BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Delays in the application process

Complaint:
I am XXXX XXXX XXXX  woman who applied for a home equity loan from Bank of America on XX/XX/XXXX. I faxed them my XXXX and XXXX tax returns as requested, and tried unsuccessfully to get in touch with them to obtain the status of my loan. I also sent my homeowners insurance. Almost six ( 6 ) weeks later, I was informed that I was missing pages of my tax returns as well as other documents. They also kept asking for additional documentation and stated that I needed to sign a document that they never provided me, despite my repeated requests. They asked for business tax returns which I informed them that I did not not have since I have never filed business returns. They asked for profit and loss statements which I told them I have never prepared. I spoke to XXXX XXXX and told her that I was going to make a report to the federal government. Her tone became very hostile and she stated that I was going to do this after they trying to help me, and then stated I was on a recorded line. I repeatedly ask that a determination be made on documents that were submitted. I sent an email hat I would be making a report to CFPB and half an hour later XXXX XXXX, emailed me that my account was closed because it was incomplete. I was also dealing with XXXX XXXX, XXXX XXXX. XXXX lied and sayid they spoke to me when my phone record showed the " call '' lasted for a minute. I was not available to speak. 
It is my firm belief that Bank of America is doing this to frustrate customers and to deny home equity loans..

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 2024-02-06
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested the debt collector to provide the information so that I can qualify of this debt is valid or invalid. They did not answer my original request and continue reporting on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03
Company: DIGITAL FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
To Whom It May Concern, I am writing to lodge a formal complaint against Digital Federal Credit Union ( DCU ) concerning an issue that has not only caused me significant inconvenience but has also led to a misleading representation of my financial standing with the institution. On XX/XX/year>, I discovered that my account had been locked, preventing me from accessing my online banking, following a single missed payment. This action taken by DCU was not only drastic but also lacked the provision of adequate resources or options to regain access to my account. 

Furthermore, upon contacting DCU to address this issue, I was informed that my account was reported as being 59 days past due. This information is factually incorrect and grossly exaggerated, as the actual duration past the due date for my payment was merely 10 days at the time my account was locked. This misrepresentation has caused undue stress and potential harm to my credit reputation, as it inaccurately reflects my financial behavior and reliability. 

The lack of communication and support from DCU in this matter has been deeply troubling. Not only was I not provided with any prior warning that my account would be locked due to a single missed payment, but the subsequent inability to access my own financial information or make immediate rectifications has placed me in a precarious financial situation. 

This situation raises serious concerns regarding DCUs practices in handling account delinquencies and customer communications. It is imperative that financial institutions operate with transparency, accuracy, and fairness, especially in matters that can significantly impact a customers financial health and access to their own money. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Membership number : 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 2024-01-18
Company: Skopos Financial, LLC
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
I opened two loans ( in short period of time ) with XXXX XXXX. The First loan was on XX/XX/XXXX in the amount of {$10000.00}. Loan # XXXX then a second loan on XX/XX/XXXX in the amount of {$13000.00} ( loan # XXXX ). They ONLY deposited {$2600.00} into my bank account on XX/XX/XXXX because I was paying off the first loan. And receiving the difference. 

Well - I keep receiving notices of LATE payment on loan # XXXX. I talked with XXXX ( ID XXXX ) as well as her manager, XXXX on XXXX  and they both reassured me that the first loan was indeed PAID OFF so no payment is due/overdue. As of XX/XX/XXXX it still shows on my credit report that TWO loans are Open. I again called on XXXX and requested a PAY OFF letter proving that the first loan is PAID OFF. Today, instead of receiving the requested document, I received another LATE Payment Email ( attached ).

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 2024-02-02
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting My payment history to be deleted from all 3 credit XXXX, XXXX and XXXX. I Have explained truly and detailed that i was going through financial hardship during the month XXXX  2023.  I Lost my Dearest grandmother during that month. I was out of the country, Going thru grieving and out of my 3 year lease term I have never once missed a 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 2024-02-05
Company: Support Collectors, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX ; XXXX, XXXX XXXX ; XXXX, XXXX ; XXXX, XXXX is knowingly and willingly committed aggravated identity theft and these individuals have stolen my identity to fraudulently establish accounts and then sell those accounts to Debt Collector : SUMMIT ACCOUNT RESOLUTION WHO HAS TARNISHED MY PERFECT CREDIT SCORE OF XXXX BY A XXXX DEDUCTION now XXXX FROM XXXX. I have never done business with XXXX, XXXX who is fraudulently claiming to be an original creditor. These entities and individuals are stealing my identity to fraudulently create a {$300.00} debt that has damaged my credit and caused me commercial injury and harm. I am filing a federal criminal complaint as well as a federal civil complaint against ALL of the individual 's names above. These companies XXXX, XXXX, AND SUMMIT ACCOUNT RESOLUTION are committing FRAUD and aggravated identity theft as well as conspiracy. I have prepared and will file a Federal Criminal Complaint against all executives of XXXX, XXXX for Conspiracy, Identity Theft and Fraud. I will also be filing a Federal Civil Complaint. I have filed complaints with the FTC and received an Identity Theft Report. I have also filed an Identity Theft Affidavit with the IRS. I will also be filing a criminal complaint with th Sherrif Office where XXXX, XXXX is located in XXXX Florida as well as where SUMMIT ACCOUNT RESOLUTION is located in Minnesota.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX reported an inaccurate late payment on XX/XX/XXXX to the credit bureaus which made my XXXX XXXX drop XXXX points. I have been enrolled in graduate school since XX/XX/XXXX at XXXX XXXX XXXXXXXX. XXXX submitted deferment papers verifying that I am enrolled in school. I contacted XXXX to confirm that the deferment was recieved on XX/XX/XXXX and was told that it was recieved on time. I asked why did the report a late payment to the credit bureau and the lady I spoke with said that it was incorrect and that I must file a complaint. I made 2 attempts to speak with the office that handles credit complaints and the call was disconnected both times. I am very devasted by this injustice because I just fulfilled the requirements to be successfully discharged from a XXXX XXXX bankruptcy and am establishing my credit. This inaccurate reporting has hurt me significantly.

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 2024-01-09
Company: MIDFIRST BANK
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I did an application for mortgage assistance, that started in XXXX of XXXX I called and talked to someone in XXXX to see where we were at. I was told that my application was not complete. I asked what they needed and was told that on the borrower income I did not complete that form. I said I did not have any other income but our social security. She said I still needed to put XXXX in all the other aeras of income. So I printed that form and fax it in to them that day. I did not here from them so I called in a couple days and this lady told me I needed to complete another application and make sure I completed and mail in or fax to them. I printed another copy and finish it and I took it to a office depot and had it faxed to them. I went there because I would have a receipt that they got it. I waited for about XXXX days and called them and at first the employee told me my application was not complete. I told her that I had had faxed it and had receipt that they have it. In a few minutes she found it and told me it would take about 30 days to complete and they would let me know then. In XXXX my husband became very ill and we spend a lot of time in hospital and doctor offices. In XXXX he had XXXX XXXX to save his life. We also had our hot water heater go out and our fridge went out. With being on fixed income it is hard. I summited everything in writing of what we went through and even gave them copies of my husband medical records. As I have set and look over the non approval notice, they did not approve me and my husband because of a credit score. Yes my credit score has taken a hit, when you do not make your house payments it will tank your credit score. I have been in my home for 23 years and I am XXXX XXXX XXXX. Have I always had perfect credit no but what we have been through and I summited everything to them I feel like we were not treated fairly. If you can help I thank you and if you can't I understand. I am trying to hold on to our home. Thank You I fog to say in XXXX that would not accept a payment from us it had to be all or nothing. Our payment are XXXX per month and in XXXX they had added a lawyer fee to us.

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 2024-01-20
Company: Americas Car-Mart, Inc.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Americas car mart continues to call more than 3 times a day, leaving multiple messages. Notes were given that I could not make it in due to work. And calls continue. 

The main collector at the XXXX location XXXX, is rude and spiteful, sometimes laughing at others misfortunes. She has repeatedly stated she does not care how many times she calls per day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the Experian and XXXX credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$420.00}.

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 2024-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not able to retrieve my credit report in any way. I have tried using AnnualCreditReport.com along with XXXX XXXX, and I continually receive one of the following errors : " A condition exists that prevents XXXX from being able to accept your request at this time. ", " Unable to Complete Your Request Online '', or " Please give us a call ''. 

Upon contacting the relevant credit reporting bureau, the support agent is never helpful and I am repeatedly informed that nothing can be done. 

This is simply unacceptable behavior and it needs to be rectified immediately.

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 2024-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2024-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting 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:
I am submitting this complaint to Transunion. 

If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, XXXX item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ... ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. The XXXX reporting agencies are also in violations of ... XXXX XXXX XXXX section XXXX A. States that I have the right to privacy XXXX XXXX XXXX Section XXXX A Section XXXX : XXXX a consumer reporting agency can not furnish a account without my written instructions. I also have a FTC report that was submitted to Transunion and clearly disregarded. 
Please remove XXXX ( XXXX ) - ( XXXX ) XXXX was removed and illegally place back on credit report XXXX OF XXXX ( XXXX ) - ( XXXX ) **** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Also, Transunion took more than 30 days to complete my investigation 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 2023-12-08
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to file a formal complaint against Missouri Higher Education Loan Authority ( MOHELA ) regarding their failure to update my student loan account status as " paid in full '' despite the full repayment of the loan. My loan account reference number is XXXX, and I am deeply concerned about the inaccurate reporting of my account status. 

I successfully completed the repayment of my student loan with Mohela on XX/XX/. I have attached a copy of the paid-in-full confirmation ( the 1099-C Copy B ) that I received from the IRS/Mohela, which clearly indicates the cancellation of the debt. Despite this, my account on their platform still reflects an outstanding balance and does not reflect the accurate " paid in full '' status. 

This discrepancy has serious consequences for me, as it affects my credit report and financial standing. I have diligently fulfilled my obligation to repay the loan, and I expect accurate and timely reporting from Mohela to the credit bureaus. The failure to update my account status has the potential to harm my credit score and financial reputation. 

I have attempted to resolve this matter with Mohela directly by contacting their customer service at XXXX but they act like they didn't know what I was talking about. However, my efforts have been unsuccessful, and the issue remains unresolved. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Mohela updates my account status to accurately reflect the paid-in-full status of my student loan. Additionally, I request that Mohela be held accountable for any potential harm caused to my credit score and financial standing due to their failure to report the accurate information. 

I appreciate your prompt attention to this matter and look forward to a resolution that ensures the accuracy of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25
Company: U.S. BANCORP
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
i had a previous complaint closed but the problem was not solved and the US BANK was not true.What should have a very simple intra bank transfer from my IRA account to my checking was 8 weeks of frustration. If the CFPB had not gotten involved i would be still trying to get my transfer done.The USBANK response was not true and problem is still not fixed.WHY would the bank be dishonest.This should not be possible but it is and this the reason for this complaint. Thank response was not factual.the response said a letter of XX/XX/XXXX was sent saying that my request was being returned because the birthday was either missing or wrong.NO letter was received and nothing could be returned because the request was made by .There was nothing to return .and the transfer was rejected because of an error in name address DOB or SS #. NOT true true. .t he request for transfer was correct.in respect to the bank response to the problem .They backdated the to XXXX. I don't think this was legal.There was active claim in XXXX nor was there constructive receipt in XXXX. After all this the problem is not solved and could have a TAX problem.I think i understand what is wrong at the bank and i am also know that there are others with this issue..USBANK MUST FIX THE PROBLEM. If not the customers will be able access there and they to will have tax problems and lots of misery.The bank employees made misstatements so they could move the problem somewhere else because they couldn't fix it.

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 2024-01-23
Company: CITIBANK, N.A.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXXXXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error

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