BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-24
Company: HYUNDAI CAPITAL AMERICA
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I purchased a car in 2021 from Hyundai and too find out later I was basically scam by the dealership and was paying interest only on the car while my credit was XXXX and the con me and was also reporting to the credit bureau false information. Found out later on the news all the cars that were bought during that time was reported false information on people credit and also gave bad loans. So the car I bought was XXXX when it was supposed to be XXXX. On top of that due to the stress I had all the banks deny me from their in house lending to the point solicitors kept calling my phone and I ended up with another auto lending named auto approved and they basically find bank who can finance and take over the loan with a lower interest and rate and they screwed me over and bought the car but raised my payments from XXXX to XXXX and it kept switching and onto of that lied to me about refinancing saying I had to wait a year when it was not true and because of that Im in default and can recover financially.

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 2017-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On  XXXX   XXXX ,  XXXX , my wife and I closed on a property purchased, with a mortgage approved by  Citizens  Bank. Up to that date, there was a line item of " adjustments and other credits '' of {$2500.00} for numerous documents we received from the bank since last  XXXX . On  XXXX   XXXX , I noticed the {$2500.00} credit was removed, and I had to pay @ the closing the additional {$2500.00}. When I spoke to the representative that day who had worked with me since the application was submitted, he told me if I did n't pay the additional {$2500.00}, the loan could not be closed, and a new application would have to be submitted.     On numerous dates following  XXXX   XXXX , I submitted documentation to Citizens and they never provided a satisfactory explanation of why I would not receive the credit adjustment. I was told such things " We thought you provided the seller {$2500.00} as a down payment '', " there was no record of a deposit made of {$2500.00} prior to the closing ''.   The  Citizens  Bank mortgage representative knew there was never a deposit since we provided routinely all deposits made which were earmarked for the closing.     I faxed documents to Citizens Bank in  XXXX   XXXX , and again in  XXXX ,  XXXX  Finally, another Citizens representative, who told me to fax all documents for their review, left me a voice mail on  XXXX   XXXX ,  XXXX  in response to my fax on  XXXX   XXXX ,  XXXX  @ my office saying that she was referring my complaint to the office of the Chairman, and I 'd receive a response with in 3  business days. I never did receive such a response.     I am attaching documentation, sent previously to Citizens Bank which supports the costs and credits represented.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
On  XXXX   XXXX ,  2017  our credit union sent a payment t o Capital one   XXXX .  XXXX   XXXX   XXXX , NC  XXXX . The amount was  XXXX . That check was lost. We attempted to have the company find the check with no resolution so we had the credit union issue a second check, same amount this was sent   XXXX   XXXX   to obtain a signature. That was received and signed for but the check was never applied and we can only assume it was lost? The company has done nothing to remedy this situation and is threatening to report the late payment to the credit bureau which will affect our score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: IN
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 have been sending documents into the credit reporting agencies to remove accounts that have come on my credit report due to fraud and identity theft. I have followed the FCRA. These documents are not being attached and sent to remove these accounts. 

The accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX I am not getting copies of the verification process from the credit agencies per the FCRA. This is a clear violation of the law.

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 2022-12-14
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I'm having a problem with my loan servicer Mr Cooper 's mortgage company formerly known as nationstar mortgage. They have been reporting inaccurate information on my credit report which I have contacted them about and disputed, but they refuse to correct the information reported. 
For example they're showing my account as being 30 days late when I have not missed a payment, they're also showing my account as being currently in loan modification status when it's not. I would greatly appreciate your help to mediate the solution with my loan servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Aspen National Financial, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My wife and I are attempting to purchase a home. During the pre-qualification process in early   XXXX  2017   , we were notified on a collection on my  XXXX  credit report. I contact  XXXX  and initiated a dispute as well as contacting the collection agency  (  Aspen National Collections ). I was informed the process would take 30 days. I contacted the collection again in early   XXXX    2017  and was told the debt was discharged and my credit report would be cleared by  XXXX   XXXX  on   XXXX   XXXX  2017   . I contacted Aspen National Collections again on    XX/XX/XXXX    and was told by  XXXX   XXXX  that the debt was still owed. No one will send me any paperwork on the debt as to why, how or when it was incurred. After contacting the original creditor (   XXXX   XXXX     ), I have discovered this debt belonged to my deceased mother,   XXXX   XXXX   It was for maintenance fees on a time share she had once owned. I never agreed to any purchase by   XXXX   XXXX   for any time share. I need to get this issue revolved as to not affect the purchase of our new home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-24
Company: Experian Information Solutions 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:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for fraud. I have tried numerous times to have this situation resolved with no resolutions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 explanation
Consumer complaint received 2017-05-10
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This creditor shows up as original creditor being owed on all  XXXX  of my credit reporting when it was sold to collection agency. They can no longer report this debt as theirs and the company will not remove from my reporting. I 've worked with them through all  XXXX  credit agencies and they will acknowledge this debt as paid in collections. Please help 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 2017-05-10
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to get a loan modification for my property since  XXXX  of last year every time I submit the documentation they require I 'm always told it is missing something I have submitted bank statements resubmitted letters resubmitted application forms on a timely basis I resubmitted bank statements that were missing page number  XXXX  from my  XXXX   XXXX  and  XXXX   XXXX  bank statements only to be told they still have n't received them. This is getting to be a regular habit with them my  XXXX    XXXX   case manager has helped me through this process and has all the documentation that she has submitted on my behalf with my permission the representative of the bank I spoke with stay that she 's still missing complete I 'm difficult to believe because they were submitted in a timely basis I am running into obstacles on a consistent basis I need help if I become homeless I 'll be in  the street this is serious I have nowhere to go and there are no homeless shelters ava ilable I 've checked thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
On  XXXX / XXXX /  XXXX   I received a call from a supposed company called "   XXXX   ''. Not only did the lady call my phone, she also called my parents house looking for me. She called my mo, first and told my mom that this coming Friday she was either coming to my residence or my job with " papers '' for me to sign and if I did n't sign them then I would be going to court. After she called my mom, she called my phone and told me that if I did n't call this number  XXXX   XXXX   XXXX   XXXX  that she would be coming to my home or my job. I called the number and mentioned the file number she gave me which was  XXXX  and spoke with a  XXXX .  XXXX  said she worked for   XXXX   XXXX   which was a pre legal service/attorney office. She said she was representing  checksmart  and that I owed  XXXX . I asked them what kind of company this was and she said a legal company representing checksmart. This company called my elderly parents issuing threats against me to " subpeona '' me to court which upset my parents. This is totally wrong and unlawful

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: Freedom Mortgage Company
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Reference prior Case Number  XXXX  Submitted  XXXX   XXXX   Freedom  Mortgage Responded  XXXX   XXXX ,  XXXX  Freedom Mortgage admitted its error. Submitted information to the credit reporting bureaus in an attempt to undo the damage that it had done. Refunded the wrongfully collected late charges and claimed to have corrected the error, which began in  XXXX   XXXX .     Here we are, nearly a year later. The error that was supposed to be corrected is n't. Freedom mortgage continues to charge me late fees, report false and defamatory information regarding my credit to the bureaus, and CONSTANTLY CALLS ME with people who have no clue what 's going on and want to start the conversation at squar e one . I will be filing a lawsuit.

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 2022-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX Im emailing you regarding a XXXX XXXX dollar compensation that bank of America was supposed to sent me For a fraud back in XXXX through XXXX, I was unsuccessful and I was avail to get some help with a lawyer unfortunately lawyer was XXXX to get the money but bank of America was not willing to accept the refund so were emailing you to know the next steps from here, I have the date of an appointment I had with a banker showing the money was accepted but no money yet.

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 2023-08-24
Company: Experian Information Solutions Inc.
State: NJ
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:
for the company to do what is fair and equitable to me as a consumer by removing and deleting items identified as identity theft accounts to be removed : XXXX XXXX DEPT OFEDUCATION/XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX inquiries to be removed : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In  XXXX   XXXX  I applied and was approved for a  XXXX   XXXX   MasterCard Credit Card Account administered by Barclays Bank Delaware ( Barclaycard ).  I was charged and paid a {$99.00} annual fee for the card and its benefits which include a 50 % savings on inflight purchases. Those savings are described in the  Business Card Agreement as : " Cardmembers in good standing will qualify for a 50 % savings on eligible inflight purchases. Eligible purchases include the in flight purchase of cocktails, beer, wine, meals, and  XXXX  movies ( not  XXXX  ) on  XXXX -operated flights when purchased on their Account. Savings do not apply to any other inflight purchases, such as wireless internet access, or duty free. This offer is available on eligible flights as long as supplies last. This savings will appear as an Account statement cred it 4-6 wee ks after the transaction is posted to the cardmember 's Account. '' [ sic ] My account is in good standing ( I do not carry a balance but instead pay my bill in full every month ).     I made two qualifying onboard purchases with this card. Those purchases appear on the statement that closed on  XXXX   XXXX ,  XXXX , with the description "  XXXX  BUY ON BOARD. '' Those purchases were billed in full and no credit was provided. I paid the bill in full.     More th an 6 weeks have passed since those transactions were posted to my account and I still have  not received a statement credit.     I have attempted to resolve this issue within the  XXXX   Business Card cu stomer service system on numerous occasions. I have called the number on the back of my card and sent many messages through the cardmember website. I have not received either a resolution or an explanation. The telephone customer service representatives are unable to explain why I have not received the statement credit, and the only response I receive to the online messages is to call the customer service representatives.

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 2021-06-13
Company: Financial Data Systems
State: MS
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:
Though XXXX XXXX, I was notified of 2 collection accounts that was reporting on all 3 bureaus. I also confirmed this through phone communication with them. I then submitted my dispute by mail. I then received one letter from XXXX XXXX which I included in this complaint. I followed up with the bureaus on the XXXX with a letter stating that they have not complied with the law by not communicating with me the results of the investigations that they are compelled to do with 30 days. 

Financial Data Systems has not provided any information or proof that this debt is mine. 

These collectors has not provided any information to me as proof that this debt is mine, yet continues to report this information to the bureaus. I have asked for the information in these communications that I will upload. They also did not respond in a timely manner or ignored my requests outright. I am submitting this on my own behalf. I have no other authorized third party.

These collectors did not provide HIPAA release to be able to collect on this debt. They did not provide any information to me asking for validation of within 5 days after intial communication per 15 United States Code 1692g ( a ). Failed to provide proper verification. Communication with bureaus violating my right to privacy providing them with false reporting. Under 15 United States Code 1681n ( a ) ( 1 ) these violations have caused damages to my personal credit due to false, misleading, unverified, and unvalidated information.

15 United States Code 1681a ( 3 ) ( A ) and ( B ) restricts sharing medical information and services such as listed as " Emergency Dept Visit ''.

No response when asked to provide signed contracts as well as no response within 30 days of dispute. Under 15 United States Code 1681c ( C ) ( 1 ) this debt has passed 180 days and should no longer be on a consumer report.

I still have not recieved a credit report with updated information from these agencies, nor mention that this disputes is or even will be listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Resurgent Capital Services L.P.
State: NY
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:
Reported identity theft for this account, they told me I wasn't liable to pay it. then they took the collection off of my credit report only to put it back on there a month later.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
This is the second time Truist has bought insurance with our escrow account money even though we have sent our insurance confirmation MANY MANY times. They sent a letter a few weeks ago requesting proof of insurance. We uploaded the proof of insurance ( to their portal ) and got a notice that it was not " accepted '' -- so I called and spoke to someone who said I was using the wrong term in the subject line of the email. So I sent the information AGAIN and AGAIN received a notification that the proof of insurance was not accepted. I called again and the person told me that because my condo association purchases the insurance, it was confusing the system, and that he would find my submission and manually put it through. Next thing - I get a letter saying Truist has purchased insurance ( {$830.00} ) using money from my escrow account. What is especially frustrating is that this EXACT thing happened last year and Truist did not remedy until I wrote to CFPB - then they corrected it and refunded my money. Do I have to go through this every year?? Our mortgage was with XXXX XXXX and XXXX XXXX XXXX  for many years and I never had this issue with them. Is it possible for me to move to a new mortgage servicer? It is very frustrating because they have access to my money and do not seek permission from me before withdrawing from my escrow.

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 2017-05-10
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I was served a lawsuit from  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Georgia  XXXX  ) on  XXXX / XXXX /  XXXX  . The lawsuit was filed on  XXXX / XXXX /  XXXX  . I am being sued on behalf of  Midland Funding, LLC  for  XXXX  Bank in the amount {$1700.00}. I was never notified of a lawsuit being filed and I never received any communication from this Law Firm,  XXXX   XXXX   XXXX , LLP. This account was disputed directly with the  Original Creditor, and Midland Credit Management. Which I am not sure is even the same company as Midland Funding. I have never been contacted by Midland Funding.

Company response to consumer: Closed with explanation