BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: HYUNDAI CAPITAL AMERICA
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
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:
XX/XX/ : I paid off my vehicle ( XXXX XXXX XXXX ) with Hyundai Motor Finance . 

XX/XX/XXXX : I called Hyundai Motor Finance asking if they'd released my title to the DMV. They advised that, due to system errors, they could not do it at that time but would send it out within 72 hours. 

XX/XX/XXXX : I followed up with Hyundai Motor Finance and they stated that this had been completed. 

XX/XX/XXXX : a serious legal complication arose in my life where I needed to prove to the Court that my vehicle was titled in my name ASAP! I contacted the DMV for a copy of my title, they stated they did not have it. I then immediately contacted Hyundai Motor Finance, and the representative said there was " nothing they could do since the vehicle was paid off ''. 

XX/XX/XXXX : I spoke with a member of management at Hyundai Motor Finance who finally promised to take immediate action in getting my title released to the DMV. I asked for a confirmation email, they said they could not provide that but I should " trust them to get it done ''. 

XX/XX/XXXX : I went to the DMV to follow up on whether they received my title paperwork. Still NOTHING. Keep in mind, Hyundai Motor Finance has been WRONGFULLY holding on to my title - MY legal document showing ownership of my vehicle - for over SEVEN MONTHS!! This company has had NO sense of urgency in rectifying their mistakes and I keep getting different information. I NEED MY TITLE ASAP OR I WILL FACE HEFTY LEGAL CONSEQUENCES. And if that happens, I will be taking my own legal action against Hyundai Motor Finance for pain and suffering!

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 2022-09-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I had a savings account with XXXX. XXXX was purchased by Citizens Bank so my account was transferred over to Citizens. Instead of opening up another savings account Citizens Bank opened up a line of credit ( or personal loan ). I never had a line of credit nor ever requested one at XXXX nor any other bank. When I asked Citizens why they opened a line of credit in my name they told me because I had qualified for one under XXXX they opened up that type of account in their bank. I never used the line of credit at Citizens Bank, I called them and told them to close my account. The account was closed and then I received a letter from Citizens Bank stating that my balance was " paid off in full ''. 

I am afraid my credit score will be affected by this. This was not an isolated event. The same issue occurred to my sister as well. Can you please investigate as to why Citizens opened up a line of credit without my permission?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: EQUIFAX, INC.
State: WA
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. 

Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Has Violated My Rights 15 U.S.C 1681 Section 602 A. States I have a 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 2022-09-19
Company: EQUIFAX, INC.
State: VA
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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. 

Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # U XXXX XXXX XXXX Has Violated My Rights XXXX XXXX XXXX XXXX XXXX XXXX States I have a 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 2022-06-25
Company: Nationwide Recovery Systems, Ltd
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, I contacted Nationwide Recovery System and XXXX XXXX XXXX regarding a bill for XXXX. I informed both companies, I never received any written correspondence about this debt, nor a phone call. The companies admitted they did not have my correct phone number or mailing address. They have since submitted this debt to XXXX and XXXX. As of XX/XX/24, the debt was removed from XXXX, but they added it to my XXXX credit file, which has caused an adverse drop to my credit score. I am closing on my house, and can not afford to have this mistake they made affect me from closing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Freedom Mortgage Company
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have no contract nor have ever received any benefits from FREEDOM MORTGAGE. I have no knowledge of this company. I deny their claim that I owe them {$280000.00}. I have never received any cash transaction nor tangible tender in that nor any amount from them nor any of their affiliates and I decline to perform on any unverified note unless I am given the said amount above in cash. No payments will be made until an original note is produced and proof of ownership of said note is produced by affidavit. There are also forged signatures on said note that are 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 2023-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I do not consent to electronic communications. I request all responses be in writing through the USPS Despite multiple written requests, the unverified account/s listed below continue to report on my file. The late payments are inaccurate, the payments were made on time. Please update the late payment markings to show the correct payment history. Update the account/s below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
A money transfer was completed into PayPal Business. However, the money was not transferred as per the business to business agreement by check to the bank. The money was requested electronically and by check. All attempts failed. The customer service division of PayPal indicated that the account had daily spending and withdrawal limits which were incorrect. The account is a merchant account and has never had withdrawal limits. The screenshots reflect there are no limits. In addition, data information was requested electronically to the website. Furthermore, when logging into the account the merchant is being prompted for a mobile phone number. The phone number has been on the account for well over a year. This happens continuously. The merchant requested that customer service explain this discrepancy, but was provided incorrect information. Per PayPal the conversations regarding these incidents were recorded. PayPal has refused to provide all of the data on the account as requested. PayPal has refused to send the money by check to the merchant 's bank. The PayPal account has had numerous technical issues since XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
XX/XX/22 - unauthorized money transfer from my paypal cash balance in US dollars to XXXX dollars XX/XX/22 - money was transferred back to US dollars and I lost XXXX due to the loss in the currency exchange rate XX/XX/22 - I opened a case with paypal. While on the phone the rep said he sees this is unauthorized and I will get the difference back into my account in XXXX hours XX/XX/22 - I call to close my account. The rep dissuades me and tells me I can speak to a supervisor. Then he hangs up on me. 
XX/XX/22 - I call 2x, waste 21 minutes with rep stating he's going to get it fixed. He comes back on the line after being put on hold multiple times and says they will give me a credit voucher on my account to use for my next purchase. I explain that is unacceptable, I had a cash balance and they are violating their contract agreement with me by not restoring my cash balance in full after finding in my favor. I tell him I want to escalate to a supervisor. I get transferred to someone in a large, very very noisy crowded room and the person who picked up doesn't say one word. I keep yelling over the noise for the person to go somewhere quiet so I can hear and again, not one word is spoken. 
XX/XX/22 - I call 3x, spend 40 minutes with a rep who says he fought it out with his supervisor and I will get the cash balance restored to my account and a confirmation email by the end of the day. 
XX/XX/22 - no confirmation email, cash balance not restored, I attempts to close my account and they are prohibiting me from doing so and I am filing appropriate federal and state XX/XX/22 - I am now on the phone for 83 minutes and 22 seconds as I write this. Just to close my account. Paypal is trying to force me to link a bank account which is against the law as well as against the Paypal contract and agreement. 34 times now with two reps I have tried to get a paper check sent to me which is a viable option that they offer. When I go to do that, it says there's a problem with my address. There is not. It is the same address I've had with my account for years and used to buy/sell without issue. This is deliberate to frustrate me into giving them my financial information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-24
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I disputed this charge several times using XXXX XXXX. I settled this debt already with another collection agency before it was sold to this collection agency called DEBT RECOVERY SOLUTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THE MORTGAGE CO IS ATTEMPTING TO FORECLOSE ON MY HOME, WITH AN ASSIGNMENT THAT IS ROBO SIGNED. I SUBMITTED 2 QWR AND NEITHER OF MY REQUEST HAS BEEN RESPONDED TO. I ALSO MAILED 2 DEBT VALIDATION REQUEST AND NEITHER ONE WAS ADDRESSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
" I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, Please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
Company: PENTAGON FEDERAL CREDIT UNION
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:
Someone asked for loan to a XXXX XXXX XXXX in my name for solar panels, XXXX for {$35.00} I don't have any solar panels, I already expained to them and they want the payment, I made a report to the credit companies : XXXX, XXXX, and XXXX but they said they have the contracts and if I want hire a lawyer.

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 2022-06-24
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: Information is missing that should be on the report

Complaint:
on XX/XX/2022 XXXX to Remove Inaccurate Credit Information To whom it may concern : I received a copy of my credit report and found the following items to be errors. 
The following addresses are reporting incorrectly & must be removed immediately : The following aliases are reporting incorrectly & need to be removed immediately : The following employers are reporting incorrectly & need to be removed immediately : By the provisions of the Fair Credit Reporting Act, please have these items be removed from my report. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated 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 2022-10-24
Company: Bread Financial Holdings, Inc.
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:
On XXXX XXXX I called Victoria Secret to request the buyer of the alleged debt regarding XXXX # XXXX. I spoke with XXXX, he works in the dispute Dep and can be reach @ XXXX Ext XXXX. XXXX could not locate this account and was not aware of the debt nor the buyer, he also allowed me to record our conversation which I would like to include in this complaint, he agrees that no detailed information is listed on my consumer report. The following item is inaccurate and negatively effecting my credit. I called XXXX immediately. I asked for verification of debt or a judgment and was told that word of mouth from any company is excepted as validation of debt and that they could not send me anything in writing. XXXX has not properly investigated this account. Both of these companies are committing fraud willingly and knowingly. It is my understanding that under law you have 30 days from receipt of this letter to verify this item. it should be understood that failure to do so constitutes reason to immediately delete this item from my credit report { FCRA 15 USC section 1681 ( 5 ) ( A ). You may send an updated copy of my credit report to the correct address listed on my report. According to the provisions of 15 USC 1681j, there should be no charge for this notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-24
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: Public record information inaccurate

Complaint:
On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX Violations with XXXX, Equifax and XXXX. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX XXXXXXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, Equifax and XXXX on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, Equifax and XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX } { XXXX XXXX XXXX XXXX { XXXX } { Credit Bureau : XXXX XXXX XXXX { Credit Bureaus : ALL 3 } { XX/XX/2022 RE : Request for Investigation of Unauthorized Credit Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on { XX/XX/XXXXXXXX XXXX } and I noticed an unauthorized credit inquiry had been made. I contacted { XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit report. I request that you investigate the [ XXXX XXXX XXXX inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. Thank you for your assistance in this matter, { 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 2022-06-24
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: Public record information inaccurate

Complaint:
On XXXX XXXX I disputed reference number XXXX and reference number XXXX Privacy Act of XXXX  Violations with XXXX, XXXX and TransUnion. I mailed my disputes by certified mail with the United States Postal Service. The results came back as Verified by the XXXX  XXXX XXXX XXXX XXXX Illinois. I then wrote a certified letter to the Bankruptcy Court asking to provide the procedure in which the Court verify records with the Credit bureaus. I received a response from the Bankruptcy Court on XX/XX/XXXX stating that they is not responsible for verifying or validating any information from Consumers credit files. I then proceeded to write a letter to XXXX, XXXX and TransUnion on XXXX XXXX requesting that the two accounts be deleted from my credit report. I also send a copy of the letter from the Bankruptcy Court. Today is XX/XX/XXXX. I have not heard anything from XXXX, XXXX and TransUnion regarding this matter.

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