BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
In XXXXXXXX XXXX  XXXX I leased the car from XXXX XXXX XXXX XXXX XXXX XXXX NY ). The leasing company would be Kia Finance, Account Number available upon request.

At this time, Kia Finance would be the title holder. 

XXXXXXXX XXXX XXXXXXXX I had completed a lease buyout through XXXX XXXX, Account Available upon request. 


I called XXXX XXXX customer service to request a duplicate title. They had told me that since XXXX received the title, I would have to request a duplicate from them/have XXXX request from the DMV. 

Reached out to XXXX, they had advised that they never received the title. They suggested that Kia orders it. XXXX has never received the original title and had therefore not been able to file on my behalf. 

Ive contacted Kia Finance multiple times and requested to speak to their supervisors. Neither the representatives or supervisors were willing to order a duplicate. Nearly every rep had said that since the title was sent to XXXX, they would have to put the request through. 

This went back and forth for about three months. A supervisor at XXXX was in direct contact with me. She had believed Kia was going to request a duplicate from the DMV. This ended up never being requested and XXXX has not responded to my last three status requests.

Kia Finance has now refused multiple times to send me or XXXX a duplicate copy as they believe they are not the Title Holders. 

Ive attempted to have XXXX XXXX Kia request a copy. The first time I went in, a representative gave me an Odometer statement to submit to Kia Finance. She claimed this would correct the title issue. Nothing was every confirmed to be received and no updates were made to my title. 

I visited the dealership a second time and was told that since it was the end of the month, they were unable to assist me. I scheduled a follow up for XXXX. 
When I went back in, the title/billing representative had said she would request the title from Kia Finance directly/her contact there. I followed up a week later as I didnt hear anything and was told that Kia Finance had not responded.

Ive reached out to Kia Corporate as well. That was shooed away and they did not seem to understand the situation. 


I also had filed a complaint with XXXX XXXX XXXX and had just recently requested to keep the case open. Kia has never reached out to me regarding this. 
File number available upon request I've now had to hire an attorney to draft a demand letter as well as file this complaint.

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 2015-05-28
Company: JPMORGAN CHASE & CO.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My vehicle a XXXX Dodge Dart was totaled on XXXX/XXXX/2015. The XXXX insure paid XXXX on XXXX/XXXX/2015 and my Gap insurance paid a total of {$5800.00}. I should of gotten back {$680.00} from Chase bank. Instead the a reporting on my credit report me as being delinquent XXXX. I never got a final bill or itemization even after I requested one several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: SIMM Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
SIMM Associates XXXX Inc who is not authorized to conduct business in New Jersey is a violating my consumer rights. Without my consent 15 USC 1692c ( a ) they have contacted me to attempt to collect an alleged debt that is unverified. I am requesting that this debt collector cease unauthorized communication with me via all mediums, including but limited to ; text, mail, phone, consumer credit reports, and courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My Chime Banking is taking huge transactions from my account for the last 6 months. The transactions are not authorized and the bank refuses to inform me how or where the transactions are being deposited. XXXX XXXX XXXX was stolen and every month after this date its been XXXX taken from my savings. XXXX XXXX XXXX has been taken again without an explanation to where my funds are being paid towards.These are my social security monthly deposits for my child.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: GA
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 purchased a camper and US BANK assumed the loan. I set up auto draft so I wouldnt have to worry about the payment. The address I used when I purchased the camper is not the same address where I am currently living. The problem is, funds didnt transfer in time and the auto payment didnt go through. At no time was I called to fix the issue. What they were doing was sending mail and notices to the wrong address. After I discovered my payment was late I IMMEDIATELY caught the late payment up As well as pay it current and correct the issue for the current address. They have XXXX modes to contact someone and if they are going to ruin someones credit they should at least try a phone number. Furthermore my credit dropped XXXX XXXX and Ruined my name. They used improper information and the years of being responsible to maintain top tier credit shouldnt be ruined by their mistake or 1 late payment.

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 2016-10-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AMEX including forged signatures and adding my name to invoicing. I was able to obtain the original paperwork that was submitted to American Express and to my attorney. The documents submitted showed that all correspondance and billing from this merchant in the past was never handwritten and printed from a computer system. I have made transactions with this merchant in the past where I was present, but that was not the case here and AMEX 's policies clearly state " American Express Cards are non-transferable, so they ca n't be borrowed or loaned " I had authorized a transaction on XXXX/XXXX/2016 in the amount of {$4600.00} to help my partner and I was present every time there has been a transaction. There was a warranty of XXXX or XXXX miles with that transaction and the reason that the car ended up back at this merchant was due to their equipment failure that should have been covered under the warranty. There is paperwork attached stating that {$0.00} balance was owed and then when the vehicle was being picked up the merchant tried to bill {$13000.00} without consent before the vehicle was completed which is illegal in the state of Florida. It states directly on all of their paperwork that customers must receive a written estimate if the final bill exceeds {$100.00} and estimates were not provided until the day that the vehicle was complete and ready for pick up ( merchant attached forged copies and you will notice that the date on those copies is the date of the alleged transaction ) I refused to pay and the merchant locked me out of the store, so I did not make this transaction. After resubmitting all of the proof ( documents ) to American Express they are still tying to make me pay for something I did not purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making payments since 2014 and have paid about {$6300.00} +- since then. All of the money paid has been going exclusively to interest except for {$580.00}. I am surprised that none of it went to the principle amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: TRANSUNION INTERMEDIATE 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:
transunion did opposite of what i asked them to do iasked if they could delthe opposite of what i asked them to doete XXXX  from inquirys on my credit report but it was ok to leave the one from XX/XX/2021 on because i did do that one they deleted that one and left the others on

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 2017-02-22
Company: CITIBANK, N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2016 Citibank was offering a promotion for opening a new checking account and funding that account with {$15000.00} or more within 30 days of account opening. The promotion offered a {$400.00} bonus. 

On XXXX XXXX I applied over the phone for a qualifying Citibank checking account ; there are no local branches where I could apply in person. On XXXX XXXX I was told that the account would be reviewed and that paperwork would need to be completed prior to the account being opened. I received the paperwork via mail and returned it. 

On XXXX XXXX I called Citibank to inquire about status of my account and was told that the paperwork had been received and processed and the account open date was XXXX XXXX. I asked if the promotion would be in jeopardy given that 20 days had elapsed since my application and was told by a Citibank agent that the 30 days for the promotion would commence from XXXX XXXX, not XXXX XXXX. I electronically linked the new Citibank checking account to my other bank account and transferred in the {$15000.00}, which arrived on XXXX XXXX. 

After the waiting period expired I contacted Citibank to check on status of the {$400.00} bonus and was told that I was not eligible. Citibank was now using the XXXX XXXX application date instead of the XXXX XXXX account creation date as the start date for the promotional period. The primary issue at hand was that prior to XXXX XXXX there was no account number provided to me that would allow me to transfer funds. I called Citibank a number of times and escalated my concerns to their supervisory team but after two formal reviews, including one where Citibank acknowledged the XXXX XXXX account creation date, they did not consent to honor the bonus offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-25
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am responding to a letter I received from Experian regarding a suspicious request made on my credit file. Based on my understanding of the letter, it looks like Experian is refusing to complete my request because they believe the letter I wrote them was not sent by me. 
I would like Experian to know that I did in-fact send them a letter disputing information on my credit report. I also give Experian my expressed and written consent to continue with the investigation of my accounts per the dispute letter I wrote to them. 
Since I have not experienced this situation before, I would very much appreciate Experian providing me with an explanation of my rights specifically pertaining to how I am allowed to dispute information on my credit report. 
I would also like to know specifically what made my letter " suspicious '' and why Experian thinks I did not write my letter to them. Did I say something in my letter that they think I am not smart enough to write myself? 
I have reviewed Experian 's website to determine what steps I am required to take to dispute my accounts and thought I had followed all instructions : I sent in a copy of my ID, proof of my social security number and proof of my address. I would be very grateful for a step by step explanation from Experian detailing the specific information I may have missed from their website. 
I would like Experian to let me know if I am allowed to re-write my letter, and if so, would Experian be so kind as to provide me with an example of a letter that would be acceptable to them? 
I am just a regular person and do not have the money to be represented by an attorney or any other agency. I work all day and can not afford to take time off work to dispute my accounts. So I would like Experian to tell me if completing a dispute over the phone would provide me with the same outcome as a letter? And if the results would be the same, why is Experian choosing to not accept my letter and my humble request for an investigation of my accounts?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
add my XXXX card from 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 2022-10-12
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
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 being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date Opened XXXX XX/XX/2017 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: ENCORE CAPITAL GROUP INC.
State: ID
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Midland XXXX al has a standard practice of not investigating disputes properly via account level documentation and Sellers often Disclaim documentation as evidenced by C.F.P.B. Consent Order XXXX. 

I disputed the below account more than once and to date am discovering ongoing reporting which I disputed and to date Midland has not properly investigated. Midland also reports my disputes as not timely, also a common fraudulent statement used by MCM. Please have them remove these inaccurate/not properly investigated accounts from all XXXX credit reporting bureaus. 
Midland Funding LLC acct # XXXX ... XXXX/XXXX/13 {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a phone call from XXXX XXXX who told me that they have a file for HSBC that I owed $ XXXX to. This is the same company that called me aggressively last year threatening me with with criminal actions that would lead to the loss of my family 's Nutrition Assistance and Medicare if I did n't pay them. They refused to verify any accounts or amounts owed. When I looked into the matter, I discovered that the Date of Last Activity for an HSBC secured credit card was in XXXX 2008 with no payments thereafter. When I mentioned the statute of limitations barred any collections, XXXX XXXX stated that " does not stop them from collecting ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I Never received the ORIGINAL Toll Bill of {$11.00} since the Address is INCORRECT. My Address is XXXX XXXX XXXX, NY XXXX NOT " XXXX XXXX '' as shown on the Collector 's Bill. The Original Bill never got to me. I should not pay this Debt Collection Bill since I never even received the Regular Bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have disputed multiple inaccuracies on my report I would like them to be removed immediately Account XXXX Account XXXX And also multiple payments being reported late which I have never been late on XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
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. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with information listed and removed or updated without incident. Also, the creditor I talked to agreed to repair the account in my file. You however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, what day and time you talked to this person? All this information is need for a case I'm building against all parties who are damaging my credit XXXX XXXXE 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