BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: HYUNDAI CAPITAL AMERICA
State: VA
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:
ok i have this account number with HMF " XXXX " last year i moved from XXXX to XXXX  HMF sent the title from XXXX  to XXXX  to complete the state transfer at the DMV however the title got lost in the mail according to this tracking from XXXX XXXX since XX/XX/22 and nobody did his job by confirming if anybody received this title complete mess, couple of weeks ago i got letter from the XXXX in XXXX  saying that they put a hold on XXXX  title because they didn't receive XXXX  title, i called the customer service tons of times and i honestly felt like it was a mistake going with this institution i could've financed with my bank at least when i call the customer service i will find someone who speaks XXXX, majority of the agents i spoke to should be fired for not even understanding the language of the country they serve and the rest who speaks XXXX they gave me different story eveytime literally different story everytime i call " oh we sent it already and its on the mail '', " oh we escalated it to the title dept and you should hear within whatever '', " oh we sent a request to the XXXX to request a duplicate title '' XXXX XXXX XXXX XXXX XXXX without any resolution in the horizon This is my last resort before taking a legal action

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 2023-09-25
Company: OPTUM BANK, INC.
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXXXXXX  Optum Financial approved my medical claims and repayment was made to my FSA XXXX account ; however, Optum Financial has failed to update my balance to reflect these payments and continues to show the same negative balance, triggering collection efforts from my employer XXXX XXXX XXXX XXXX XXXX for {$480.00}. My repeated efforts to correct this problem have met with failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: LEXISNEXIS
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX, XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX, XXXX MI XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Below is the requested documentation for my personal identification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 
XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-04-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We entered a forbearance agreement as a result of lost employment because of the COVID-19 pandemic. We applied for a loan modification months ago. 60 days passed. We contacted Citizens and were told to not pay the mortgage while they had our application under review. Meanwhile, the loss prevention arm of the bank reported a missed payment to the credit agencies. We disputed. They denied the dispute.

We followed up again to inquire about the status of the loan modification. More than sixty days passed. They told us that our application had not been processed ; however, previously we were told to give them 60 days. 

We never received word about the loan modification. We submitted by email and via their online portal. We paid the mortgage. XXXX will be the third month since coming out of forbearance. 

We both are employed again and now we simply want to refinance to consolidate our loan to a 15 year mortgage, but we fear the late payment reporting will keep us from being able to achieve this goal. 

The communication from Citizens Bank has been extremely misleading. They have not communicated about our loan modification, even though they verbally promise that we will receive notification " within a week '' each time we call. 

We don't have a history of default prior to the pandemic. We feel as though their practices are dishonest and unethical. They refuse to listen to their own recorded calls, or follow their own policies. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Account - XXXX XXXX Bankruptcy number XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to my 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

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 2023-11-30
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
since XXXX since my credit protection benefits ended I've asked on a recorded call to have XXXX forms mailed to me house ( intially i asked for unemployment and changed to XXXX ) not only are they still mailing employment forms instead of XXXX they are mailing it to my XXXX XXXX XXXX of my house after requesting it be mailed to my house 5x!!!! all late fers needs to be waived and courtesy payments needs to be paid for the duration i didn't receive proper documentation asked for. and reported to bearus ACCURATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
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: Account information incorrect

Complaint:
There are hard inquiry on credit report i have not allowed : 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 2021-01-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Client was looking to do a loan modification. A company called XXXX XXXX XXXX contacted him. He sent approximately {$4100.00}. He reached out to his mortgage company and they said they were not familiar with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was applying for a bank loan and discovered that a credit card had been issued through Chase Bank ending in XXXX on XX/XX/XXXX using my social security number XXXX XXXX address, but the numerical portion of my street address is off by XXXX number ( the bank would not tell me the street address ). The card has a balance of {$4600.00} and the last payment was made in XX/XX/XXXX. I called Chase Bank and reported the fraud, asking that they cancel the card. I called all three credit reporting agencies reporting the fraud and placing a one year fraud alert. I want to find the neighbor who has done this, report them to the authorities and press charges. Most importantly I want to know that this person does not use my personal information for any additional fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: SUN WEST MORTGAGE COMPANY, INC.
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I contacted XXXX XXXX mortgage loan cordinator of XXXX XXXX who represented rhe lender Sun West Mortgage Inc. After prequalifying and going through the process up to the appraiser, is where things became very fuzzy with continued descrepancies from XXXX XXXX and appraiser. Appraiser claimed he couldn't find comps, when he did get them, he had issue with the business/residential ratio, fixed that, then estimator had issues with contractor 's bid saying it was too low. Had to trump it up to XXXX dollars more. Then the appraiser results finally came after refusal to complete the appraisal, some curiously long delays, dissapearances, and after reluctantly agreeing to complete the report. Finally his appraiser 's report came in 100, 000 plus dollars above the property value. Just about what they had me raise the contractor 's bid to. Then still trying to find a way to work it out, I called the lender 's agent XXXX XXXX, who delayed returning my call for days prior. And finally XXXX XXXX admits to me that his boss flat out didnt like the property and wasn't going to back it. Then weeks later I recieved a letter saying the loan was denied because I lacked collateral. Something that was never asked for in the transaction and never was in any document. The reason they said I didnt get the loan was simply not true. This out and out misinformation confirms what I already had come to believe. That I have been redlined by the mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, 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:
On XXXX XXXX XXXX  I contacted Equifax Consumer Reporting because I was unable to access my credit report online. Upon speaking with the agent and resetting my password I received an error message that requested I contact Equifax and provide them with the code XXXX. Equifax system shows that my entire credit report was blank with no information being reported. The agent informed me that due to technical issues she was unable to assist me and that she was sending my request for immediate support and the issue should be resolved in 30 min to 24 hours. To date, Im still unable to retrieve my report or score and its impacting my ability to qualify for a mortgage loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: Comerica
State: PR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have requested various transfers to my bank account and I have been declined the transfer ; as to their investigation my id were invalid ; therefore the transfers were declined. Starting on XX/XX/2023 until XX/XX/2023 ; I submitted seven transfers for {$200000.00} and all the transfers were declined. After many calls to Customer Service, I was told my ID Drivers License Real Id was invalid. That I needed a USA Id. On XX/XX/2023 ; Isent out an email with my Drivers Lic from PR, XXXX bank notification, voided check showing my owner holder of the account. on XX/XX/XXXX, the XXXX attempt I sent the documentation required. On XX/XX/2023, I sent the front and back of my Military retired ID, SS Card with my complete name, XXXX Consolidated Statement, Drivers LIc., and XXXX XXXX Account Verification . As of today, I have not been able to contact DirectExpress. XX/XX/2023 XXXXXXXX XXXX., I called XX/XX/XXXX ( 7 times ) XX/XX/XXXX ( XXXX times ). The automated system says to call at another time due to high heavy volume. I am pursuing with this complaint because I need someone to assist me and to provide information that is of value for all other disable veterans who might be facing similar situation receiving their money w/Direct express. How can you report a lost card if noone answers ; or address any issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-04
Company: Velocity Portfolio Group
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Velocity, CKS Prime stated while attempting to collect a debt, that it is not legal for them to remove a collection item from my credit report for 7 years, as it is proven differently on this very site. I request CKS Prime/Velocity, to provide me with all the assignment paperwork showing they held legal rights to any funds from me, and they failed to do that, and the case was closed. I still request in writing, good will deletion, or 30 days from the previous request for documentation that was not provided before the case was closed. I really don't want both myself, and CKS Prime to waste our resources over a couple of accounts already marked closed, but if that is the route CKS Prime/Velocity wishes to take, they may hear from me often.

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 2023-01-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused 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 2023-05-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I lost my debit card on XX/XX/26. I called capital one once I noticed amount of un regonized charges to dispute them in 24 hours they not only denied my disputes. Once I submitted the police report they then closed my account no one has reached out to me as stated in previous complaints. Now the account is overdrawn and my XXXX is stuck in savings and over XXXX in my money lost because capital one wants to give me an extermely hard time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. BLOCK AND REMOVE 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 non-monetary relief
Consumer complaint received 2019-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Creditor - Chase Card {$800.00} Amount - Unverified Date Disputed :XX/XX/XXXX Disputed Charges & Requested For VOD - Validation Of Debt *** NOT Validation*** Resolution : XX/XX/XXXX  Per XXXX : I Quote Account Was Charged OFF & Status Was Updated Inaccurate, Unverified Accounts Per FCRA Sec. 609, 611, 623 Using The XXXX XXXX is an automated & does not even begin to Constitute a reasonable investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-24
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
First, I was given a preauthorization letter so as to buy a house. Perfect. Oops ... ..we used the wrong numbers and now its flagged due to debt to income ratio. Ok, I will work with person number two who seems to have a handle on it. She sends it to person number three who asks for ridiculous things like a ten year old divorce decree but doesn't send me the form for the gift letter that I asked for weeks ago. Okay, this gets settled. Now someone will call me from the credit bureau so everyone can see that my credit cards are paid just as I said they were. No call. Now go to the bank and prove the investment money came from investments one and investment two and have the gift letter, which finally arrived, signed and accompanied by a bank statement. Went home, scanned, tried to send it. Portal isn't working. Called. " The notes say you agreed to withdraw the loan. '' " If I agreed to this then why am I trying to send you this information???? '' Hmmm ... ..we will see about reactivating it tomorrow. Meanwhile, here is another person 's email address. AAARRRGGGG!!!! Stay tuned for further developments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: First Technology Federal Credit Union
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/XXXX I placed a Membership Savings application with First Tech Federal credit union, bearing the Online Reference Number : XXXX. On XX/XX/XXXX I was asked for documents such as Driver License and Social Security Number and I provided all the needed documents. On XX/XX/XXXX I received an email from First Tech saying " Thank you for your recent share account application, XXXX. Unfortunately, we are unable to approve your request at this time for the following reason : We are unable to validate the information provided. '' I called First Tech on the phone and asked to know which information they were not able to validate, the representative said that he can not get this information and that I will get a callback from a representative. First Tech never called back. On XX/XX/XXXX I sent First Tech an email asking " XXXX you please tell me which information you were not able to validate, and which information should I provide again for you to be able to validate it. '' First Tech never replied.

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