BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I went to XXXX XXXX with the intent to change the oil on my current car. I ended up speaking to a used car salesman and got swindled into purchasing the car in 2013. I was lied to about the fact that there was only XXXX owner, I was able to find this out through an old car title that was left in the vehicle and found out there were actually XXXX owners. I also asked several times about the price of the car and they would n't tell me. I really feel that the car salesman knew this and took advantage of me because of this. They would not show me any paperwork until it was time to sign everything. I know I was naive but I was also taken advantage of. The car price was ( which I later found out ) was way above the price it should have been, almost {$6000.00} and I was n't aware of all the fees until AFTER I signed the paperwork. This is unfair to the consumer, and this situation has made my first car buying experience a disaster. On top of that the brakes needed to be replaced and I was n't told anything about this, until I heard and FELT the brakes slipping. I brought the vehicle back to the shop, and they did repair the brakes. Although, I do have kids and the brakes were in such bad condition that I could have gotten into a car accident. I want other consumers to know this, because now I am left with an enormous car loan for a car that is n't even worth half of the loan that is remaining. I know I was naive, but I do feel that they lied to me and also took advantage of me knowing that this was the first time I bought a car. I feel that I should have been told the price up front, and also given the option to negotiate it. I also was lied to about how many owners the vehicle had. I feel that I was pressured and coerced into purchasing this vehicle. I wish I knew I could have put in a complaint a long time ago, but I just found out that this was even possible. I hope that something can be done, but at the very least I hope others can be educated on this topic by making this complaint, and to not buy a vehicle from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Northtown Capital Services Group LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was contacted by Northwest Capital Services at the beginning of XX/XX/2019. They called my mom and friend stating that I needed to call them back because of legal action that could be taken. They wouldnt disclose further information. They were attempting to get phone numbers and addresses from both mom and friend. I called the company directly and was told they were trying to collect a debt that had been given to them from XXXX for failure to pay. I was behind in my payments on this. I was told that if I didnt make some payment today or arrangement to pay that I would be served papers at home or work and would be taken to court for failure to pay and could have my wages garnished. They said making a payment would stop this from happening as long as I made an arrangement. I did NOT know I needed to receive something in writing ( I never did XXXX and did not know I could dispute. I told them I couldnt pay all of it and they were forceful about collecting. Im still in a payment agreement with them of {$230.00} twice a month ( which is financially draining ) because I never received information pertaining to the debt and was unaware that this was an unfair collection practice. Once I agreed they sent an email with a document for me to sign online. I signed this because, again, I was not aware I had any other option and didnt want to be sued. Im still in an agreement with this company and had no idea I could even dispute this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a XXXX in the XXXX and made the mistake after XXXX XXXX  of co-signing my mothers {$30000.00} car loan with Kia Finances in 2019. She failed to tell me that she missed 4-6 months of payments and the car went into collections. The company, Kia, never sent any written documentation or called about the car going to collections. For the past two years my mother and I have been trying to find out who has the loan and how to pay it and every time we call Kia we get put into a deadend. Certain more notable things we have been told are : the loan is in collections but we can not disclose the collectors information, the vehicle is in a repo status but we can not repo a vehicle from a XXXX  person, and on one occasion they asked me to make money payments by mailing cash every month to a XXXX XXXX XXXX Texas. Ive checked my credit report to see where the loan originated in a more last ditch effort fashion, and it gave me an address to a Kia Motors Finance America in California but no phone number. I used XXXX and searched the listed address and it was to Hyundai Motors. I called them to see if maybe they had a Kia finance department and they stated Kia has never worked in the building and dont know why the address was listed for their building. I spoke with my local XXXX Legal Attorney and she sent me in this direction as well as a few others and would really like some help.

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 2022-07-20
Company: NAVY FEDERAL CREDIT UNION
State: NC
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:
My auto loan with Navy Federal Credit Union was paid off in early XXXX. About mid XXXX, I contacted Navy Federal Credit Union regarding my title. They stated that the Virginia DMV placed a hold on the title. Upon review of my past Virginia DMV account, there are no holds. 

I again requested the title with XXXX XXXX and was told that Florida DMV placed a hold on the title. After speaking to a rep at the Florida DMV, I was again advised there is no hold on the title. 

I have also made three requests to close my account with XXXX XXXX and Im getting no response. I have satisfied the auto loan, I have no title, I have never received a statement confirming the payoff of the auto loan, and I am still awaiting a confirmation that my account is closed and the funds have been sent to me. 

Im not happy with the situation and do not believe it is a fair practice to hold up my title and closing my account when I no longer wish to be a member of this credit union. As you can see from their latest response they are still providing incorrect information and totally disregarding the fact that I have not resided in XXXX since 2018 and provided them with my XXXX address.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reviewed my credit report and saw this charge for XXXX XXXX hospital, I have never ever used there services. I dont even own any pets this is a fraudulent charge under 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 2022-03-25
Company: HW Holding, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive received several phone calls and voice messages from a company by the name of Hunter Warfield. Each time they left a voice message, they spoke very fast and unclearly about who they were and what number I could call back on. They phone number they did provide was much different than the one that appeared on the screen when they called. On XX/XX/XXXX, I received another call and voicemail at XXXX. I called back at XXXX pm and spoke with a man that told me I owed approximately {$1000.00} for potential gross rent. When I asked what it was for, he stated that I was the guarantor on a contract and that I owed this money. 

He could not reference the exact contract nor the section of the contract that indicated I was responsible for such fees. The representative also failed to mention the name of the company I allegedly owed this debt to and did not offer to send me a copy of any statements regarding such debt. I assumed he was referring to my late fathers apartment complex. I informed him that my father passed away XX/XX/XXXX and that his belongings were cleared out of the unit by XX/XX/XXXX. The key was returned to the management office the morning of XX/XX/XXXX. The rent was paid in full and up to date until the end of the month. I offered to send in a copy of the proof of death which the property management already has on file. The Hunter Warfield rep stated that he was sorry to hear but that I still owed this debt because I signed a contract. He also stated I didnt need to send anything as his company would reach out to the property manager. 

To date, I have not received any bills or notifications from the apartment complex that any money is owed to them. I have not had time to fully mourn the loss of my father and to receive calls barely 3 months after his passing, from a debt collector about a debt I have no knowledge of is insulting and disrespectful. I will seek legal action if I continue to get any calls or see any negative items placed on my credit report as a result of this torment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report as soon as possible. 

XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$500.00} UNIVERSITY OF XXXX XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED 1XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a 0 % APR offer for 15 months on balance transfers with a 4 % transfer fee from XXXX, I took this offer to the XXXX branch of Fifth-Third bank and ask if they could match it. I stated I would rather deal with a bank with local branches that I also have a credit card from. The banker put in the request and I received the same offer, with checks, in the mail a week later from Fifth-Third. I went to use this check to transfer a balance from XXXX, the check was accepted on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the balance was reaccredited to the XXXX account with a bad check fee assessed. I went to the XXXX Fifth-Third Bank branch to question why the Balance transfer was not applied, I was told those checks were for a credit card that was issued in XXXX and never activated with my mother listed as a co-signer on the account. I had removed my mother as a co-signer on my credit card in XXXX when an old credit card got hacked and I had to get the Fifth-Third card re-issued. I asked the banker and her manager from the XXXX XXXX, over the phone, why I was receiving the balance transfer offer at my apartment for an inactive credit card from XXXX and why the check was accepted initially at XXXX. This is a very shady practice, I had to then confirm the this account was indeed closed and had to complain until the Fifth-Third banker called XXXX to get the bad check fee removed. I then asked for the same balance transfer, that the old inactive credit card from XXXX received, and was told only the marketing department could extend those offers. I then had the Fifth-Third banker call the marketing department and was told they have no control over this and was given the run around with no apology besides " that is how the business is run ''. This was both insensitive and rude. The manger then told me I could only receive the balance transfer offer if I open a NEW credit card, but would have to close my older account which has a much longer, 9+ years, of established credit history. I told them this was unacceptable and was reporting this to the XXXX and Consumer Financial Protection Board.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

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 2020-03-16
Company: EQUIFAX, 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:
Equifax ; XXXX  and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$20000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I am current with the payments, I havent missed any payments, and I currently own and am driving this vehicle. This account is being coded as a charge-off. This coding is wrong. This account is in good standing and needs to be reporting accurate information. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to fix this coding issue, but I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY 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 2020-03-16
Company: CCS Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
around first of XX/XX/2019, i ordered internet thru XXXX  XXXX. i was to be wired! never happened!! they sent me a bill for XXXX. i'm not wired nor do i have a modem! sent by XXXX. no modem no internet! XXXX  leaves a note to contact thru a web site n phone #. it took 3 wks to find and get myself. hooked up no service. in XXXX, XXXX gave their cust service #. i coud n't t find it to call. XXXX i called told them told them never wired, they would to hook me up! i told them not to, since i went back to XXXX. she said it would be cancelled. never was!! ( i would be without internet over 3mo. ) in XXXX, got a bill, i called ask for susper. ( i told cus rep i never got wired up ), after on phone over an hr they just hung up!! same for XXXX and dec. ask for super. hung up on after more than an hr. still a bill comes every mo., am i to pay for service never received??

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Upon deciding to have a medical procedure done, and only having Medicare as my primary insurance, I was lead to believe that if there was a co-pay there would be assistance available to me that would cover the co-pay.

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 2016-02-03
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Good day XXXX, I want to say that I am XXXX XXXX veteran XXXX female. I am not sure if you are the right agency to contact about my personal concern with how I was questioned by a financial institution when I requested and applied for an online loan. I applied for a small home improvement loan through I can not remember if it was through XXXX or XXXX. OneMain Financial online lending institution was one of the potentially interested online lenders of my application request. It was about XXXX XXXX, XXXX, the agency wrote to me through email asking me to call. I called and was asked a bunch of questions about my monthly incurred living expenses. If I remember correctly he took down the information and said that he would get back to me. I received a call one morning when I was asleep I answered the telephone and it was OneMain Financial calling waking me to ask more questions when I thought that I had answered everything on the first call. If I can remember it correctly I was still sleepy not really focused for the day ahead of me and he asked me out of the clear day if I ever filed a bankruptcy. I struggled to understand what and why he was asking I am also moderately hearing impaired. So I repeated what I thought he said however I asked if he asked me if I filed for bankruptcy in the last seven years. He repeated had I ever filed for bankruptcy I remember thinking can he ask me that? I thought I was protected if it was more than seven years ago and that I did not have to answer. I was perfectly willing to be told no OneMain Financial would not loan to me. He insisted as I said I was waking up and I did not want to respond but found myself responding yes. He asked when my bankruptcy was filed. I told him in XXXX XXXX. That was more than 20 years ago and I was frightened into it by the creditor XXXX threatening that they would send XXXX truck to my living place to pick up the money that I owed them. I was scared and I filed rather than be subjected to intimidation I had also recently received a telephone death threat and we were talking by phone. I received another call by a female who asked me similar questions as the first XXXX people and instantly told me I could not be approved. My concern is did this online financial institution OneMain Financial have a legitimate right to ask me about my credit 20 years ago when I had lost a job, and was near homeless. That XXXX XXXX on my birthday I was evicted and spent 10 years homeless. I was reminded of that period of time in my life it caused me emotional distress. I hope if you are not the right agency that you XXXX will point me hopefully in the right direction of who I should direct my concern to. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Real Time Group, Inc.
State: SC
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:
On XXXX, I filed a complaint with the CFPB ( # XXXX ). The company did not fix my credit report or remove the full balance as stated in the claim. I thought they had removed everything. They changed their name from XXXX to Real-Time Resolution and added more derogatory information to my credit report. 

In the attached documents, you will find the original CFPB complaint. I included a section from my XXXX credit report. Page XXXX shows where Real-Time and XXXX are the same company. in the XXXX credit report, it shows that only Real-Time is on my credit report, but the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-10
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2019, XXXX XXXX XXXX XXXX came to my door to shampoo 3 rooms, and I let them. Long 3 hours went by, and I knew my credit would not be approved because I was not working, my husband is the only one. So, I said sure, run my credit. Well, a few min later, they said I was approved. I asked the salesman how, and he said they only used my info, but used my husbands earnings. Anyway, later that night, I explained to husband, he said nope, they jipped me. In the meantime, I was supposed to go on my email to sign the financial loan documents. I had 3 days to rescind and give vacuum back. I looked on my email, started doing paperwork, then I quit. I was asked on a form for my drivers license info, I actually never finished the paperwork. I also in the meantime tried to contact the salesman to please come back and get vacuum. I could not get him, his boss. I tried for over a week. Well, after that, one of the reps from XXXX said that XXXX XXXX needed my drivers license info, that I needed to call them or the contract was void. I never gave them info, and never actually seen a contract containing my interest or anything. The XXXX salesman had put all my info in the site and set me up for auto pay. Long story short, a couple months passed, I got out the owners manual to learn how to use the attachments. I found a copy of my credit app folded in it. The salesman had wrote in that I got XXXX a month XXXX!! Really!! Its such a ripoff all the way around. Please, please help with this

Company response to consumer: Closed with explanation