BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, I have disputed the following hard inquiries as Fraud and are unauthorized and need them to be removed per FRCA. I've contacted all 3 major credit bureaus and customer service department did not help remove the negative inquiries that are reporting on my credit report. I would appreciate your help in any way. 

XXXX : XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2018-06-12
Company: Select Management Resources, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I am reaching out for assistance with a lingering matter with XXXX XXXX XXXX XXXX doing business at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. 

In XX/XX/XXXX I filed a complaint regarding excessive text messages and collection calls received from XXXX employees. At that time I communicated employees actively texted my cellular number of XXXX after I communicated I did not wish to receive electronic communications from the lender. 

Today, XX/XX/XXXX, I phone XXXX to request lien releases on my XXXX XXXX XXXX as well as my XXXX XXXX XXXX. The individual advised my request would be forwarded to upper management which lead to me being contact by XXXX legal counsel. 

During my conversation with XXXX  attorney I was advised I filed a complaint with the CFPB and did not respond and I could receive a release on my title if I paid an outstanding in 2 payments. Upon hearing this information I advised the attorney I did not owe any money to XXXX and in XX/XX/XXXX she advised the company would not reimburse me for expenses and fees incurred as a result of the repossession but my account would be closed and noted as paid in full. 

Attached are my phone records XX/XX/XXXX through XX/XX/XXXX showing phone calls between XXXX XXXX Ohio location as well as the XXXX legal counsel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-04
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
For the second time TD bank has closed my debit card stating i needed to activate the new chip card they sent me and for the second time i have not received a chip card. I have now been declined making a purchase twice because they close my current card assuming i received a new XXXX in the mail. It is inconvienent and embarassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep, that 's a problem, good luck with that. '' I did n't press further as I was willing to overlook this as a singular, one-off problem. However, about 18 months later, the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition, the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally, just a few months before the lease expired, I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again, but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections, but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 I received a letter from Capital One stating that they had closed my IRA account. There was no information about why, where the money went or who I could reach out to about the matter. 

After several calls and transfers, the Capital One operator revealed that they no longer service IRA 's and instead the account has been transferred to XXXX XXXX XXXX. 

To say that the communication surrounding this transfer was lacking, is a huge understatement. Capital One claimed they had sent an email on XX/XX/XXXX, XXXX but I found no such email. And it's concerning that a bank can make such huge changes to people 's finances without better and multiple communication efforts- even if one has opted for electronic correspondence. 

Capital One should be mandated to reach out to clients with more than just an email when large sums of money are transfered to another institution. They have an entire ecosystem on their website and apps- and none of those platforms offered any information that could have mitigated this confusion. 

1 ) Mine was an active account with multiple attached savings and checking accounts. So I was visiting the website and app regularly. Yet there was no " alert '' or internal message sent within the app or website that notified me of the closure. 

2 ) The account that was closed had no follow up information on it. It would have been quite simple for Capital One to have instructed customers where the funds were sitting or whom to reach out to. 

3 ) Further, there is no contact information on the account of who you can call about this matter. I instead had to call the general help line and was routed multiple times before I found someone who could help me. 

4 ) The letter they sent in XX/XX/2022 also didn't note where the money had gone. It simply stated that the account was closed. Again, it would have been helpful if they had stated to reach out to XXXX XXXX in that letter. 

This is a massive communication failure on the part of Capital One and a breach of financial disclosure. 

Capital One needs to be reprimanded for their handling of this matter. I can only imagine the number of people affected by this issue who have no idea where their money has gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed
Consumer complaint received 2022-01-31
Company: AES/PHEAA
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted the ombusperson, and MyFedLoan ( current servicer ). I explained that there are payments that were made prior to my loans transferring from XXXX XXXX XXXX to my current loan servicer that are not recorded anywhere. I was able to obtain a record of at least one payment made in XXXX on my XXXX credit report that is not reported by the Dept of Ed ( they claim I did not enter repayment until XXXX which is incorrect ), showing evidence that the records of my prior payments made when my loans were under Direct Loan Servicing are incomplete. Given that I have been employed as a public service worker ( nurse, now nurse practitioner ) since XXXX for the same employer and my XXXX and XXXX plans are dependent on the number of payments made ( rather than the number of years given in service ) I require accurate records of my payment history. I was also placed on incorrect repayment plans in the past in error by my prior loan servicer. This is unacceptable at best, and fraudulent at worst. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: JPMORGAN CHASE & CO.
State: AL
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for and received the Chase Sapphire Preferred credit card. I selected this card after reading in Consumer Reports and the Chase Sapphire Preferred website that is came with a XXXX point bonus after spending {$4000.00}. When I received the card, among the benefits listed on the paper to which the card was attached, there was no mention of the XXXX points nor on the brochure describing the benefits. There was also no mention in the fine print cardholder agreement. When I called Chase Customer Service to inquire, he assured me I would get the bonus. When pressed that I had nothing in writing and needed something, the best he could offer was to send out a generic letter, no reference to my card number, and that I had it on the website, and everyone with this card gets the bonus. I pointed out the website could change tomorrow and in effect, I could spend the {$4000.00}, receive no bonus and have nothing showing I was to get the bonus. I closed my account. No loss of money but negative effect to my credit score for getting the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 lost my wallet containing multiple identification items in XX/XX/XXXX, and ever since I have seen numerous credit inquires show on all three major credit bureaus ( Trans Union, XXXX, and XXXX ), which were not initiated by myself or with my authorization. This has had a negative effect on my credit and even my ability to obtain employment. I demand all unauthorized inquires to be removed immediately. 

Trans Union : Inquiry details XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX ( XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  ( XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX : Inquiry details XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX OF XXXX XXXX # XXXX XXXX, XXXX FIXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2022-07-21
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offeXXXX n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2020-06-14
Company: Experian Information Solutions Inc.
State: VA
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:
These are not my 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 2022-01-31
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
On my Transunion Credit Report, XXXX XXXX ( Acct # XXXX ) which was open in XX/XX/XXXX is currently reflected as ( Open-Derogatory ) and not reporting since XX/XX/XXXX. 

The correct status should be reflected as ( Account is Closed, Included in Bankruptcy ) as of XX/XX/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 non-monetary relief
Consumer complaint received 2020-04-17
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security number had already been filed. Please remove these unknown accounts from my reports as soon as possible. 

BANKRUPTCY XXXX {$0.00}

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 2022-01-31
Company: U.S. BANCORP
State: OH
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 leased, with the agreement to purchase in XXXX  years a XXXX XXXX XXXX XXXX in XXXX of XXXX. The lender is US Bank. As part of the lease agreement the lender was to send a current registration to me annually in order to renew my vehicle license tags through our local license bureau. The process began in XXXX of XXXX when we failed to receive our current registration in order to renew. US Bank customer service representatives and legal representatives continued to dismiss our requests and complaints and as of today, XX/XX/XXXX I still do not have my current registration. I have been unable to move my vehicle from my garage since the tags expired in XXXX of XXXX. I am receiving no cooperation from this lender, US Bank, although I continue to make my timely lease payments each and every month. I would greatly appreciate some sort of assistance so that I can drive my vehicle legally. 

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