BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-07
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My identity has been stolen and someone had my SSN. They opened a savings and checking account in my name online on XX/XX/XXXX. We found out about it and closed the account XX/XX/XXXX and told the them they need to block anyone else from opening any more account in my name. Well, another account ( savings and checking ) was opened with huntington bank XX/XX/XXXX. Now we have to file police report and go through the whole process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud calls and text that hacked and transfered {$13000.00} out of my citibank account

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 2022-07-14
Company: HYUNDAI CAPITAL AMERICA
State: MA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I bought out my lease for {$12000.00} on XX/XX/22. At one point, i had the wrong address so i had to fix that with them. However that was over a month ago. I still have not received my title. 

I bought out the car to sell it. However, i still have not received the title. This has caused me to be out {$12000.00} since XXXX, it is now XX/XX/XXXX. On top of that, ive had to keep driving the car and putting miles on it, depreciating the value of the car. 

I have had 7 calls with hyundai just trying to get answers. All im being told is the title department is backed up. Nothing concrete. 

One of those calls, i was told by the supervisor that multiple customer service agents did not send the work order through. I can not get in touch with the title department currently, nor get an answer about when/if it is coming. 

I was also told by hyundai that someone from their " care '' team would reach out to me in 2-4 business days to discuss the issue. That has not happened. 

I am becoming concerned as i told them, its getting to the point where id rather return the car and get my money back, however i was given no available recourse to do so. 

I genuinely need help with this, as {$12000.00} dollars is a lot of money for me and i have nothing to show for it. 

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 2017-09-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/17 I received a call early in the morning and the name the person asked for was not mine. Three hours later I received another call from the same number where one woman was very rude and even hung up on me when I asked what/who this was. I called the number back to advise them not to call this number again. I even repeated the phone number back to them and the representative said they will remove the number. An hour and about 35 minutes after I received another call from the same number, two more calls about three hours after that and then finally another call an hour and 45 minutes after that as well as voice mail messages. In just one day I received a total of 6 calls all from the same number and same company. In the past I have received multiple calls throughout the day from this number before. They even call from multiple different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Oracle Financial Group LLC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
This company called my work place. The gentlemen, XXXX XXXX, did not know he was speaking with me and gave out my personal information. Insisited on speaking with me and and would not hang up unless they spoke to the CEO of the company. I took down the information and called back. He was again threatened me with court and coming to my work and embarrassing me with a citation. Also, said that I was going to go to jail for stolen goods. I asked to speak to the supervisor to file a complaint and the supervisor, XXXX, said he would listen to the recording and reprimand and have him fired. Then the supervisor threatened me with attorneys and a citation at my work. I told them they are not to contact me at work or go to my work. I offered a payment arrangement as I have had in the past to the company and past collectors and they refused stating not enough money and they would pursue through legal system and come to my work. These gentlemen have threatened me and now I am unable to stop shaking and I am afraid I will lose my job & gt ;

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 2022-07-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
regarding account # XXXX claiming I owe {$3400.00}. 
This is not my debt, it has been years and many attempt for me letting Wells Fargo know and to remove from 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 2019-08-01
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:
I AM A VICTIM OF ID THEFT. THE LISTED INQUIRIES ARE A RESULT OF SOMEONE ATTEMPTING TO ACQUIRE MY INFORMATION TO OBTAIN GOODS OR SERVICES. PLEASE BLOCK THE LISTED INQUIRIES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
Hello, I had a {$1100.00} upcoming credit card bill due on XX/XX/22. I being a responsible person paid this bill early on XX/XX/22 with payment being made in full. I had automatic bill pay on this account which pays the statement balance on its due date which is the XXXX of every month. Since I made an early payment the statement balance should have been {$0.00} but instead BoA charged my account again for {$1100.00} which my account did not have. On XX/XX/22 BoA alerted me that I had a " returned payment unpaid '' and now indicates I never paid my last months balance even though I did. The system is confused that I made an early pament and then my automatic payment failed and thus indicates no payment was ever made even though the money was taken out of my account. I called and attempted to speak with represenative but after an hour nobody picked up.

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 2017-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

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 2022-07-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
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:
On XX/XX/XXXX, a scammer cheated us out of {$300.00}. Since this was XXXX XXXX, I called immediately the next business morning to put a stop to the charge. 5/3 Bank said they could not stop the charge, it had to clear, then they would try to get it back from XXXX. The scammer made it look like I was working with XXXX to get my money, but instead were able to get {$300.00} from us. On XX/XX/XXXX, XXXX gave us back the {$300.00} provisionally. Today, XX/XX/XXXX, the {$300.00} was removed from our account. They stated that they could not retrieve the money from XXXX, so they took it back from us and basically said, Oh well. We have asked to appeal this and they said they would reopen the case. This process could take another 30 days. They are not working with us or protecting us as they should as our financial institution. We have been with them for over 5 years and never had an issue like this. We sent them all the screenshots of the scam, as well as the case and report numbers we have from our local police department ( XXXX XXXX Police Department ) with a detective on the case, and the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: The Receivable Management Services LLC
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: Information belongs to someone else

Complaint:
In late XX/XX/2020, I was notified that I had several negative items on my credit report. Of these negative items, that spanned over a number of years, accounts like auto loans, car insurance, credit cards, bank accounts and student loans were opened in my name have all been charged off, closed, and sent into collections. I have sent ancillary documentation to the creditor and credit bureaus to have these items removed. 

I have requested that the creditor and/or credit bureau provide me with proof that the debt is mine but they have yet to do so. My requests are ignored and I am instead sent a bill to pay. During this time, I have been consistently harassed via phone and mail to pay a debt that is not mine.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: RI
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:
My XXXX XXXX XXXX loan was incorrectly reported late for the second time. The first time I called and it was investigated and remedied. This time they have not remedied the inaccurate late payment and it is adversely affecting 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 2022-07-14
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company SELENE Finance states that I am behind XXXX mortgage payments in which I am not. I was discharged from bankruptcy on XX/XX/XXXX, the mortgage payments made had to be up to date right up until discharge of bankruptcy and continuous. If not I wouldn't have been discharged from bankruptcy. The mortgage banks statements from SELENE Finance from XX/XX/XXXX through XX/XX/XXXX show an up to date mortgage bank statement balance due. In other words all was showing current with no payments missing or behind. 
The mortgage bank statement for XX/XX/XXXX wasn't even sent. Though a mortgage bank statement for XX/XX/XXXX was sent where it showed that I was now behind two mortgage payments, how is this possible! I have been battling with SELENE Finance and there customer service agents, and till this date they cant tell me or show me whether in writing, e-mail, text, over the phone, certified return receipt any proof of their records where it shows that I am behind these mysterious two payments. Selene Finance continues to send us notice of foreclosure letters, even though we continue to pay our up to date mortgage payments. 
My family and I are so upset, on the brink of a XXXX XXXX that it's affecting our livelihood and our children. I have been making mortgage payments for XXXX years now this is not the way to experience the American dream of of buying and owning a home. I hope the CFPB can help our situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I have a XXXX XXXX XXXX XXXX, like an XXXX and I take payments using XXXX, which is owned by PayPal. It has been a week and they refuse to let me transfer my payment to my bank account. They have frozen my money saying that they need further information about my business. I have called them twice to resolve the matter and they say they will release my money but they still won't do it. They say they need documentation to show who my vendors are. I do not have vendors as I do not sell a product, I provide a service. I desperately need this money especially after the hurricane ( Ian ) that just hit Florida. All I get is a runaround. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-07
Company: LendUp Loans LLC
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i tried to open an account .the bank open and closed it right away. ny name is XXXX XXXX XXXX born XX/XX/XXXX ss is XXXX born XXXX ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
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:
In accordance with the Fair Credit Reporting Act, XXXX Accounts below have 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 a account without my written instructions - XXXX XXXXXXXX Account # XXXX ; XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX XXXXXX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX XXXXXXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX  Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXXXXXX Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, XXXX Accounts below have 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 a account without my written instructions - XXXX XXXXXXXX Account # XXXX XXXX  XX/XX/XXXX : {$360.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$270.00} - XXXX XXXX Account # XXXX XXXX  XX/XX/XXXX : {$490.00} - XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$3700.00} - XXXX  XXXX XXXX Account # ; XX/XX/XXXX : {$650.00} - XXXX XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX : {$80000.00} - XXXX XXXX XXXX Account # XXXX ; XX/XX/XXXX {$15000.00} - XXXX Account # XXXX ; XX/XX/XXXX {$3500.00} - XXXX XXXX XXXX  Account # XXXX ; XX/XX/XXXX {$73000.00} - XXXX XXXX  Account XXXX XXXX ; XX/XX/XXXX {$360.00} 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 a 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 non-monetary relief
Consumer complaint received 2020-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My loans have a late status from XX/XX/XXXX - XX/XX/XXXX. I was granted an administrative forbearance in XX/XX/XXXX for the months of XX/XX/XXXX - present. I have requested to have the bureaus change the late status on each account to reflect the granted forbearance but have been unsuccessful.

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 2021-06-08
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The XXXX cut off my benefits i have a court order

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 2022-07-14
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX  XXXX Bankruptcy Case Number : XXXX As a consumer by law, this account must be deleted immediately 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
5. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
8. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
9. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
10. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
11. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
12. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
+16. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report XXXX Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2017-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Several Accounts that were satisfied and arrangements were made are still showing negative on my credit report. .several attempts have been made to have them removed bit they still remain and when ever I contact the credit company that ca n't provide me with acurate information 7 XXXX XXXX XXXX student loans the show closed, delinquint that 's should be removed because arrangements were made and all were satisfied the acount number is XXXX XXXX XXXX XXXX opened 3 of them are shown on my credit report. .. 
There is also a hard Inquirie that should be removed from XXXX made on XX/XX/XXXX that I have no knowledge of and I did n't get any line of credit and I want it removed for that reason XXXX XXXX and loan XX/XX/XXXX arrangement was made and satisfied for the XXXX dollars Both XXXX XXXX charge off should not be on my 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