BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After 3 complaints about not receiving a correct payment history almost 3 months after requesting it at the end of a loan, I saw that KiaMotorFinance attached it to their response on the CFPB complaint. It is correct. I am attaching documents ( emails ) from Kia. I do not know if I have paid the correct amount or not. This morning I paid XXXX, more than the indicated amount on the payment history you published as their response. It was in an email sent on XX/XX/XXXX and due XX/XX/XXXX ( see attached ). They say I owe more ( see attached ). I have received no documents stating why I owe more than the XXXX on the payment history, but I paid what the bill said when I verified the payment history I saw published was correct. I asked for this in XX/XX/XXXX when I finally paid the unusual double bill I had been receiving and it said no other ( regular ) payment was necessary. Please examine all three attached documents to see why I am confused. None of the amounts match. I want this over. I want my title, and I want all dealerships to remove me from their mailing lists. Multiple dealerships are sending me emails to get me to come in and buy a new Kia After this horrible experiece, I will never buy a XXXX   car again, and I love my XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CITIBANK, N.A.
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:
I have been a victim of identity theft. I filed a police report and the police have charged the lady that was making fraudulent accounts in my name. This is not my Macy 's account. It is part of my identity theft claim. Please remove from my account.

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 2018-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and TransUnion, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.

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 2019-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I have been trying to buy a used car from different dealers. They submitted the info to places they deal with for the loan. ALL of the places denied the loan. My credit numbers are as follows - XXXX XXXX - XXXX, XXXX XXXX, TransUnion XXXX XXXX, XXXX  - XXXX, XXXX - XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  - XXXX. 
There is something very wrong here. The numbers make NO sense, I don't know how or who arrived at these figures or how to fix what is wrong since I don't know where the problem actually is. I have been unable to work because I need a car to get to customers which I am unable to buy one. I am just about out of money and without a car I cant earn any.

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 2021-04-02
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
FDCPA states that a debt is owed when the consumer validates the debt and the steps of validation can be found in 15 USC 1692g with which Commonwealth Financial has violated making the claims fraudulent. They are also violating 15 USC 1692a which states a debt collector can not invaded a consumer 's privacy and HIPPA law and recent updates to the FCRA also emphasis this privacy notion. I had called the company about this account and I was on hold for over an hour to just have the automation hang up the phone. I, the consumer, demand for the account to be closed and removed from my credit report so it is no longer reporting negatively on my credit report and to receive compensation for the violated rights and the amount for the penalties is explained under 15 USC 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received a letter from Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX, OH XXXX ) dated XX/XX/2021. The letter informed me that " as of XX/XX/2021, your XXXX Visa Credit Card account was closed due to previous negative experience with Comenity or Comenity Capital Bank. 

I've made payments timely payments, contacted the credit card company to inform them when I was having difficulty over the course of the pandemic and paid when whenever promised. I spoke with a representative today XXXX XX/XX/2021 ) after reviewing this letter and was told that due to my " negative credit history '', the card issuer decided to close my account even though I've been making regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: First Data Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TeleCheck, one of the largest national databases of NSF has no way to dispute an inaccurate report! You must go through the Collection Agency to resolve. I never wrote a check to XXXX XXXX, no idea where one is located. No notice from TeleCheck other than a reference from a collection agency and a statement it will take a minimum of 30 days to investigate. How can Telecheck retain consumer information without a process to correct erroneous reporting ... I can not believe this is tolerated. 
Ref 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 2017-12-09
Company: EQUIFAX, INC.
State: CA
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:
when I took look at my credit report I notice some Hard Inquiry that I know I did not give permission to run. I look at all of the majors credit agency each one is showing something different. with these hard inquiry cause my credit score to drop. I would like these hard inquiry to be correct and remove. from all three credit agency. 

This is list of all the Hard inquiry. 
XXXX. XXXX XXXX XXXXXXXX DATE : XX/XX/XXXX 2. XXXX XXXX -- -- -- DATE XX/XX/XXXX 3.XXXX XXXX XXXX -- -- -- - DATE .... XX/XX/XXXX 4.XXXX XXXX XXXX. -- XXXX DATE XX/XX/XXXX 5.XXXX XXXX XXXX  DATE XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: SYNCHRONY FINANCIAL
State: NC
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:
On XX/XX/2021 I received a alert that my credit score had droped. When I go in to check my rooms to go account states that Im 60 days past due. I call to see what is going on since XXXX is stated as a missed payment and tell them that the information is incorrect due to my payment being taken out successfully on autopay. They also try to argue that the XXXX payment were rejected due to insufficient funds but I clearly with them that the payments were supposed to be removed from my XXXX XXXX  XXXX account and that I made the phone with a agent not online. I spoke to. Two representatives that were very rude and did not try to listen to my concerns and rudely hung up. They can not report a account past due when payment were taken out on autopay.

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 2020-06-05
Company: Experian Information Solutions Inc.
State: NY
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

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 2018-09-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear CFPB, it is not over 90 days asking my mortgage company help to avoid foreclosure and all they keep doing is requesting for the same documents over and over again. it got to a point where I'm faxing the same documents every week to them. 

i am now in foreclosure with a sale date and CARRINGTON MORTGAGE - Loan Servicing / Supervisor XXXX id # XXXX refuses to help me because she said due to my background the investor of this loan refuses to help me avoid foreclosure. 
Therefore it is not on their best interest to help me. 

i asked for her manager and she keeps telling me they all are on vacation and they will come back until the end of the year. 

Please help me since all im asking is help to avoid foreclosure and save my home. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-10
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a Charged Off loan with Navy Federal and was able to settle this debt in XX/XX/XXXX. The amount was settled for less and was agreed to the {$2400.00}.

I have a written agreement from Navy Federal that I have satisfied my debt on this loan and there would be no further action needed on my part. I have contacted XXXX on this matter and there's no resolution and made me go to creditor. I have also called them and they insisted that I " wanted to pay '' the debt, when in reality I wanted to inquire about re-establishing an account, not opening an old debt. 

I received a FICO notification XX/XX/XXXX saying that I owe in the amount of {$4500.00}. They re-opened this charge off that was settled because I Inquired about " re-establishing '' my membership with them. This is now on " bad collection debt '' and has severely affected my credit profile. 

I no longer owe this debt due to settlement and needs to be deleted all together as it has affected my other creditors relationship and are threatened with closure.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-02
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 had sent in a check in regards to a payment towards my Cabelas credit. I sent In a check as a payment method. I then recently found out short afterward the payment was not received. As you can see I am a honest loyal person I pay my credit card on time. I am currently trying to buy a house but this is reflecting my credit. I am asking for this error to be fixed in the system and not reflect as non paid. I would greatly sincerely appreciate it and help me buy my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Experian Information Solutions Inc.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible. XXXX {$500.00} XXXX {$410.00} XXXX {$590.00} XXXX {$240.00} XXXX {$970.00} XXXX {$970.00} XXXX {$330.00} XXXX {$1400.00} XXXX {$43000.00} XXXX {$22000.00} XXXX {$780.00} XXXX {$1700.00} XXXX {$850.00}

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 2018-06-22
Company: Colony Brands, Inc.
State: PA
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:
U have 2 hard inquiries on my credit in I don't know how I pay my bills in never been late

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: EQUIFAX, INC.
State: PA
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:
I have made several attempts to dispute inaccurate information, as permitted under FCRA ( sect 611 ) regarding XXXX XXXX # XXXX with this CRA, Equifax, because the information reported on my credit file is inaccurate. Equifax has responded on a number of occasions that " we have verified that this item has been reported correctly ''. 

I have repeatedly demonstrated to the CRA that the information is not only inaccurate, but inconsistent. For example, Equifax is reporting a date of first delinquency before the " assigned date ''. It is reporting this delinquency for an entity ( XXXX XXXX ) whom I have never had a contractual relationship with that would create such a delinquency. 

Under FCRA, section 611, in previous disputes, I asked Equifax to provide verification, update or remove the account. Equifax has stated that what is inaccurate - is accurate which is a violation. Specifically, they are reporting that I have a date of first delinquency of XX/XX/2019 with XXXX XXXX even though I have never had a relationship with them. 

I have repeatedly asked Equifax to delete this item from my credit file on the grounds that there is unverifiable information, and this action is required by Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no knowledge of this debt I have disputed and asked for validation on this debt and nothing was received from this debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was behind on my mortgage and was approved for a forbearance. but i was told that my negotiator would call me or my authorized hud counselor. i reached out to XXXX XXXX and so did the hud office helping and she has not responded. i was told i could make my mortgage payment in XXXX but how can that be if i have a foreclosure sale XX/XX/21 please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. BANK OF AMERICA Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2018-02-02
Company: DISCOVER BANK
State: NY
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:
XX/XX/2017 I am being hit with a hard inquiry from Discover Card. 
This was fraud as I did not apply for another Discover Card as I already have an account. 
I was told this inquiry would be removed and still hasn't since It was fraud of someone trying to open an account in my name. 
XXXX and XXXX were also gon na remove it but still have yet to do so.

Company response to consumer: Closed with explanation