BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-16
Company: HYUNDAI CAPITAL AMERICA
State: TX
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:
I paid off my 72 month loan on my XXXX XXXX XXXX. I requested my title back in XX/XX/XXXX. Kia Motor Finance claims that it was sent, however, I never received it. I am trying to trade my car in and Kia Is giving me the run around and wont provide me the title.

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 2022-06-16
Company: FIRST NATIONAL BANK OF OMAHA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I am very upset with the service received regarding my credit card account, I created a balance transfer and entered the incorrect amount to be paid which caused an overpayment to my card. I contacted you institution on XX/XX/XXXX advising of the overpayment at which time the representative stated the overpayment would be returned in 7-10 days which I was fine with. On XX/XX/XXXX I noticed that my account was now OverLimit due to the payment being reversed because your Accounting Department considered it Fraud even though the transfer was submitted by XXXX Bank on my behalf. I contacted XXXX Bank today XX/XX/XXXX and they do not have the funds. 
FNBO received good funds for payment on XX/XX/XXXX on XX/XX/XXXX the funds was reversed and sent back to my balance transfer company which they have not received. I had three conversations with FNBO on XXXX, XXXX, XX/XX/XXXX and at no time did any of the representatives state there was an issue on XX/XX/XXXX the funds were reversed and the representative stated that they were returned because they thought it was Fraud, at no time did FNBO e-mail me call send a secure message regarding the overpayment they just returned the funds causing my account to be OVERLIMIT. I now am paying interest on a Balance Transfer and having to pay interest on a card that was to be paid off. FNBO stated you can just send the money back whenever you receive it. This is totally unacceptable Desired outcome : Reverse any and all overpayment fees and interest on outstanding balance as of XX/XX/XXXX when they received funds also refund any and all fees from the balance transfer that was not accepted by your institution. 

I have also noted below the information from my account showing the payment, the Secure Messages and the reversal of 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 explanation
Consumer complaint received 2020-01-12
Company: AES/PHEAA
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Goldman Sachs is REFUSING TO PROVIDE ME MY ACCOUNT NUMBER by any verified method. Goldman Sachs demands I gain this info on this closed account by a cell number and cell phone on a wallet app I no longer have. This refusal is not only anti-consumer it is anti-business. Goldman Sachs doesn't want to get paid if it doesn't provide the information necessary to conduct a balance transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian has responded to my complaints 2 different times and both times they do not address my complaint. They are clearly breaking the law because they are putting stuff into the complaint reply that has nothing to do with my actual complaint. 
Section 605B of the F.C.R.A. states very clearly how a C.R.A. must act in regards to an ID theft complaint. There are 6 sections in the law named. A., B., C., D., E., F.

It is clear in the law, that the C.R.A. must do all the 6 sections in order how written. " A '' says to block the information I identify as fraud no later than 4 business days after i identify that info. " B '' says to notify the furnisher of the info that the info they submitted was blocked. " C '' says that the C.R.A.  can decline or rescind a block request by me, after the furnisher answers with information that contradicts what the i claimed, then the C.R.A. can make a reasonable determination what the truth is. NOT before they block the info no later than 4 days after i claim it properly.

Fraud is fraud. Experian needs to OBEY the law and NOT rewrite the law to break the law like they are now.

4 business days have come and gone, i am harmed because information I did NOT give permission for, or allow someone else to do, is on my file wrongly. I did NOTHING to have those companies place inquiries on my credit file. The police agree with me, i filed a new report, i have given this to Experian and they are saying NOTHING in relation to my complaint, they are avoiding my complaint with XXXX, nothing true to me.

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 2020-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
The collection on my report I have no Knowledge of this company I had no verbal communication and never sign anything any agreement with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: LEXISNEXIS
State: TN
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:
Lexisnexis has been listed as the furnisher of public record information for XXXX, XXXX, and XXXX. I have provided recently a court signed document expungement of bankruptcy case XXXX filed on XX/XX/2019. This was a human error that wasn't created as a new filibg. The document state that error. I emailed Lexisnexis the document included their case information on the email, and had previously in the same disputed request have provided Lexisnexis with a copy of my drivers license, mail address. Yet, Lexisnexis, XXXX, XXXX  and XXXX   are not removing this erred bankruptcy case. I have provided all 3 reporting agencies with my driver 's license and mailing address via dispute and through Cfbp complaints filed through out XX/XX/2019. I want this corrected on my credit report. It is causing great distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My Chase XXXX private student loan has now been paid off three different times with the balance ending at {$0.00}. They will not close the loan out and continue to send me monthly statements even though the loan is now with XXXX XXXX. The people that work there continue to give me the run around transferring me to several different " supervisors '' all who say the loan is closed out and then I get a bill every month. No one here know how to process a payment, loan transfer or a loan pay off. I demand that the loan is closed out immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had previously submitted the following complaint regarding a Bank of America practice of limiting the options for customers to contact it. 

" Bank of America send me an unsolicited email message that contained the following statement : " Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX. Please do NOT send any physical mail to this address, especially mail containing sensitive information. Need to get in touch? Simply visit our Contact Us page for multiple ways to connect. Please do not reply to this email, as email replies are not monitored. '' Specifically Bank of America does not want me to contact them in writing regarding the matters of the unsolicited email message that raised multiple concerns. '' Bank of America has not uploaded its response to that complaint to the CFPB portal and thus did not provide CFPB or others who may have examined my complaint and the company response an opportunity to see a clear inconsistency in company 's response which contained factually false information. 

The original message from Bank of America that I file a complaint about contained the phrase " Please do NOT send any physical mail to this address, especially mail containing sensitive information. '' stating that I CAN NOT send any mail to the company. 

In its response that the company forwarded directly tome and had not uploaded to the CFPB portal it claimed that the exact same address CAN be used for snail mail correspondence. The company has not said anything that the information in the email message was clearly discouraging consumers from sending physical mail to.

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 2016-02-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Hi! To give you a brief recap, XX/XX/XXXX the IRS had incorrectly assessed a tax lien in the amount of {$130000.00} and which was then subsequently filed/recorded in XXXX separate county clerk offices ( XXXX in XXXX & XXXX in XXXX ) which created XXXX public tax records against me. When I finally became aware of these liens I had one of my attorneys research the matter and it was determined that these liens should have NEVER been filed against me personally. A formal dispute was filed with the IRS XX/XX/XXXX and they subsequently agreed XX/XX/XXXX that these liens were improperly assessed against me and they were immediately released ( see attached correspondence ). 

While other credit bureaus subsequently removed these from my credit file, Equifax has continued to improperly list them. I have made at least XXXX ( XXXX ) formal disputes with Equifax including sending a certified letter to Equifax 's CEO contesting these items and, simply put, have achieved nothing doing so. I 'm not sure if the CEO even looked at my letter but no one at Equifax who reviewed my online dispute seems to understand that these items should be completely removed from my credit file when the IRS itself determined that these liens were, in fact, improperly assessed against me. I 'm not sure where the disconnect lies nor why the Equifax team who handles disputes can not understand the distinction of what happened here. I was told by each of the Equifax representatives I spoke to that I would have to obtain individual releases from each of the county clerk offices where the IRS liens had been filed and this makes absolutely no sense! The IRS sent out lien release letters directly to each of the respective county clerk offices and simultaneously sent me copies of such releases ( see attached ). Equifax is improperly reporting these liens as being satisfied/paid. Again, these liens never should have been assessed against me and the IRS confirmed this. Equifax should completely remove these XXXX derogatory and improper public records from my credit report. 

Thank you in advance for any assistance you can provide in helping to rectify this situation. Sincerely ... XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a letter from Ditech my mortgage company stating that I am eligible to receive an additional pay for performance incentive in the amount of $ XXXXThis is under the guidelines of the Home Affordable Modification Program that is tied to Dodd-Frank. I had to send in a Certification form. I did so on XX/XX/XXXX via fax.See attached documentations. Shortly there after I called to verify that they had received my documentation and was told it had to be processed.On XX/XX/XXXXI was told that everything was in order but it could take up to a year to complete. On XX/XX/XXXX and XX/XX/XXXX I was told a similar story and the last time they had no record and had little information about the program. I was sent to a different extension were I got a voice mail to leave a message with my information and I would receive a call back which never happened. I this point I am tired of the runaround by this large bank and seek your help. A gravely similar and much worse process took place during my loan modification which resulted in a {$20000.00} impact on my mortgage. Please Help, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NY
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, Account # XXXX, account # XXXX, 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.

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 2016-11-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I previously disputed an item appearing on my credit report as identity theft. Experian has not gone through the proper steps of validating the alleged debt. I have been a victim of identity theft and this account is not mine. I have previously provided a police report and have attached it again. I have also attached an identity theft affidavit. 

The disputed account is : XXXX XXXX - Acct # XXXX .... 

I have sent a previous complaint to you from CFPB, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that this account is inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the item properly. My previous letter -- from CFPB -- stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX, TX for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 2 Capital One credit cards. I had 3 at one point, that were all used and paid on time. Earlier this year my card were restricted. I contacted Capital one numerous times only to be told that there was an investigation ongoing. After 2 months they eventually told me that the card was approved in error and it must be closed, but that I could keep the other 2 cards. Since that time I have continued to use those cards and pay on time and even received a credit limit increase. Today XX/XX/17 one of those cards was again restricted. I contacted Capital One again and after 2 hours was told my card was under investigation and that it may be closed but that I would have to wait days for an investigator to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America stated that it sent a response to my complaint XXXX directly to me on XXXX. As of today XXXX I have not received it. I only received Bank of America response to my other complaint with CFPB, but not to 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 2020-01-12
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info PO BOX XXXX XXXX, FL XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CXXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX   XXXX XXXX XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX  - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX   Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller  Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Check Cashing Service Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX All theses inquiries wasn't use with my consent I want them all removed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: NC
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 Account # XXXX, Account XXXX Account # XXXX, Account XXXX Account # XXXX, Account XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX Account # XXXX, Account XXXX XXXX XXXX XXXX Account # XXXX, Account XXXX & 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 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 2022-06-16
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:
When I went to check my credit report there's several hard inquiries that are not familiar to me and I didn't do.

Company response to consumer: Closed with explanation