complaint received 2019-10-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I opened a new checking account with Fifth Third Bank. 

On XX/XX/2019, I tried to add an external account ( in my wife 's name ) online so that I can fund the newly opened checking account. 

On XX/XX/2019, the external account was sucessfully verified ( Fifth Third Bank made two small deposit and asked me to verify the amount, to make sure I have access to that external account ). Then I initiated a transfer of {$1400.00} from that external account ( XXXX  XXXX XXXX ) to the Fifth Third checking account. 

On XX/XX/2019, I was notified by email that the transfer did not complete, and my checking account was suspended for money transfer temporarily. It asked me to contact Customer Service at XXXX to resolve the issue. 

I immediately realized that I should not have tried to transfer money from an external account that was under my wife 's name to the Fifth Third checking account under my own name. I truly understand that some bank has such policy for security purpose. 

Then I called the number, but the associate insisted he did not see anything wrong with my account. After escalating the issue, he confirmed my guess that it was because the external account I tried to transfer money from was in a different name than mine. But he ensured me that the issue was resolved and I should be able to use it after a few minutes, log out and then log in again. 

It never worked. After a few days I still could not use the money transfer service. So I called the customer service again. This time was even worse, because the associate had no idea what was going on. I explained that because of my mistake, my transfer was suspended and asked her to help reinstate it. Again she insisted that there was nothing wrong with my account, and she kept asking me to change web browser, and clear cache and cookies. I did what she told me to, and of course it did not help. Then she escalated again, and when she was back, she told me that a new account less than 30 days old does not have the online money transfer function. And if I wanted to fund that account, I would have to go to a branch to deposit a check or cash! I was totally unsatisifed with the answer, because that was not right! She did not know what was wrong and she did not know how to solve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Please see the attached identity theft report. Please also delete the credit inquires not currently tied to any open accounts.

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 2023-04-12
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This people are thief 's and don't stop ripping off people out why? 
Before my last payment that must be XX/XX/XXXX Acct # : XXXXXXXX XXXX : XXXX. 
I contacted Southeast Toyota Financial to let them know that this month will be my last payment but instead of Amount : {$210.00}, will be only {$180.00} since that was my last payment pay off I contacted one month before XX/XX/XXXX. 
Contacted several times through the internet but like I said the don't care, I'm wondering if the consumer financial pretention bureau care or just I'm wasting my time here since there are thousand of people complaining to Southeast Toyota Financial but they keep doing damage to us. 
Today after I did my last payment my balance is Principal Balance : ( {$30.00} ) so I asked to be refunded into my account but the problem continue since Southeast Toyota Financial is posted in their website that my next payment of {$210.00}, will be at XXXX XXXX XXXXXX/XX/XXXX please STOP THIS XXXX manipulation from this company now! thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: KEYCORP
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Discriminatory and predatory lending practices. Issues with proof of income were compounded and delayed by lack of follow up on part of mortgage officer. 
Documents requested by XXXX  were not reviewed for accuracy before being submitted to underwriting. No follow up on part of XXXX anytime borrower called or texted XXXX claimed to be busy with something and unavailable to talk. Loan closing disclosures not providing accurate information despite multiple requests from customer for corrected information. No response from management regarding customer complaints submitted via phone and email. Mortgage officer indicated that he was made aware of customer complaints. Customer believes that mortgage officer intentionally delayed handling of mortgage documents and customer communication as retaliatory response to consumer complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
Capital one  XX/XX/2019Capital one again on XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XX/XX/2019Capital one XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY SECOND REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-21
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification, and have been denied, my last day to appeal the latest denied loan modification was XX/XX/XXXX. My home has a sale date of XX/XX/XXXX. 
I just got the CFPB 45 Day Solicitation Letters uploaded to my account on XX/XX/XXXX!? I called the mortgage company that was formerly Nationstar, now MR. Cooper, and asked them why am I receiving them 8 days before my home is sold? The loss mitigation department said that is fine to do..I told them it looks like I should have gotten that 45 days ago. If I had received the letter from them I may have been able to do a deed in lieu or other arrangement that they talk about on the letter, in order to save my credit moving forward. Now it feels too late to do anything, and they are forcing me into having a foreclosure or bankruptcy on my credit..which is horrible since I run a small business that I have to personally guarantee finically. This will make everything more expensive for me, for a long time. I want to stop the sale and avoid foreclosure ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I order a replacement card but it didn't go through.

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 2019-10-30
Company: Mr. Cooper Group Inc.
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are forged Promissory Note signature page which has been brought to Mr. Coopers attention and they simply deny any understanding of the differences. Please explain the differences between the XXXX documentation I am providing and Mr. Coopers documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: EQUIFAX, INC.
State: NC
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX  : {$6000.00} ; XXXX  XXXX XXXX  : {$1000.00} ; XXXX XXXX XXXX XXXX  : {$810.00} ; XXXX  XXXX XXXX XXXX  : {$590.00} ; XXXX XXXX XXXX  : {$2300.00} XXXX XXXX XXXX XXXX  : {$670.00} ; XXXX  XXXX XXXX  : {$220.00} ; ( Original Creditor : XXXX XXXX ) XXXX XXXX  : {$190.00} ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: Grant & Weber
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have previously sent my police report and the affidavit to each credit bureaus via certified mail I have mailed the documents several times over the last four months. The last time I mailed the documents was XX/XX/2019. I have also filed Identity theft with FTC. No actions have been taken by the companies.

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 2020-07-12
Company: Harley Davidson Financial Services Inc
State: TX
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:
Harley Davidson Financial Services, aka Harley Davidson Credit aka XXXX XXXX  refuses to comply with the terms ad conditions of the CARES Act and continues to report me as 30 or 60 days late, when I have never been late. I made an arrangement due to the negative financial impact of the CoronaVirus, Harley Davidson, REFUSES to correct inaccurate information, I have NEVER been 30 days late, let alone 60 days late since my first loan with in XXXX. Harley Davidson has provided a false statement to the CFPB and to me. Harley Davidson stated in a response that they have not reported a delinquency on my account to the CRAs. Yet at one point XXXX had me at 30 days late in XX/XX/XXXX, XXXX  had me 60 days late in XX/XX/XXXX and XXXX  had me at 30 days late in XX/XX/XXXX. After 5 disputes, 2 with XXXX, 2 with XXXX  and 1 with XXXX, XXXX   shows me current never late, XXXX  shows me 30 days late and XXXX  now shows me 60 days late, with no 30 day late before that. Harley Davidson refuses to comply with the FCRA or the CARES Act and is deliberately and blatantly refusing to made the required corrections to my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 sent mail to all three credit bureaus informing them that the information that they have on my credit report is not accurate. I sent along with that letter of dispute to them a bill with my current address and a copy of my driver license. They have me with three different addresses that I no nothing of and the I want that false information off of my report. The time that I sent the letter of dispute was XXXX of XXXX. And I have still not received or heard back from them. I also informed them at XXXX that the collections of {$1200.00} that they have on my name is not me. This happened XXXX XXXX, XXXX. And I told XXXX XXXX XXXX also on XX/XX/XXXX that they also have a false balance on me for {$900.00} that I known nothing of and that it needs to be removed. Have not heard back from them as of today. Also XXXX has a collection on my name that I don't know about as well and I asked them to remove it to the balance of {$190.00}. XXXX XXXX. And XXXX XXXX XXXX XXXX I sent them a letter of dispute on XXXX XXXX, XXXX disputing the fact that they have the wrong information on my credit report. I never have taking a loan from them at and to please take my name off of the credit reporting agency for {$8.00}, XXXX I have never dealt with them.

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 2019-10-30
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Credit not being applied to load balance. Ditech keeps making excuses ; they verify they have the payment, but refuse to use it. I tried several times to have them apply this amount to the next monthly bill, ended up having to make late payments because they didn't apply as they had been asked to do. 

The issue may have started in XX/XX/XXXXbut was exacerbated in XX/XX/XXXX. Two payments were applied in XX/XX/XXXX. Both are acknowledged by Ditech when talking with them on the phone. This acknowledgment has done by several agents in the multiple phone calls with them to resolve the problem over the overpayment. In previous phone calls, it was understood that the over-payment would be applied to the next month 's mortgage bill. Instead, it was not, and late fees have been applied. I am providing the invoices so that the new interest charges for XX/XX/XXXXcan be seen. XX/XX/XXXXwas the month the overpayment should have been used. Ditech had the entire month to apply this over-payment, instead, they chose not to apply it for XX/XX/XXXX. Another couple of phone calls were made. We were told that an investigation needed to happen, and they wanted back statements to prove what they had already acknowledged as a payment in their system. Again they were asked to apply that over-payment to the bill immediately. They did not. They were asked to use it for the XX/XX/XXXXpayment, and they did not. After multiple phone calls in XX/XX/XXXXand XX/XX/XXXX, they still have not completed this supposed " investigation '' on their part. 

I called twice this week. Today I was on hold for a supervisor for 55 minutes before they hung up on me. I see multiple complaints about them delaying/making excuses about applying the credit toward the monthly payments. It appears this is the method they are using to rack up late fees. Things seem to have gotten worse since their chapter XXXX filing. 

I am looking for a solution to this overpayment, which they acknowledge but refuse to refund or apply to the monthly mortgage payment. 

Please let me know what info I can provide to help with this recovery of funds paid. Thanks for any assistance you can provide.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief