BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-02
Company: HYUNDAI CAPITAL AMERICA
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My car was repossessed on XX/XX/XXXX. I had been trying have the payments lowered but would always say you cant. Hyundai Motor Finance has not worked with me. At one point they lowered it by {$15.00}. Hyundai has called my father at work without permission, my fianc at work without permission, my father in law without permission, and my mother. Hyundai put my father 's job and fianc 's job in jeopardy. I have called and explained I had not been working and my parents are on social security and have been trying to help me as much as possible. I am currently working now and would like to figure out what can ve done to get my car back. I need it to get to work and my daughter 's carseat and stroller are in the car. Hyundai stated that {$3900.00} is due to get it back. I only owe {$4300.00}. Hyundai will call 15 times a day using 5 different numbers. Even after payments are made the calls continue, and when I call they say you need to go online and we cant stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: EQUIFAX, INC.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2018-01-03
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX has an account in my name that was not opened or used by me and was not authorized by me. I do n't even know how they can do this. I have ALWAYS had XXXX for the last 14 years. My phone number has never changed. Nothing was sent to my house as a bill. No email to inform me or I would 've notified XXXX immediately. It did n't even show up on my credit report until it was derogatory! It 's very poor business practice to allow a person to create a fradulent account and not investigate their credentials. I did not sign ANYTHING. I do n't know who did this or even how someone could possibly do this. This is not my account or bill. It should be removed immediately. It 's for {$2200.00}. It says XXXX XXXX in collections by XXXX XXXX. It was opened XX/XX/2015. Account # XXXX. I have disputed twice with XXXX and it says meets FCRA requirements! I do n't see HOW a fradulent charge can meet ANY requirements. I am extremely disappointed that XXXX XXXX could continue to charge me for this. They definitely dropped the ball on their end by not notifying me by mail, email, or my XXXX phone number of someone 's attempt at fraud involving me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-26
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To Whom It May Concern, I have a collection account on my  XXXX ,   XXXX   and  XXXX  credit bureau files from the company, Credit Protection, account number listed as  XXXX . Please be advised that I am disputing this information due to the fact that Credit Protection does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Credit Protection DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

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 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX# XXXX XXXX ... XX/XX/XXXX # XXXX XXXX XXXX ... XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX XXXX.. XX/XX/XXXX # XXXX.. XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX  XXXX ... XX/XX/XXXX # XXXX XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX # XXXX ... XX/XX/XXXX These are inquires that I do n't recognize!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CATHAY BANK
State: FL
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:
XXXX bank transferred my money to Cathay Bank without my consent or acknowledgment. Since Saturday, XX/XX/2022, I have not had access to my funds. I have not had the ability to buy food or water of pay any of my bills on time. XXXX said they couldn't help and I had to contact Cathay Bank to resolve any issues. So XXXX just hands over my money to another bank I know nothing about along with my personal security information. Since Monday XX/XX/XXXX I have still not been able to gain access to my funds and Cathay Bank continues to put me on hold when I talk to them.. I have spent over 4 hours each day with Cathay Bank since then and they still have yet to give me access to my money. It is now considered stolen in my view. I hope you can investigate their malpractices and help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Capital one in regards to my secure XXXX XXXX  # XXXX XXXX XXXX XXXX failure to except I know longer want to do business with them and PAID OFF CARD mysteriously they put on a charge leaving with a balance of four dollars and some change to conveniently stall my secured account refund and carryout the billing cycles to keep from refunding my money

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
The account below : XXXX. XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX XXXX, XXXX Original Amount Owed {$100.00} This account has was disputed on XX/XX/XXXX. Today is XX/XX/XXXX. The investigation has took longer than 30 days. Acccording to FCRA investigation taking longer than 30 days means CRA has has trouble verifying the information. This acocunt needs to be removed ASAP. 

You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) You must : conduct a reasonable investigation review all relevant information provided by the consumer report results to the consumer, generally within 30 days notify each CRA to which you provided inaccurate information if the investigation finds the information was inaccurate. Furnisher Rule 660.4 ( e )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: EOS Holdings, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
1. ) XXXX XXXX {$720.00} contacted agency several times.
2. ) EOS CCA ( XXXX XXXX XXXX ) {$380.00} This was not my account. I never had service with them 3. ) XXXX XXXX XXXX 4. ) XXXX  5. ) XXXX 6. ) XXXX XXXX XXXX XXXX 7. ) XXXX XXXX XXXX 8. ) XXXX XXXX 9. ) XXXX XXXX 10. ) XXXX 11 ) XXXX XXXX XXXX XXXX XXXX 12. ) XXXX XXXX XXXX XXXX 13. ) XXXX XXXX XXXX -paid off 14 ) XXXX XXXX XXXX 15 ) XXXX XXXX XXXX 16. ) XXXX 17. ) XXXX XXXX # 18 ) XXXX XXXX XXXX XXXX 19. ) XXXX 20. ) XXXX XXXX XXXX XXXX XXXX 21. ) XXXX XXXX 22. ) XXXX XXXX XXXX 23. ) XXXX XXXX XXXX 24. ) XXXX XXXX XXXX XXXX 25. ) XXXX XXXX 26. ) XXXX XXXX XXXX 27 ) XXXX 28 ) XXXX XXXX XXXX XXXX XXXX  29 ) XXXX 30 ) XXXX 31 ) XXXX XXXX  32 ) XXXX XXXX XXXX 33 ) XXXX XXXX XXXXE 34 )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-03
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have notified the bank on numerous occasions that the account is not set up for debit card overdraft protection they do not even provide this service as an option for a business account according to their website. 

They continue to provide this service and continue to charge me fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was first contacted by the collections company sometime in XXXX. I told the representative XXXX I had no knowledge of this and will need to do more research. She stated she understood and gave information on what to do if I needed to contact her. I repeatedly contacted the company she insisted debt was from. However, no one at the company had any knowledge of this. I filed a formal dispute and asked to not be contacted until the dispute is resolved. I havent been notified of the disputes and since then I have been harassed by this collections company. They call all throughout the day and night and speak very impolite when I do answer. Im tired of this company harrassing me and would not only like for the dispute to be resolved but also for the company to not contact me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: RIA FINANCIAL
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I use Walmart 2 Walmart money transfer service to send money to my brother when needed. XXXX 2017 he called, asked me to send money which I did. Later that day he called to say that he could n't get the money & that I had to call a number. I called the number which was the compliance department, answered all their questions and was told that my brother was restricted from receiving the money and the gentleman refused to tell me why. After a lengthy conversation of trying to get an answer other than your brother is restricted, I asked for supervisor, I was told the same thing that my brother was restricted without any further explanation. Same day, I went back to Walmart got my money refunded and sent funds via XXXX ( no problem ). During the week, I called the compliance department, after a lengthy conversation and answering all of their questions, was told my brother was restricted. Called back & got someone on the phone, this time I asked if my brother could send a picture of his ID cards because someone was using the same name. We texted a picture of VA ID & his state ID card so they could have on file. Four times I 've tried and now in XXXX, it 's the same problem..no reason other than he 's restricted, maybe someone has same ID, too many people using the same last name, what will the money be used for and after talking with a supervisor my brother 's restricted and they 're investigating the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Focus Holding Company
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Complaint number : XXXX Date submitted to CFPB : XXXX/XXXX/2017 Date sent to company : XXXX/XXXX/2017 Product : Debt collection Issue : False statements or representation This case was closed because Focus responded to your inquiry. It should be reopened as Focus is deliberately misrepresenting the debt. As noted in their response to you, they claim a {$500.00} debt to XXXX. In another response to me directly, they claim a {$500.00} debt to XXXX XXXX ( again for an account I 've never had ) and had XXXX XXXX Collections try to support that claim. A return letter was sent to XXXX XXXX pointing out the obvious errors in their claim, including a different last name.
XXXX XXXX XXXX representative XXXX XXXX XXXX again lists the last name as XXXX in her response to CFPB though that last name was sent to us in reference to XXXX XXXX XXXX claim. The fact that two different companies claim the same dollar amount from one XXXX ( who is obviously not me ) and both Focus and XXXX filed claims against me show obvious collusion, misrepresentation and fraud on behalf of both collection agencies and their partner " companies. '' Consequently, I ask that CFPB intervene on my behalf as well as all like consumers. Based on my online review of Focus and XXXX, I believe them to be predatory and fraudulant in general and certainly in particular to my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
Company: CITIBANK, N.A.
State: MN
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 applied for a XXXX XXXX XXXX for City Bank ( Costco XXXX ). After getting a denial letter Page 2 Paragraph 2 it says, " If you have any questions, Call at XXXX ... ..., '' I called said # and there was no way to talk to someone about the denial. I was forced to call a total of 4 times to finally get to someone to talk to. 2nd and 3rd call the rep for active accounts just kept sending me to the dead-end phone tree. After speaking with a rep which supposedly can be reached at a different # XXXX I have not had a reason to test to verify. I was told that Citi blanket denies all people with a bankruptcy on their XXXX credit report regardless of time since bankruptcy. He also admitted there is NO underwriter that can override a denial for any extenuating reasons. I believe this should be stated on their application for credit. I would never have applied and now I have a negative ding on my company 's credit score due to this blanket policy. It is to be noted My company has never filed bankruptcy and does not even have a single late payment. I personally had to file bankruptcy 7-8 years ago and since then i have built my credit to perfection with only one late payment in 7 years due to a technicality... I feel as though this is deceptive business practice. What is in it for them for me to apply if they're not even going to accept me anyways??? Now they can sell my information or do whatever they want, and I was NEVER going to get anything from them but a smaller credit score .... This needs to stop.

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 2017-07-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
To Whom It May Concern, I have a collection account on my XXXX  and XXXX credit bureau file from the company, Portfolio Recovery Associates, account number listed as XXXX*. Please be advised that I am disputing this information due to the fact that Portfolio Recovery Associates does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for Portfolio Recovery Associates DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-15
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I submitted disputes by certified letters concerning information on my credit report and requested verification from the company. The verification they sent me was a print out and did not include my signature as requested showing I ever owed any money to this company. No other correspondence was received nor where any of my credit reports ever updated to show that I was disputing the information on my credit reports.

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 2018-01-02
Company: Delta Management Associates, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a complaint about Delta Management Associates ' response to me in a prior complaint : XXXX. 

The company Delta Management asked that my employer return their form. 
All options provided on the form imply that the person they are collecting on has or does work at my employer. In fact, a person with the SSN they are collecting on has never worked at my employer. The form they want my employer to fill out lacks any such response option.

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 2019-11-04
Company: Porsche Financial Services, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Since starting my lease with Porsche Financial and creating a payment portal through their website, i have suffered monthly with trying to make payments with little to no success. The website has majors issues either always having a " down for maintenance error or the site continuously refreshes itself not allowing to accomplish anything. I am a XXXX  and traveling every week to different countries and online payments are the most convenient means of managing my bills. Each month ive tried to make a payment there is a site issue and when trying to contact via phone the number provided from their own site does not work either. I've had to call other the dealership in order to speak to someone who could only somewhat be of assistance. This has now resulted in a late payment that is now effecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 XXXX, VA  XXXX Hard inquiry - I did not Authorize XX/XX/2019 Cap One XXXX XXXX XXXX, UT  XXXX Hard inquiry - I did not Authorize XX/XX/2019 XX/XX/2019 2019

Company response to consumer: Closed with non-monetary relief