BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-23
Company: HYUNDAI CAPITAL AMERICA
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: Account information incorrect

Complaint:
This company are XXXX When I canceled the first two checks for {$3700.00} and {$1400.00}, KIA finance applied them as payments and {$300.00} to interest when they should not have. They are at fault and even the lady who called me on XX/XX/22 said it was Kia finance fault because when you cancel a warranty the payments should automatically go towards the principal balance and not count as a regular payment or interest. Kia finance lied in their response, when I initially contacted the Ohio Attorney Generals office was because the XXXX dealership did not send the other checks that I canceled to apply to my principal. My letter was never requesting the ancillary product refund to be applied to only the principal balance of my account. How could I be past due when KIA applied the checks as payments/interest instead of applying them to my principal balance in the first place? Applying canceled warranties to the principal is common practice for all auto loans. They waited two months later to reapply the {$300.00} to my principal making my account past due. Also, the only reason why I paid on XX/XX/22 is due to me refinancing my car because Kia finance is a horrible company. My loan officer told me to pay for this month and I did what i was told. Attach are the documents showing Kia applying the checks as payments and interest when they wasnt supposed to in the first place. Even my current loan officer said when you cancel warranties they are supposed to go towards the principal balance not as a payment or to interest. Sadly, i did not know this at that time until the Kia representative called me on XX/XX/22 to inform me of this. Kia finance already have lawsuits for reporting inaccurate information on consumers accounts and they have lawsuits for applying payments wrong to consumers accounts! You guys had already sued hyundai for inaccurate credit reporting who is the same company as Kia finance. This is a ongoing issue that Kia finance/hyundai is doing! Attached are the documents. I never contacted the ohio general attorney office to request the checks to be applied to my balance, I do not know why Kia is lying and is supposed to be a business. This is not right!!!

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 2022-06-21
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Capital Accounts LLC : # XXXX Capital Accounts LLC did not provide me with a HIPAA release that releases my medical information to them ; even more so, by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named collection agency, should this item not be deleted within the 15 day period allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.

15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.

In a good faith effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action, and correct any erroneous reports of this debt as mine. 


I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Block, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I received an invoice from XXXX XXXX with email XXXX, invoice is for payment on the goods I already received, so I paid {$950.00} each for XXXX items, using my card ending in XXXX only for XXXX XXXX to reach out to me, that the transaction was on hold, I reached out to my bank and they confirmed the money successfully posted, tried reaching out to square but it has proved abortive money should be released to XXXX XXXX as theres no charge back or dispute I have successfully picked up my item before making payment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: NJ
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 have been disputing this account for a few months now and havent received anything concrete to keep it on my credit file. This is a violation of my rights. I do not believe the credit bureaus have been throughly looking into my disputes. I have attached my dispute letters that include, XXXX XXXX compliance data as well as consumer law challenges under the Fair Credit Reporting Act! How are these accounts simply coming back as verified with no proof of thorough actual work being done. This is beyond messed up! The credit bureaus have been violating our rights for years. How long will the CFPB let this nonsense stand! 

I am reaching out to the CFPB today because I am hoping that you will be able to get me some real answers and have my best interest at heart because the credit bureaus obviously dont!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: HEAD MERCANTILE CO., INC.
State: MS
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:
I disputed an invalid collections placed on my credit report with XXXX, XXXX and XXXX online. XXXX and XXXX removed the collections account from my credit report within days. It took XXXX approximately 30 days to return a decision that the collections account was verified to be mine. 

I reached out to the collections agency through the phone number listed on my XXXX account. I told them that I needed proof of account ( original agreement ) for a collections that they placed on my credit report. They asked me my name which I provided. They then asked me if my dob was XXXX, which it is not even within 10 years of my dob. They then asked me for my address. They told me that they did not have an account associated to me. 

I created a new dispute with XXXX for the same collections account. This time I also called to speak to a representative. I let them know that I had not done any business with XXXX XXXX XXXX  XXXX ( the original creditor ) and that the collections account was not mine. First I was told I would have to wait for the 30 days again. I told the young man that it was not good enough and told him how I had contacted the collections agency. He then told me that I needed to prove that the account was not mine. I told him that it is impossible to prove a negative and that the creditor is responsible to prove that the debt is mine and that they are supposed to validate that information. I asked for a supervisor ( operator id XXXX  ) and told him the same story as before. He too refused to help me so I asked for his manager. I was transferred to XXXX ( XXXX ) in the Consumer Affairs department who refused to assist as well. I asked again for a manager. I asked for verification of the debt that they had been provided in the validation of the original dispute. I was told they do not provide to the consumer. He told me to contact the creditor. I told him how I had already done so and they could not locate a debt that matched me. The XXXX operator then told me to get the creditor to provide a letter saying that I dont owe them anything. I told him it is the creditors responsibility to prove I do owe and not for me to prove that I dont. I then asked for information on how to contact the Consumer Financial Protection Bureau. He told me I would have to XXXX it. I also asked if the call had been recorded and was told it was. I asked for a copy or transcript and was refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: MI
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 XX/XX/XXXX I filed dispute regarding 30 day past due on credit report with XXXX XXXX back in XXXX. This was the only negative mark on a lease that terminated XXXX XXXX Credit reports for all three companies reported for myself and my wife that good standing and closed with no amount owed. I get email back from experian saying dispute is complete and we have owed XXXX XXXX XXXX $ for since we turned in the vehicle XX/XX/XXXX. We never received a notice after XXXX which was the wear/tear letter from them and paid them the XXXX owed. We have not received any phone calls, letters stating we owe money or collections. We have bought two cars and a house since then and nothing on our credit reports. When talking to XXXX XXXX they are stating that they always have reported this and all three credit reporting companies did not report it. They are demanding the XXXX, which I payed on XX/XX/XXXX to stop the hemorrhaging on our credit report. I am trying to get them to remove this from both mine and my credit report but they are saying federal laws says that they have to report this. I find it unethical that after 4 years without any contact that they can just claim we owe back money and put it on our credit reports. We moved three years ago and this was not on our credit. We have bought two cars and its not on our credit. 
XXXX XXXX stating they are going to do an audit to see what happened. 

I'm so upset as if we had known 4 years ago we would have paid it instead of it popping up on our credit report 4 years later. I am also filing complaint with State of Mi attorney general and XXXX Companies to report credit history correctly and if we had owed the money reported it correctly so we knew something was not right 4 years ago

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 2023-10-10
Company: CITIBANK, N.A.
State: KY
Product: Credit reporting 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 have multiple reports of trying to reach out to these companies and try to settle and/ or have these removed. Creditor : XXXXXXXX XXXX sent me to a third party XXXX XXXX and they are trying to get {$380.00} from me but they were already paid and removed from my report by a debt condsolidation company. All of these have been disputed with the debt consolidation company and they were resolved yet they have not been removed off of my credit report. I am asking to have these collections removed. XXXX cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX citi, citi XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These are all listed on my credit report as paid but charged off. This is wrong as an account can not be listed as charged-off and paid on my credit report the remark is incorrect and I would like to have it removed. I have been sending them letters since XX/XX/2023 with the latest letters being sent on XX/XX/2023 and have given them all enough time to get these removed without having to get you involved but it is not working and I need 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 non-monetary relief
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
State: FL
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:
Good afternoon Team EQUIFAX : 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 Im writing to dispute for the second time the following in my file. The item i dispute alse are encircled on the attachment copy of report i received. This item # XXXX of XXXX XXXX XXXX disputed by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ) is inaccurate or incomplete because ( describe what is inaccurate or incomplete and why ). Im requesting that the item be deleted ( or request another specific change ) to correct the information. Use this sentence if applicable and describe any enclosed documentation, such as payment records, court documents ) Enclosed are copies of documents supporting my position. Please reinvestigate this ( these ) matter and delete or correct the disputed items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: USCB Corporation
State: GA
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Being charge for something I didnt use or agree to use was doing a free trail for the company and now they charging me the full price for something I never completed!

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 2022-05-20
Company: EQUIFAX, INC.
State: TX
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:
Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX  neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX I have the right to demand and see the contract between XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: WELLS FARGO & COMPANY
State: CA
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:
My name is XXXX XXXX, I have many unauthorized transactions in my Wells Fargo account with the following merchants, XXXX XXXX, XXXX, XXXX, and XXXX. I contacted the support team, came to know these all are ACH transactions that are unauthorized. I filed a claim on the XXXX of XX/XX/2023 with Claim No XXXX, and within 4 days, when I call them to know the status, they mentioned this claim was denied, and Wells Fargo said to contact the individual merchants by myself. 

Clearly, this claim was not investigated properly by Wells Fargo Team. I can clearly see other names on a few of the transactions. I requested them to contact me directly through the phone, by the investigation officer/ Banker who did this investigation, but no use. I requested them 4 times, but every time they are saying, XXXX ( Investigation Officer ) tried to reach me but I'm unavailable, the fact is I never received any phone call from Well Fargo. At least they have to leave a voicemail if they contacted me, I have no missed calls, or voice mail left. My phone is working fine and I can receive all other Phone calls, except the Wells Fargo Investigator phone call. 

I requested more information, about the transactions How these transactions are done, or any information that will help me to talk with the merchants, but Wells Fargo didn't provide any information. Every time they are just saying, we dont have any more information regarding the transactions. Wells Fargo is not helping me in this issue. 

I Never had any accounts with these merchants, It really hard to contact them without a registered email or phone number in their respective platforms, my phone number, Email are not registered in their accounts. I tried to reach XXXX XXXX, XXXX, and XXXX. XXXX Responded and asked for information like my ID/Passport to proceed with their investigation. Other merchants are not even responding properly. 

I lost my money from my Wells Fargo checking account, The Bank is saying they cant help with this and asking me to contact the merchants. It is not the proper solution any customer expects, at least I have the right to know what happened and information regarding these transactions. Why are there other people 's names showing up on my bank statement? What investigation did Wells Fargo do in these 2 business days? 

During the transactions, I havent received any notification, email or phone call, or any information regarding these transactions. Now Wells Fargo is not helping me, I want my money back.

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 2022-06-06
Company: AFNI INC.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I requested to join XXXX XXXX online on their website on XX/XX/XXXX, and they sent me XXXX cards for my devices. I did not receive the XXXX cards and requested via online chat for XXXX XXXX to cancel my order and close the account on XX/XX/XXXX. I received email confirmation that my request to cancel was initiated. I decided to try in-store to create my account with XXXX XXXX instead . I went to the store on XX/XX/XXXX and was told that there was still an active account preventing me from opening a new account and was told to try over the phone with XXXX XXXX customer service. On the phone with customer service, I was told until the first account is completely purged from their system, I could not open a new account. My case was forwarded to a supervisor, I was told. I called back a few days later as instructed and was able to open my new account with XXXX XXXX ( which I currently maintain and pay the bill monthly on time ). I was told that whatever account was active before is no longer open and was resolved. In XX/XX/XXXX I received a letter of collection from Afni, XXXX XXXX ' collection agency. I called Afni on XX/XX/XXXX and explained the situation. I was told that the issue would be forwarded for review and instructed to call back. Afni 's hours are during my work hours, and it is not easy for me to call each day. Afni never made any attempt to contact me of their findings or any further action of debt collection. On XX/XX/XXXX I received a notification of change to my credit report for a negative report made on behalf of XXXX XXXX. I contacted Afni on XX/XX/XXXX where I was told that their review determined that the debt was valid?! And that because I did not follow up with them after the initial call, they forwarded my debt to XXXX XXXX! This business practice is very unprofessional. I do not owe anything as I cancelled the XXXX XXXX account within 6 days of requesting it, without any services rendered. I have recently contacted XXXX XXXX and filed a dispute with them on their website, however, they have not allowed for me to upload my proof of documentation. This is a farce, and XXXX XXXX is ruining my credit for an error on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
XXXX  XXXX XXXX closed my account without notice & sent me a cashiers check with the remaining balance of {$12000.00}. I was told I would receive my funds within 5-7 business days. After waiting for 2 weeks I went into a branch to speak with a manager about the whereabouts of my check. I was told to call in two days later and they would have the status of the cashiers check. I called in on XX/XX/XXXX and I was told that the check was cashed fraudulently XX/XX/XXXX at a Capital One bank in XXXX Virginia. I live in New York. 
**The problem is that I was in a car accident and those funds were from my car insurance company to fix the damages to my car. The damages were over {$13000.00}. 
** Meanwhile the collision shop is waiting for {$13000.00} payment for the repairs they have performed on my car for 3 months now. 
** The urgency of this matter is that the collision shop has now put a lien on my car & it will soon go up for auction. Which then will result in a repossession on my credit. I am a single mother of XXXX and I work for myself. My car is my livelihood for me to conduct my business. 
I called multiple times & I am being informed by XXXX  that Capital One has not responded to my claim for my funds to be given back to me that was stolen. 
Can someone please look into this matter before I lose my car. This is very unfair to me that my check was able to be cashed at Capital One Bank. I was not present & Im sure this person who stole my money did not show proper identification to cash my check in the first place.

Company response to consumer: Closed with explanation