BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-13
Company: Waypoint Resource Group, LLC
State: CO
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:
I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : Waypoint Resource Group : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : XXXX XXXX XXXX : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX XXXX XXXX is being reported on my XXXX, XXXX, and Equifax credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
I paid my loan off in XX/XX/2020. After several phone calls I have not been able to receive my title and can not register my car. The finance company said that they sent my title to the wrong address but would send a notorized paper to my correct address so that I could file for lost title. They have not done so. I have called them 5 times and only the last time was given any sense that the person on the line was going to help me. Each time they said that they sent the document, but I have not received it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have reached out to the debt collection company and the Credit Bureaus in reference to this matter. I believe they are both in violation of the ( FCRA ) Fair Credit Reporting Act. Debt collection agencies are not the original debt holders. Also there is a violation of HIPPA laws as it relates to a medical/surgical procedure bill. I have requested proof of the ( date of service/debt ) I was informed by this particular debt collection agency that they don't have the information. How can they allow this to be put on my report without providing proof of the debt. Again it shows a surgical center. This is medically related. Therefore any debt collection agency obviously isn't the original company who holds the debt. More importantly they claim they can't provide proof of the debt ; per my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: EQUIFAX, INC.
State: LA
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:
We have been attempting to resolve a dispute with XXXX over the inaccuracy of their reporting of payments on our credit report. Their inaccurate reporting is impeding the process of us obtaining financing on a new mortgage for a home that will better meet my wifes needs asshe has become XXXX. Our repeated attempts to resolve this have gone unanswered and we are now in a difficult position. The transaction history provided by XXXX clearly shows that the payments were inaccurately applied, however, they refuse to correct the reporting to the credit reporting agencies. Please help us get this matter corrected on my credit report so that we can proceed with purchasing the home that will better meet my wifes needs. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$140000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: W&A Intermediate Co., LLC
State: CO
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:
I received a collection notice, sent a request for validation on XX/XX/. They received it on the XXXX XXXX XXXX. I have acquired additional fees according to my credit report since then. Pursuant to FDCP Act, 15 USC 1692g they were supposed to cease any and all collection activities during the 30 day investigation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Santander Consumer USA Holdings 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: Account status incorrect

Complaint:
I obtained a loan for a new car in XX/XX/XXXX. I strongly believe this was a predatory/subprime loan. I defaulted in XX/XX/XXXX. During a collection call in or around XXXX XXXX I explained that I was awarded a settlement and was awaiting a check at which time I would pay all back balances. I also explained that things were backed up due to Covid and judicial and insurance offices being closed. 
I received my bill that month and my account status states it is past due as expected, it now reflects current. It has never reflected written off. On XX/XX/XXXX I went online to make a payment and the system would not permit me to. I called Santander Consumer USA to troubleshoot the issue. Only at the time was I informed that my account had been written off. I was told my account had been written off on XX/XX/XXXX and the only options I had were to keep the written off car and continue paying or do a voluntary surrender of the vehicle. My car has never been repossesed. I am and have always been in possesion of the vehicle. 
On or about XX/XX/XXXX I called Santander Consumer USA 's collection department and was told there was no record of my account being in collections. In following days through back and forth with customer service I learned that my payment was accepted on XX/XX/XXXX but they also reported me to the credit bureaus on that very same day. 
I have been trying to seek remedy with Santander Consumer USA and have this write off removed from my credit as a write off is done implying that the lender does not not ever expect to recover funds from borrower. They have collected all funds and again the only reason the 180 day rule for the write off was able to expire was due to COVID situations that were completely out of my control. 
I spoke to XXXX employee number XXXX on XX/XX/XXXX and he stated Santander Consumer USA is absolutely not going to remove the write off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: NV
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/XXXX XXXX ACCT NO XXXX IS BEING WRONGFULLY AND INACCURATELY REPORTED WITH DAMAGE ON MY XXXX AND EQUIFAX CREDIT FILES.I WOULD LIKE THE ENTIRE ACCOUNT REMOVED DUE TO THE NUMEROUS ERRONEOUS LATE PAYMENTS. 
" XXXX '' ... ... ... ... .... 
OF XXXX XXXX ( AQUIRED BY XXXX XXXX ) HELPED TO DEFRAUD ME WITH ILLEGALLY INACCURATE INFORMATION WHILE ATTEMPTING TO OBTAIN A NEW REFINANCED OR RECAST LOAN FROM XXXX/XXXX. 
XXXX ... ../SPOC AT XXXX XXXX  ,XXXX XXXX XXXX, XXXX, NB XXXX ,XXXX, FAX XXXX, PERSONAL PHONE XXXX WAS MY REP AT XXXX.XXXX TOLD ME THAT IN ORDER TO QUALIFY FOR A LOWER RATE OR LOWER PRINCIPAL THAT I WOULD HAVE TO DEFAULT AS PART OF THE PROCESS. 
I DID AS XXXX INSTRUCTED AND WAS THEN TURNED DOWN TWO TIMES FOR THE LOAN XXXX TOLD ME ABOUT.THIS CAUSED ME TO HAVE TO PAY {$160000.00} TO BRING THE LOAN CURRENT, WHICH I DID FOLLOWING THE SECOND DECLINE.I DIDN'T REALIZE WHAT XXXX WAS INSTRUCTING ME WAS ILLEGAL AND I BELIEVED XXXX AND HIS COMPANY WERE ABOVE BOARD WHICH THEY HAVE PROVED NOT TO BE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I applied for credit at XXXX XXXX store card through Synchrony Bank and was approved for an interest rate of approximately 14 %. I went to the store and made a purchase based on that. At the time of purchase I was offered a 0 % deferred interest rate for 12 months with the rate going up to 28 % at the end of the term. I declined that offer because I preferred the 14 % rate. 

I received my first statement today showing an interest rate of 27.99 %. At no time during the approval process was it indicated that the interest rate had increased. Of course I would have accepted the 0 % offer if I'd had any doubt that my rate was much lower than 28 %. In addition to the statement, I received a letter indicating I had not received the best rate they offer. 

I contacted the store to see if they could apply the 0 % deferred interest offer and they directed me to call Synchrony. 

I contacted Synchrony at XXXX on XX/XX/2021 the first agent indicated they would try to get the 0 % offer applied to my account, which could take up to 2 billing cycles. She indicated that it would be applied retroactively and any interest charges in between would be credited back. After escalating to a supervisor on the same call, I was told that applying the 0 % offer wasn't possible through Synchrony and that I would need to go to the store. Further, I was told that 27.99 % is the best offer available which is counter-indicated by the letter I received. 

After being disconnected several times I ended with an agent that indicated she would request the 0 % offer and that all customers get 27.99 % interest for this card. She did not believe that applying the 0 % offer would be possible. 

To be clear, I tried to get the 0 % deferred rate applied as a less-bad outcome. My preference would be to apply the promised 14 % rate to my account. That is the basis on which I made the purchase. 

Synchrony - XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WI 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 2019-11-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company has not paid my county tax. I have made numerous calls to customer service and have sent certified letter in regard to this issue.

I have received a letter from the tax authority that my county tax has not been paid from my escrow 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 explanation
Consumer complaint received 2021-03-26
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2016, RENTON COLLECTION added a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Signature for this account debt at all. 
Please provide me with the following. 
What the money you say I owe is for. 
Explain and show me how you calculated what you say I owe. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgment if applicable. 
Identify the original creditor. 
Prove the Statute of Limitations has not expired on this account.

Show me that you are licensed to collect in my state.

Provide me with your license numbers and Registered Agent or Agent of Service.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello- I attempted to make a large principal only payment for {$99000.00} online on XX/XX/XXXX. I had already made my monthly payment for XXXX on XX/XX/XXXX. However, Mr. Cooper ( mortgage servicer ) took my XXXX, XXXX payment out of my principal only payment first costing me an extra {$490.00} in interest payments that should not have existed. My mortgage should have been paid in full on XX/XX/XXXX making it so that I should not have owed any interest from XX/XX/XXXX - XX/XX/XXXX. 

I submitted a RESPA request to Mr. Cooper but they said because I didn't put a note on the {$99000.00} payment to apply to principal, their system took the XXXX payment out first. Please help me. 

thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
US Bank has my XXXX account and wouldn't transfer money for several days until they could collect their insufficient funds and then deposit my XX/XX/XXXX money, they did this 7 times! I closed all my accounts but I owe on a line of credit and they won't release my XXXX number or any XXXX funds until it is paid. I can't access my account ( locked so I can't pay ) or my XXXX funds. I tried several approaches and they are still withholding my money.

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 2020-05-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
We purchased a puppy from a man in Texas on XX/XX/XXXX via the internet, we had contact through email. We live in Indiana, and he was supposed to ship the puppy to us the next day through ( XXXX XXXX   ) which is also a scam website and company. We paid {$740.00} to the man and that included the shipping fees, we XXXX 'd the money through our Chase account to the man and never received our product because he was a scammer. The next day the " shipping company '' tried to scam more money out of us. The man has since removed his website, XXXX. & the shipping company website is still up. But We thought we were covered by our bank since this was through our Chase account. We have called chase and XXXX and chase says that we are basically out the money bc they do not provide protection on funds sent to the other party since we authorized the transaction and they do not offer protection on money sent through XXXX. Had we paid with our debit card or a check they could refund the money. Mind you this is an app that is tied to chase and our bank account. I'm unsure of how to proceed. Chase wouldn't even make a claim for fraud from us bc it was through XXXX, XXXX made a claim but said we more than likely won't be refunded bc they also offer no fraud protection but am investigation team would look into it and send the claim over to Chase. I'm at a loss on how chase promotes an app that sends money through accounts but can not travel where it goes. The whole situation is unfortunate and I don't know what to do next or who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: WELLS FARGO & COMPANY
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied at Wells Fargo for a home loan for XXXX. I XXXX XXXX XXXX and I wanted to move to Florida. I finally found a house under XXXX so I immediately jumped on it Wells Fargo said 3.6 interest rate than a week before closing they decided this is an investment property even though I'm living there more than 9 months out of the year. XXXX XXXX XXXX than changed the interest rate a day before closing to 6 percent. Than I called them to figure out why and they said no was reason to do that and they will change it back. Now they have it at 5 percent and made me extend the closing and the seller almost walked away. They literally try to ger XXXX extra on a XXXX house and than got caught and now they are jerking me around. My son 's wife is pregnant and she was suppose to move in with me but they are trying to take advantage of women not looking at the numbers for interest rates. 
XXXX XXXX also called me and tried to make it seem like all they did was change the closing costs but they XXXX  107 interest rates. I have all documents to prove they tried to take advantage of the elderly and women

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 2019-11-13
Company: CCS Financial Services, Inc.
State: CO
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:
I was looking at my credit report and I noticed I had multiple reports of of the same debt collection that I believe all show as negatives on my report. It happens multiple times as well as with multiple collection agencies. The dates, amounts and agencies are as follows : XXXX XXXX XXXX : in the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$170.00} on XX/XX/XXXX {$170.00} XX/XX/XXXX XXXX XXXX XXXX : In the amount of {$1000.00} on XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX This one is the same as the first debt collection I have listed just under a different name and an earlier date : Credit Collection Services : In the amount of {$1300.00} on XX/XX/XXXX {$1300.00} XX/XX/XXXX {$1300.00} XX/XX/XXXX It seems as if these companies wanted to hurt my score by reporting the same debt multiple times. As of now I have not been in contact with any of the agencies, this is my first step. I am hoping to get a better understanding as to what has happened and determine proper recourse from there. I could be wrong and reading things incorrectly, if that's the case I am sure you will let me know.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation