BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I moved from XXXX  to XXXX  after I leased a car from Hyundai ( Hyundai Motor Finance ). To get a license plate from XXXX, I need HMF to send the title to the Florida XXXX. Ive attempted multiple times to fax HMF the necessary forms to complete this process. Ive even sent it to their backup fax. They keep saying they havent received it. Although my fax shows me confirmation it was sent. Customer service cant do anything other than tell me yes or no if theyve received the fax. They wont allow contact with the titles department. Im running out of time for them to send what I need to the XXXX  XXXX before the XXXX tags on my car become expired. I dont know what else to do. Ive even attempt posting on social media. XXXX. XXXX. XXXX. Didnt work.

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 2021-03-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
USAA mobile deposit auto corrected a check deposit to the wrong amount and refused to correct the transaction. The representatives lied to me about how this occurred and blamed it on irreversible issues with their computer systems.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Affiliate Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pendrick Capital Partners LLXXXX has used XXXX XXXX XXXX XXXX in XXXX of XXXX and now XXXX XXXX XXXX , XXXX to collect a false debt. In XXXX of XXXX I sent XXXX XXXX XXXX XXXX and Pendrick Capital Partners LLC letters and invoice copies that showed that this debt was paid by my insurance company. Now in XXXX of XXXX this other company XXXX XXXX XXXX XXXX is trying to falsely collect the same exact amount and date for Pendrick Capital Partners LLC.  This debt was paid long ago and I am writing to this new debt collector, but I would like to fix where they are getting this false information. Do they buy lists of false debts in order to harass consumers? I believe this to be so, because after solving this with one company a new company has the same information, that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
I am wrote a request on the method of verification for dispute initiated in XX/XX/XXXX and the subsequent response received on XX/XX/XXXX from Equifax enclosed with this letter. 
I requested that the following address be removed from my credit report : XXXX XXXX  XXXX XXXX XXXX PA XXXX Equifax deleted the inaccurate address on XX/XX/XXXX under Confirmation # XXXX I pulled my credit report on XX/XX/XXXX and it appears that Equifax re-inserted the address without notifying me of doing so. If the CRA reinserts, they must send the consumer written notification of such within 5 business days of the reinsertion. I did not.receive this letter or notification within the days of re-insertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-20
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: Account information incorrect

Complaint:
Item 1 : XXXX XXXX bank account balance {$400.00} is not correct, balance is XXXX. 

Item 2 : XXXX XXXX account # XXXX is not on credit report. 

Item 3 : XXXX XXXX  account # XXXX is not on credit report. 

Item 4 : XXXX XXXX account # XXXX is not on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
Experian : In order to get a " Free '' credit report OR to submit a dispute, I must create an account and accept the following terms with XXXX ( XXXX XXXX XXXXs ) : Allow them to - Notify me of credit opportunities and advertisements. 
Allow them to - Notify me of products and services made available through XXXX Allow them to - Obtain my credit score on a recurring basis. 

We should not be forced to accept these terms to view a free report or to dispute inaccuracies.

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 2021-02-10
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 have reached out to Experian on several occasions regarding XXXX credit. This company has reported inaccurate information as such as 34 charge offs. I was told that this account would be removed from my credit report by the creditor if I settled but I would not be allowed to use their services again. This account should have been deleted. I reached out to Experian and they continue to allow this company to report inaccurate information and it is hurting my credit score. Please help because no one at Experian listens or helps.

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 2021-02-10
Company: Experian Information Solutions 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 have a credit repair company working on my credit report. An item was removed from XXXX, but Experian and XXXX  have not removed the same item. When I spoke to the representative at Experian and aksed what proof the collections company provided to prove the debt on my report, I was told they don't need to provide anything. When they were asked to investigate the item, they did not ask the collection company to prove anything. The item is reported by XXXX XXXX XXXX, XXXX on behalf of XXXX. I tried to reach out to XXXX and they referred me to XXXX XXXX XXXX, XXXX. Neither company has been able to provide anything to prove the debt to me. The item needs to be removed from Experian and 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 2020-05-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I decided to freeze my credit with all 3 bureaus after thieves broke into my USPS mailbox and stole all the USPS mail, some likely included my personal information.

1 - No problems at all with XXXX, did it online very quickly after an identity check questionnaire.

2 - XXXX, created an account, filled out the freeze form online, but repeatedly got the message that it could not be done online. No explanation, no identity questions other than social security number, DOB and address requested.

3 - Experian, same issue as XXXX - followed the online prompts and kept getting a " can not be done online '' message on repeat tries. No explanation, no identity questions other than social security number, DOB and address requested. 
XXXX search on this strange issue in 2020 's internet era shows other people who have had XXXX and experian give them a hard time freezing or unfreezing the credits. I wonder if these companies are not purposefully making it harder on the people to freeze or unfreeze since they can no longer make money off of this service? Which should be illegal. I hope this tactic by XXXX and Experian does not continue for long. Thank 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 2018-03-08
Company: FIRST NATIONAL BANK OF OMAHA
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: Account information incorrect

Complaint:
1ST : MY BALANCE IS PAID OFF TO XXXX : WHY DOES IT STILL SHOW $ XXXX BALANCE? 

2ND : I ASKED TO HAVE MY WIFE REMOVED OFF THE ACCT AS WELL OFF THE CREDIT REPORTS, WHY HAS IT HAS NOT HAPPEN? XXXX XXXX ss # XXXX. 

Acct # 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 2018-03-08
Company: AES/PHEAA
State: IL
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 have attempted to contact XXXX and provided the supporting documentation. 
XXXX Explained that XXXX XXXX has claimed that the information on my credit report is accurate. 
However, it is not accurate, it is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

Below are the details : I had an administrative forbearance as well as a general forbearance granted for federal student loans. It was explained to me by XXXX XXXX that all of my accounts would be updated, to be appear as current. The dates covered are XX/XX/XXXX-XX/XX/XXXX. However, I still see late payments on my credit report. I reached out to XXXX first and sent them the letter from XXXX XXXX stating the forbearance dates to be updated. They did not update my accounts although I disputed. Attached is the letter I sent to them along with the letter from XXXX XXXX By failing to update previously reported information, for XXXX and XX/XX/2017 XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. " This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My complaint is with Hyundai Motor Finance XXXX. My account number is XXXX. 

They sent me a notice in XXXX, 2020 that said " Effective no earlier than XX/XX/2020 we will be UPDATING how we apply payments received towards your billed balances ''. 

So, if you have an unpaid late charge of {$15.00} and you send in your next payment " on time '' they first deduct the past due late charge from that payment, which leaves only a partial payment being paid and that results in ANOTHER late charge. So you now have a late charge for every month going forward, until you clear up that initial late charge ... ... 4 months is {$61.00} and change, all because you made ONE payment several days late. 

They are acting as though this is their right, but they sent a NOTICE in XX/XX/2020, that was NOT agreed to in the initial contract that I signed at lease inception. 

This practice is much like when the banks would pay the largest check first on an account with insufficient funds, so as to create more overdraft charges than necessary, until a stop was put to that unfair practice. Now they must start with the smallest check and work up. 

Not that it matters, BUT this is the fourth car I have leased from this company and I think this is ridiculous! 

This is abusive and predatory!

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 2021-04-30
Company: Experian Information Solutions Inc.
State: NJ
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 a letter to experian regarding a deletion of a trade line per creditor agreement on XX/XX/2021. Per experian credit report information is not accurate on credit report. Valid documents have been provided. XXXX XXXX XXXX agreed to delete the trade line per payment agreement. Letter and payment information have been submitted. I need this trade line removed off my credit report as per agreement. 

Thank 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 2021-03-03
Company: CAINE & WEINER COMPANY, 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:
This company continues to report false information on my credit report. this company claims to be allowed to collect on this alleged debt. This company can not provide the contract that I signed that states I owe this debt. Further more this company can not produce actual proof that they purchased this debt from anyone. I demand to see the proof, if not i want this deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
XXXX XXXX XXXX  has reported me as deceased, I am not DEAD Fix my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Weinberg Mediation Group LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Repeated calls from different phone numbers to my parents home phone number and my cell phone number. Latest phone call to my parents was from a number that showed up as pay phone # XXXX with a recording in males voice that states either they are XXXX XXXX   XXXX or XXXX XXXX and they dont ask for anyone by name or state what theyre calling regarding just that if you dont call # XXXX back today that they have no choice but to take matters to the appropriate jurisdiction against you because youve been uncooperative in addressing the legal matters against you. You must make payment arrangements immediately to avoid further prosecution. 
Weve no idea what this is in relation to or who theyre calling for. Weve googled this and apparently its a scam to get you to send them money in some cases illegally and on others its listdd as debt collector who is taking illegal methods to try to solicit money in illegal manner. They switch up the number they call from but continue to call several times a day for a couple months now. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for mortgage assistance/loan modification on XX/XX/XXXX Through Carrington Mortgage Services LLC. Each time I was told that I was missing paperwork or that my loan was in underwriting. I was also told not to make any mortgage payments or my mortgage assistance/loan modification would not qualify for help. I contacted the mortgage company weekly to biweekly for a follow up. not only for my modification but also for the insurance checks that I sent to be signed to pay the contactors who completed work on my house from Hurricane Harvey. Each time I called to see when the checks would be sent I was told that I was missing paperwork for the contractors o myself. Each time I sent the same documents. Now we are in the month of XX/XX/XXXX in which I called yet again to see if my modification was complete. I was told yes that I was denied because I have a low interstate. I never received a letter saying I was denied then on Saturday XX/XX/XXXX I received a letter from XXXX XXXX XXXX saying that my house is going to be foreclosed in the next 30 days if I did not make a payment in full. Then I asked about the insurance checks to pay the contractors and I was told that I would not receive those until XX/XX/XXXX in in three 25 % increments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I am writing in regards to my account with Citi Cards account # XXXX, the reason for this request is the reporting of late pay reporting in XX/XX/2020. As I am sure you are aware that FEMA declared a national disaster occurred during that time which has impacted 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 2020-09-11
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In late XXXX of XX/XX/2020I started the process of refinancing my home. It took till the end of XXXX to finally close. During this process I was lied repeatedly to about closing costs. When it finally came to close they asked me to back date closing documents so i would be in what they said was a 3 day window of closing that it needed to be signed which I refused to do so they said they would have to change closing date which I was fine with. I got a call from the closing company at XXXX in the morning saying we where to close that day. Never even seen or signed any documents. There was additional undisclosed fees that Ive never seen as well. I talked to XXXX XXXX then boss whos first name was XXXX XXXX XXXX? XXXX. Earlier in XXXX complaining how long the process was taking and he offered Me {$500.00} for being what he called a 5 star customer. He said it would mail 10 days after closing. XXXX nor XXXX will return my calls. Ive been dealing with our local branch and they can not get anyone to call me regarding the matter either. 

I believe that US Bank tried to commit fraud by asking me to back date their documents. 

I have never received the {$500.00} I was promised which I now believe should be more since Ive had to spend my time dealing with all this. Im asking for {$2000.00} to also help compensate for fees that where not initially disclosed.

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 2018-03-08
Company: Experian Information Solutions Inc.
State: DC
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 sent Experian, XXXX, and XXXX  a debt validation request several times about two accounts. Those accounts are XXXX XXXX and XXXX XXXX XXXX. I have informed this credit reporting agency that I do not have any knowledge of those accounts and I have asked for them to send me written agreements from these companies because this is not my debt. I recently tried to dispute these accounts again and Experian, XXXX, and XXXX responded that they are not going to re-investigate my dispute. As a consumer, I do not think that is fair for credit reporting agencies to report inaccurate information. Items contained in a person 's credit report has an affect on housing, employment, and any other personal needs. I have been disputing these accounts every 30 days starting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and more recently in XXXX. I sent these request for investigations on these accounts using certified mail and to date, I have not gotten anything to show that this debt belongs to me for these 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 explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit score dropped by 97 full points in seven days due to 1 negative reporting of a late credit card payment. This is an OUTRAGE! I worked very hard to repair my credit and had a score of XXXX on XX/XX/XXXX. XXXX XXXX reported a late payment ( 30 days late ), on XX/XX/XXXX. This was the only change on my report in this time frame. I checked my score XX/XX/XXXX and it was XXXX. I honestly believe this is some form of racial profiling. I've heard horror stories like this from some of my XXXX XXXX  friends. Never from anyone else that I've spoken to. I am XXXX XXXX. I am very upset as my credit score needed to be above a certain amount to qualify for loan. Please help me correct this error. I say error because no one at Transunion has been able to give me a quantifiable excuse for this incredible drop. Thank 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 explanation