BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-23
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
At the range me of my lease with Hyundai Motor Finance, I never received a bill for the end-of-lease payment. I called the company, and was told they would mail it again. 
No bill I called again and they said it would be emailed. I finally got an email and mail, but it was just a notice of privacy. 
Finally last month I just paid the amount, without knowing what it was for - because they reported me as delinquent and it affected my credit score. 
Still no bill, and my credit score went down over 100 points.

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 2021-05-03
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF FOR THE 2ND TIME! 

I started disputing on XX/XX/XXXX some accounts that I don't believe have been reporting accurately with the bureaus. I never received a response from them so I redisputed on XX/XX/XXXX and again on XX/XX/XXXX. When I filed my first complaint on XX/XX/XXXX that also included my 4th dispute to the bureaus because in all that time, they have never corresponded with me!

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 2020-05-13
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Im a costume of XXXX and my account is correct and pay every month on time, but for some reason they have a next account in my name that doesnt belong to me and XXXX wants me to pay for this account what doesnt belong to me because I only have one account with them, it was removed before from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX -- -> XXXX XXXX XXXX  XXXX XX/XX/2015 {$130.00}

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 2018-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I called dont think understood wanted chapter XXXX bankruptcy off report incorrect was dismissed and XXXX wrong court dates and attorney dont know how verified

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 2021-05-03
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Money received last XX/XX/2020. My paypal account was put in limited account, can not withdraw and transfer money. Need to wait for 180 days. After 180 days, money can not transfer & withdraw to linked bank and put to 180 days limitation again for the 2nd time. I want to get my money from Paypal. I waited long time, still can not get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Some time in XX/XX/XXXX, or somewhere close to that year, these two men a XXXX one and a XXXX one came to me and told me that they were going to put a lien on my house after they asked me if I had a house. I told them that I was not paying the debt because I had no income or job. They had me to sign something to which he told me that they would place a lien on my house if I did not pay the debt when I got a job. In XX/XX/XXXX, I got a job and was working on paying some people that I had borrowed money from and was going to add the law suit in as soon as I could. However, without contacting me that had a Sheriff to serve a garnishment at my job to embarrass me. They set an amount without notifying me of {$310.00} or something like that. I went to the court to file a slow payment because of these people continued viciousness I don't know what to do. Since I filed to pay {$20.00} a month I have done just that and on Friday, XX/XX/XXXX, some lady called and asked to speak with me and started asking for my social security number and date of birth and address and I would not give it to her. I asked her what did she want with me and she needed to verify the call or she would have to disconnect the call. We did this back and forth twice and I told her I was not giving her any info I didn't know her or why she was calling me. I then disconnected the call. She stated she was representing XXXX and XXXX and phoned me from XXXX. I am paying the garnishment to Capital One via the Collection Agency and they should not be contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-22
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
( SEE ATTACHED DOCUMENTS ). I am seeking relief from a Interest only ARM loan that I received from Wells Fargo Mortgage ten years ago. Over the last several years I have sought relief from Wells Fargo Mortgage. In XXXX I received a temporary two year loan modification from Wells Fargo. I expressed my concern regarding the temporary status of the loan modification and was told I could submit a new modification loan application 30 days prior to the expiration date. XX/XX/XXXX I submitted a loan modification for both my mortgage loan and my equity line of credit loan and was denied. In XX/XX/XXXX my monthly mortgage payment increased by more that $ XXXXmo from $ XXXX to $ XXXXmo, XX/XX/XXXX my line of credit loan increased from $ XXXX/mo to $ XXXXmo. I submitted another loan modification in XX/XX/XXXX. I received a modification on the equity line of credit loan reducing my monthly payment from $ XXXX/mo to $ XXXXmo but was denied a loan modification on the mortgage loan because I had already been granted a loan modification. Wells Fargo failed to inform me verbally or in writing that acceptance of this loan modification would render me ineligible for future loan modifications, matter of fact they informed me of the opposite. My situation is outlined in letters I have sent to Wells Fargo President/CEO XXXX below.

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 2020-08-23
Company: Experian Information Solutions 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:
Good afternoon, Five years ago, I did take out a loan with Credit acceptance. Unfortunately the past two years, I have had significant health challenges that led to my need to create payment plans. There were several times that I spoke to credit acceptance and the representative did in fact say that as long as the payment plans were in place, I would not have a mark on my credit. However, upon reaching out to the XXXX, the representative in compliance, better known as " Z, '' called me. She was extremely abrasive and informed me that she would not review all of the calls and would not make any changes. Additionally, she said that she didn't believe that the XXXX dispute said that the company would make changes. I know that this company is a sub prime lender but at the time, I was in college and needed the loan. Please help as this is the only thing that is derogatory on my 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 explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: AR
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:
My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. 
XXXX {$120.00} XXXX {$600.00} XXXX {$160000.00} XXXX {$160000.00} XXXX {$450.00} XXXX {$9500.00} XXXX {$15000.00}

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 2021-05-03
Company: ENOVA INTERNATIONAL, INC.
State: SC
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:
They call my office number XXXX times a day. I have informed different persons on the line a total of 4 times that the person they are trying to reach is not at that number and they need to delete the number. I have also clicked the option of " if this is not the person we are trying to reach '', but they still call. They have told me that they will delete the number, but continue to call every single day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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 information incorrect

Complaint:
Equifax, XXXX and XXXX all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
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 information incorrect

Complaint:
XXXX, Transunion and XXXX  all show an incorrect balance for XXXX XXXX. This account has had a XXXX balance for more than XXXX  days and is not reflecting on my credit reports which is negatively affecting my credit and I am requesting that it be updated.

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 2018-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received an offer from Capital One for 0 % interest and 0 % Transfer fee. However as soon as I transferred the money over to them from. my other credit card they started charging me interest. I was never told this nor did it say anywhere in writing. So When I went and checked my balance they charged me {$3.00} and some change. I was upset over principal of not being told and I took the matter up with a supervisor. The supervisor said nothing she can do to remove the fee. All I can do is just pay of the card to stop it. So I asked her what the balance was on the card and she told me {$2200.00} so I paid {$2200.00} to be safe on XX/XX/XXXX. She told me I would be paid in full. Now a month later XX/XX/XXXX they send my statement and it showed {$4.00} when I called they told me it was {$4.00} so I asked what is the real amount they told me to pay {$4.00} so I again I asked to have it removed since I spoke to their supervisor that told me the payoff balance. They threw it back at me and told me I could have looked it up on their payoff calculator. I told them should I not trust your supervisor. They said yes you should so I said why would I doubt her. So again I asked to have the {$4.00} removed and she said no. So I just paid {$4.00} today XX/XX/XXXX. Capital One stole $ 7and some change from me today. Yes I know it is not a lot but I guarantee if you look into it they are doing it to all their customers and that {$7.00} x millions ads up! I wish to have my money returned and put Capital One on notice in public record what crooks they are. thanks and I look forward to your resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09
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 wrote EXPERIAN to dispute an inquiry listed on my personal credit report and I received some excuses why Experian did not act upon the disputed item or provide any documentary evidence to support the fact my credit file was released without permissible purpose. My dispute letters were mailed on the following dates : XX/XX/2018, XX/XX/2018, XX/XX/2018 Certified Mail, and a second copy of all prior disputes mailed on XX/XX/2018. [ XXXX XXXX XXXX, XX/XX/2018 ] is listed on my personal credit report and there is no indication of any account with this lender and XXXX  XXXX has refused to produce any proof of any credit application as required under 15USC, Chapter 94, and 12CFR 1002.12 requiring the lender to retain records for 25 months. My last dispute with Experian did not indicate that the INQUIRY in dispute was ever investigated, the dispute results indicate [ OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT ] and this inquiry from [ XXXX XXXX XXXX - XX/XX/2018 ] remains with no record it was ever re-investigated per my dispute letter of XX/XX/2018. This inquiry has been disputed four times with Experian and two times with XXXX XXXX, I was not provided any documentation that the inquiry in dispute was ever investigated or verified by anyone, including the XXXX computer. I also asked EXPERIAN to remove any non-account holding inquiries and that request was also ignored by their super computer.

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 2020-10-15
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
I had some unauthorized transactions on my Acct and I made them aware of that. I called to check on my dispute status and they closed my acct because my voice wasnt deep enough to be a man and I find that highly offensive. I kept being called maam and after correcting them they kept doing that. Then suspended my acct with out even telling me. At this point I just want my remaining funds from the acct. I dont even wish to continue banking with you guys. Ive struggled with being judged all my life and never would have thought I would have to deal with it as an adult. I told the agent that my id was stolen along with my card and I dont have the funds to get another id because my acct with all my money was suspended. Is there anything you can do to help me that would be greatly appreciate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: EQUIFAX, INC.
State: WY
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 Wyoming XXXX Equifax Information Services LLC. P.O. XXXX XXXX. XXXX, GA XXXX. 
XXXX : EQUIFAX dispute department RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that is problematic. The inquiry in question was apparently made by XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. Please investigate this inquiry at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing inaccurate depiction of my creditworthiness. Please update me with a full report on your endings within the next two weeks. I look forward to having this situation resolved as soon as possible. Thanks for your prompt attention to this mater, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was affected by XXXX XXXX everyone in my house got XXXX and I had several family members pass away one recently in a XXXX home. I have been calling trying to make a payment and they are always closed and after I finally call on my break and speak to some one they transferred me to a lady in a different department who was rude and hung up on me and refused to take my payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX  has violated the FDCPA on many occasions according to 15 usc 1692 c ( c ) 1692 d ( 5 ), the lady XXXX keep calling me telling me I owe a debt and to give her my personal information. In the letter XXXX sent me it clearly states that it is not attempt to collect a debt so why am I being harassed, according to the law as a consumer I am entitled to privacy of my personal information and who I want it shared with. I have never given XXXX any written or verbal consent to report any of my personal information to any CRA nor did I ever sign a contract or taken out a loan with them. NO CONSENT IS IDENTITY THEFT, they have used my name and personal information and reported it the the credit bureaus without my consent. the law clearly sates that consent is needed to access, obtain or report information to my credit file. I feel threatened and I am afraid to answer my phone! I have attached proof of debt validation and request for cease communication, XXXX XXXX just don't respect the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: LA
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:
I have tried numerous times through email, phone calls and complaints on the texas attorney general website child support for case # XXXX cause # XXXX to correct the information they have reported on all 3 credit bureaus!

They have me as not making 1 payment, past due amount {$13000.00}! the child support comes out of my check every 2 weeks plus I have had additional payments that have me paid up to {$15000.00}!

its the only thing negative on all my credit reports and I have disputed it with all 3 companies and sent numerous emails and calls for the attorney general to remove the never paid amount off my credit and 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 2019-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Name on Credit Report : XXXX/XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX, SD XXXX Inquiry Date : XX/XX/2018

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 2020-05-13
Company: EQUIFAX, INC.
State: NY
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 never had an account with XXXX  I contacted them but they never remove it from my credit report. Im a sick man with XXXX and cant even go to the gym

Company response to consumer: Closed with explanation