BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-02
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX I was looking for a new car, I happened to find a brand new car out at XXXX XXXX XXXX in XXXX XXXX, Nevada. I purchased a XXXX XXXX XXXX XXXX brand knew. I was very happy my XXXX was the maker of the car Kia Motors Finace. Well XXXX, XXXX, XXXX a tragic event happened in my life and, our house caught fire. Evberything we had was lost encluding my brand new car that was in the gargage at the time of the fire. Our home was a two story home, so everything on the bottom story off the home was burnt encluding the gragagr as, thats where the fire took place it was a bad water heater, that exploded the landlord, never replaced the water heater the whole three years we lived there, and we were going to buy this home as, soon as, our lease was up. any how we have been trumatized we lost everything. All our things nothing was saveable. In the mean time I started the claim right away in fact Kia Motor finance started working with my Insurance XXXX right away cause I lost allo the paperwork in the house fire everyone was so helpful. I had full coverage Insurance Gap two extended warrantys on this car, we all agreed on this on a conference call if Kia Motors will look back at there calls. The loan was for XXXX at the time of the purchase that is what was financed to me in XX/XX/XXXX when the insurance and, gap plus the payments I made from XX/XX/XXXX IN THE AMOUNT OF XXXX you would think the car would be paid in clear,, nope I get a statement in the mail stating I owe Kia Motors Finance XXXX then the lady I spoke to was lieing about me having any warrantys cause at this point I told her why werent the warrantys appied there should be a credit balance thats what I was told when I spoke to Kia Motor Finance in XXXX on the XXXX, XXXX when we had a three way with my insurance. She told me owe sorry I found them but, you got to cancel them I canceled them when the fire happened back in XXXX when I filed a claim with everyone, I told the dealer to cancel them when I replaced the car after the fire. This car should actully be paid off without the warrantys even being applied. GREEDY PEOPLE PERIOD -- -- -- -- -- why did Gap only pay XXXX when my car insurance paid above the acv value? XXXX I never missed one payment the time I had the car not one. I even always paid extra on some payments. I just lost everything my home everything I own I have exhusted my accounts, to try and, live I live in a one bedroon right now with maybe a weeks worth of outfits, and underwhere but, you want XXXX, XXXX when I had two warrantys that were for XXXX and, XXXX that where never even used, and I only had the car not even 9 months with less then XXXX miles on it at the time of loss. This is insane that car is paid it was paid before you even got the warranty money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I need the items to be removed ASAP for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$590.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$530.00} XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$630.00} XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$590.00} XXXX XXXX XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Balance {$530.00} XXXX XXXX XXXXXXXX Balance {$110.00} XXXX XXXX XXXXXXXX Balance {$0.00} XXXXXXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$630.00} XXXX XXXX XXXX XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX  I Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2016-11-15
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I am a homeowner who had a fire on XX/XX/2016, complete rebuilding of my home, XXXX XXXX held my money, then later sold it to Nation Star Mortgage out of XXXX, we had an inspection 5 weeks ago and they will still NOT release our money to keep building. I am from XXXX and the weather conditions in the northeast could really hurt us if we do not get this finished, we were written up at that time being XXXX % done and we gave Nation Star everything they have asked EXCEPT the contractor 's license because in the state of Massachusetts the homeowner can be the contractor and sub contract everything out, they said flat out they will NOT release my money to me unless we hire a licensed contractor. In my opinion, this fraud, extortion, they have no right to hold MY money. They said it was their policy but they had no proof to show us, even if it was their policy the XXXX law states we do not need a license. XXXX who had our original mortgage when the house burned, had no problem releasing money to us. I do n't know how Nation Star can get away with this ... .we have lost time from work my husband put his job on hold to get this house done before the cold weather comes and NOW we have these people just hold our money just because they want to .... we are at our wits end and do n't know where to turn, please help. I have had XXXX since the fire, my husband probably will not have a job to go back to because we are now 8 weeks behind schedule and my children have been jeopardizing their jobs to try to call these people ( who customer service speaks hardly any English ) I have never been late for a mortgage payment. I have a high credit score and now they are forcing me to make bills that I should n't have to make now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX continues to report the wrong information on my credit report regarding a closed credit card account I had with the XXXX XXXX XXXX XXXX XXXX XXXX. Today, I received the results of my dispute to update this account. Account status is still being reported as a " charge off '', when the status should state " settled/settlement ''. I have attached a screenshot for review.

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 2022-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
My soon to be ex-wife who XXXX XXXX XXXX XXXX XXXX this year used my credit cards while I was in the hospital. We are presently awaiting court for her to be prosecuted. I paid off the account and asking Capital One to forgive me for all late payments that she did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: LEXISNEXIS
State: TX
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 to FCRA lexisnexis is breaking the law improperly misuse of credit report account # XXXX XXXX XXXX Bankruptcy Court. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Due to the financial effects of the XXXX pandemic in XXXX, I was could not continue making the lease payments and I voluntarily surrendered a XXXX XXXX  at the XXXX dealership where I acquired the vehicle. The vehicle was accepted by the dealership and proceeded to sell the vehicle. 
XXXX XXXX XXXX obtained a judgement against me on XX/XX/XXXX for {$13000.00} for what I believe to be the balance of the lease payments. 
XXXX XXXX XXXX has been reporting missed payments and increasing the balance due each month to the credit reporting agencies the entire time. 
This week on XX/XX/XXXX, my credit score suddenly dropped 45-65 points across all 3 credit bureaus despite the judgement being assigned by the court over 1 year ago.

My disputes with all 3 credit reporting agencies have not resolved the matter on my credit report and my credit scores remain 45-65 points lower than they were on XX/XX/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 2023-02-08
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
The following creditors with whom I have no open accounts or relationship with-obtained my information UNAUTHORIZED and WITHOUT MY CONSENT : Creditor Name Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2021-07-11
Company: SYNCHRONY FINANCIAL
State: KS
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 an XXXX mastercard account issued by Synchrony bank. It is linked to an old paypal account that is linked to an old address XXXX. I have been trying to get this linked to my new paypal account XXXX for the last year. Paypal tells me to contact Synchrony and Synchrony tells me to contact paypal. Today XX/XX/2021 I have spent over 2 1/2 hours calling and messaging with both paypal and Synchrony. Synchrony has now indicated that there is no way to unlink them. Despite the fact that I no longer have the email address used for the paypal account. I have spoken with supervisors at both paypal and Synchrony. I am now speaking with XXXX operator ID XXXX at Synchrony who has advised it can not be unlinked and that I can not close the paypal account and that there is no way to access the XXXX mastercard online but for an old paypal account. They have been absolutely unhelpful and unwilling to resolve the issue. This can not be the first time this issue has arisen. I have asked to speak with XXXX 's supervisor and have now been on hold for more than 15 minutes.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: MD
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:
XXXX  Acct # XXXX Inaccurate information on my credit report. 

by provisions of the Fair reporting act and per the standards of implemented with XXXX enacted XXXX XXXX XXXX XXXX XXXX, I demand that the above mentioned derogatoryitems be investigated and permanently remove from my report. It's my understand that you will recheck with the creditor who. has posted them. please remove the inaccurate information that the creditor can not verify. I understand under 15 USC Sec1681 ( a ) you must complete within 30 days. WHY is this creditor reporting 2 different dates of last activity two different dates of the account being opened two different dates being last reported INaccordance with FCRA SEC 611 I'm requesting this information be investigated for completeness and accuracy.

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 2023-02-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a Mortgage modification with Wells Fargo # XXXX and was approved. I made mortgage payments of XXXX each moth for over a year when I got approved sometime in XXXXXXXX XXXX They told me that once Obama left office the HAMP was no longer available and when Trump got into office and stopped taking my payments. Then they tried to foreclose again. 
When COVID came they assigned the mortgage over to XXXX XXXX servicing who then tried to foreclosure and would not approve me for a modification. XXXX loan # XXXX. 
My previous modification before they reneged on their modification was XXXX XXXX. XXXX started sending me notices for a mortgage of XXXX XXXX, but would not approve a modification or take payments. 
I make plenty of money and no one will approve me or take my money! All they want to do is foreclose on the property and take it since the housing prices in Florida went up. They want to sell it instead of letting me pay a mortgage and working something out. 
Something 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 2023-08-16
Company: Foris DAX, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX ) I have ice white staking at crypto.com that gives me free XXXX via rebate. I submitted my XXXX monthly payment but didnt receive any rebate. When I asked why I wasnt given rebate, crypto.com misled me by saying I am in a lower level of staking and not eligible for rebate ( please see below for more details ). 

Dear XXXX XXXX, Please note that as per the latest update you can find here https : XXXX existing Jade Green XXXX XXXX Indigo XXXX and XXXX XXXX Crypto.com  XXXX XXXX who XXXX their Card before XXXX XX/XX/XXXX, XXXX XXXX will enjoy the merchant rebate benefit ( XXXX ) ( XXXX, XXXX ) tied to their current Card tier for XXXX more months ( until XXXX XX/XX/XXXX, XXXX UTC ). Thereafter, cardholders will no longer receive XXXX  reimbursement ( XXXX ) when spending with these merchant ( XXXX ). They will instead receive up to 2 % back when spending with these merchants with their Crypto.com XXXX XXXX, depending on their card tier. However, in your case, this is not applicable due to the recent restriction on the Cashback rewards. 
I hope you find this information useful. 
Kind regards, The Crypto.com XXXX XXXX Crypto.com XXXX ) I used my crypto.com debit card when I checked in at XXXX XXXX on XX/XX/XXXX and was asked to leave a card on file. My debit card had a balance reduction of {$480.00}. Card activity shows pending but I have {$480.00} less in my account. Normally when I leave a card at hotel check in, it goes away a couple days after I check out. It has been XXXX weeks but crypto.com hasnt returned my money. It is like taking an interest free loan from me. I asked them and wasnt get any response a few times before finally they told me it may take up to 60 days to return my money. This is unacceptable to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX Balance XXXX XXXX {$940.00} XXXX XXXX XXXX XXXX Balance Owed : {$5400.00}

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-10
Company: NATIONSTAR MORTGAGE LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
The following is an addendum to the complaint I rendered on XX/XX/2016 pertaining to my loan modification with Nationstar : I neglected to mention that this loan was written under the auspices of the MAKING HOME AFFORDABLE PROGRAM via the U.S. government, which was designed to make mortgage payments more affordable for struggling homeowners. Nationstar arbitrarily increased our modified payment -- under the guise of re-paying an " escrow shortage '' ( that we knew nothing about ) pursuant to an " escrow analysis '' that Nationstar suspiciously conducted -- without our knowledge -- AFTER we signed the loan agreement for the moderately " more affordable '' modified payment. HOW IS NATIONSTAR COMPLYING WITHIN THE GUIDELINES -- AND ADHERING TO THE PURPOSE OF THE MAKING HOME AFFORDABLE PROGRAM WHEN THEY ARE INCREASING SET MODIFIED PAYMENTS- ( BEFORE THE PAYMENT IS DUE, AT THAT ) THEREBY PERPETUATING THEIR PRACTICE OF GAUGING AND BLEEDING THE CONSUMER OF FUNDS THAT THEY DO N'T HAVE? Nationstar 's actions pertaining to the underhanded increase of the modified contractual payment reek of XXXX -- and are against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
unauthorized credit inquiry from creditors has been reported by Transunion credit agency

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 2016-11-14
Company: NATIONSTAR MORTGAGE LLC
State: CT
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/2016, my mortgage was transfered from XXXX to Nationstar. XX/XX/2016, less than 30 days of taking ownership, Nationstar sent a notice of loan default. The XX/XX/XXXX payment was made to XXXX prior to receiving an account number from Nationstar. I have been receiving debt collection calls from Nationstar demanding a late fee as well as a payment that was made on time to XXXX.

Company response to consumer: Closed with explanation