BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-16
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX there were 2 payments of {$310.00} taking out of my checking account from Hyundai Motor finance. On XX/XX/XXXX I called and told them that was a mistake, only one payment was supposed to be taken out and I would like the other one refunded. On XX/XX/XXXX the refund processed and I was told it would take 16 days to get it by check. After waiting a Month, I still never received the check. I called numerous times and everyone in the department kept giving me the run around. One agent told me the checked was mailed out, and then another one told me the check was still being worked on my their processing department. XXXX XXXX I told Hyundai Motor Finance to just apply that refund to my XXXX balance so the month of XXXX will be paid for. Again I was told okay, they cancelled the refund and emailed the processing department so they can apply it to XXXX. As of XX/XX/2020 they still havent applied the refund to my XXXX statement! Theyre trying to tell me I owe them {$170.00} or around that amount. Also no one still can give me an answer on why its taken 2 months and still nothing has been done.

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 2022-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I paid off my Kohls Charge Card in full on XX/XX/22 in the amount of {$120.00}. They charged me twice for that amount. I called and they said they couldnt refund my money & would send me a check within XXXX weeks! I told them to close my account. My bank refunded the overcharge of {$120.00}. Now, they have charged me the {$120.00} again along with a {$30.00} fee! I tried calling again, but only get people in XXXX and they are INCREDIBLY unprofessional and XXXX Im placed on hold for upwards of XXXX minutes, only to have the next associate hang up on me after calling XXXX unprofessional! I do not owe this money & I cant get them to fix it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-16
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
date of service XX/XX/2017 ... $ XXXX..I received a collection letter from a collection agency and I do not owe this debt from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
In my opinion, the mechanisms provided by the credit bureaus to consumers that allow us to protect our private and sensitive data are inadequate due to a fundamental flaw in the existing credit system. All US consumers who have any credit history or want to participate in the credit market ( CC, mortgage, auto loan, etc. ) have no choice that their most confidential data is provided to these companies. We are not customers of the credit bureaus, and we have no means by which to take our business elsewhere if we believe they are inadequately protecting our data. As a result, the companies have no incentive to improve their security and will likely continue to maintain a poor security posture and rely on outdated, unpatched and vulnerable software.

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 2019-08-02
Company: Paypal Holdings, Inc
State: NY
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 Paypal for years, never had a charge back and have been selling on XXXX  for years ( user XXXX ). 

Recently sales gone up and paypal decided to lock my account and ban me, i have US {$9.00} locked and they say it " might '' be returned in 180 days. 

My paypal case is XXXX, account XXXX This freeze of funds totally crashed my business because I buy and sell vintage watches. All the funds i have are legit and are all cleard. Paypal can ban me but has to give my money as I have bills to pay and zero " bad '' track record. 

I believe they did on purpose ; why didnt they lock the account with XXXX? only when it reached XXXX usd?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The company has failed to verify or prove to me that this debt is mine and to even indicate I have ever allowed XXXX XXXXXXXX to open an account under my name with an address I've never been associated with before nor did I have any of these companies any written nor verbal authorization to open an account falsely under my name. I have not lived in XXXX for nearly a decade as I've been living in XXXX. Yet XXXX XXXX and this collection agency is falsely trying to collect a debt that isn't mine and was resulted from identity theft. It's the company responsibility to ensure that the account was opened under my authorization only and not without my knowledge or approval.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-22
Company: EQUIFAX, 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:
Earlier today I submitted a complaint against XXXX and included Equifax. There is only enough space to upload so many documents. 
This complaint is against Equifax and I will include XXXX but will be uploading evidence from Equifax. 
The first part of the complaint is that the Department of Education XXXX XXXX XXXX has taken one loan with ONE disbursement and divided it into two tradelines. This is not accurate. It has compounded the adverse affects of my credit rating by multiplying and exaggerating the number of accounts. Page two of their response to my Congressman admits to this deception. If they wish to use the original loans that were paid off using the consolidated loan I received from XXXX  XXXX XXXX and sold to the Department of Education XXXX XXXX XXXX they should be forced to use the original loan dates making it too old to remain on my credit file. 

Paid collections are removed after 5yrs from first delinquency. The first delinquency with the newest account information is XX/XX/XXXX. This means the account is due to be removed in a couple weeks. 
I was told by Equifax today that the account was not closed even though it shows more than 180days late. Standard practice is to close account and sell to collections at the 180day late mark which is what they did. It was sold to The department of education XXXX XXXX XXXX in XXXX. The department of education XXXX XXXX XXXX sold it to XXXX in XXXX and was sold to the law firm in XXXX. We can see this in the status comments on my file. Equifax only shows previous 24months. Screenshot submitted. But the department of education XXXX XXXX XXXX started reporting collections in XXXX. Screenshot submitted. Do not confuse reported collections with first delinquency. 

The address given to contact about the reported tradeline does not belong to the Department of Education XXXX XXXX XXXX it belongs to XXXX XXXX XXXX A COLLECTION AGENCY! Screenshot submitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: I.A.C. INC
State: MA
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:
Hello and How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info for Acct XXXX XXXX Acct # XXXX. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am the consumer, original creditor and natural person. Department Store National Bank has denied my right to credit as I applied for a Macy 's American Express Card on XX/XX/2021. Pursuant to 15 USC 1681a ( k ), Department Store National Bank violated federal law by denying my credit application. DSNB also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642.

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 2021-09-21
Company: NRA Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
INFORMED THE COMPANY THAT THE DEBT DOES NOT BELONG TO ME. ASK FOR PROOF THAT THE DEBT IS MINES AND THEY HAVE YET TO SEND ME ANYTHING WITH MY SIGNATURE. ASKED THAT THEY STOP REPORTING FALSE ITEMS TO MY CREDIT FILE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Reference to complaint # XXXX, XXXX Consumer solutions ignores my main concerns, that is to send me proof of validation from data furnisher, XXXX  or court, but they continue to delay or ignore.

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 2021-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/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 2022-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
We were victims of an employment scam involving check fraud. The scammers sent a check for the total amount of {$3100.00}. via email. It was too deposit it into the bank account. I used my USAA account where the funds were available right away. Next they wanted me to transfer via XXXX some of the money to set up XXXX time tracker, to track my work at home. It all seemed legit. The XXXX app did not work. So they had me proceed to my bank ATM and take the {$2600.00} out and then put it into a bit coin ATM to their department. While at the ATM, I had complete XXXX different transactions to withdraw the {$2600.00}, which did not flag the fraud alert that is promised with banking with USAA. 
Within XXXX minutes after depositing the check. I tried to log onto my USAA bank account and the account was locked, there was no notification from USAA and I called to find out why, and they had told me that the check I had deposited was a fake check. 
I reported this to the XXXX, my report number is : XXXX. USAA never called me to tell me the check was fake, never sent me a notification to my account saying it was fake, they just locked me out of my account with XXXX communication. 
I contacted the USAA fraud department and placed a report with them, they helped me to change all of my login information and passwords, just in case. They told me that there would be an investigation into the fraud. And I should send over any information I had, such as police reports and the XXXX  number. During that week I assumed that the investigation into the fraud was being done by USAA. I sent over all the information I had via text and downloads onto the USAA site. During the first week, I contacted USAA several time and gave them my information all the time thinking an investigation was happening into the fraud. 
On XX/XX/XXXX, I never received any communication about anything from USAA I see in my account that the check had bounced and I was to pay the full amount back. I called USAA and after being transferred XXXX times!! I spoke with someone in checking who said there is a fraud investigation and he does not have answers, he said at that time that he is not sure if we will be paying back the full amount, if we will need to pay part or none of it. 
On XXXX XXXX, I talked with an USAA representative who said there was no fraud case happening, he did not have any information on it and that as of XX/XX/XXXX I owed the full amount back. I couldnt believe it, after submitting a case never getting any communication at all from USAA especially not even getting a phone call when the check was realized to be bad. I really couldnt believe this. We were given the run around by USAA for so long saying yes there was a fraud case in the matter, then suddenly there wasnt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent in multiple letters ( give a date that is back dated about XXXX days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
XXXX XXXX XXXX XXXX ( XXXX ) validation of debt XXXX XXXX XXXX XXXX harassment and abuse XXXX XXXX XXXX XXXX False or misleading representations XXXX XXXX XXXX XXXX practices Under XXXX XXXX XXXX XXXX civil liability

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 2021-02-15
Company: EQUIFAX, INC.
State: OH
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX  XXXX XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX  XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX . Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX2022 by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX  XXXX {$4300.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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