BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-08
Company: Iron Capital Group
State: WA
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:
On XX/XX/XXXX, I applied for a business line of credit with Iron Capital Group. This was under the understanding that personal credit would come into account, however, still under the business entity and under the pretense that this would be like a loan, line of credit or one credit card for the business. On XX/XX/XXXX, I found out that this company ( Iron Capital Group ) applied for about 15 credit cards in my personal name. Opening up credit card lines with out prior permission. When requested a list of companies they submitted information to, they only provided piece mill information. Making a huge decrease in my personal credit scores. This came about when XXXX XXXX  from Iron Capital sent an email stating, " if the credit card company calls, don't tell them we did your application. '' wanting me to provide fraudulent information to the creditor. Then, created an email on their own behalf ( Iron Capital Group ) with out my approval to communicate with these credit card companies. Not knowing WHAT information they have provided on my behalf and if it is even fraudulent or fictitious.

THE BIG ONE : contacted existing personal mortgage lenders, with perfect standings, and changed contact information. this was discovered when the mortgage lender contacted me regarding a fraud alert.

When requested Iron Capital Group to cease and desist. Which they did not and requested a fee of {$5300.00} for their service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: Navient Solutions, LLC.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am paying Navient every month for mt student loans and, over the years, I've been experiencing a number of problems with them. The most prominent has been their customer service. They offer the opportunity to set up automatic payments online, but the system never worked. So, every couple of months, my account would go " delinquent '' and they would harass me with automated messages on a daily basis until my account was paid. I had to reach out to them by other means THREE DIFFERENT TIMES explaining that the problem was with their automated system. I would even review my account online before calling to ensure that my automatic payments were established, only to find out over the phone that my automatic payments were NOT established. I am hurt that this could have made impacts to my credit score over the years that I may not be aware of.

The next problem I have with Navient is that they are playing around with the interest rate percentages on my loans and also changing the amount owed from some of them. I had one Stafford Subsidized loan sitting at 2.500 % interest and less {$900.00} left to pay suddenly change in the last month or so to 3.280 % interest and OVER {$900.00} remaining. I am currently taking monthly screenshots of my account and can have more information in another couple of weeks. I am pressing this review because I just learned today that I can submit a complaint through the CFPB and will be submitting a duplicate for Navient 's federal loans too.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I layed off for covid, I tried to deal with them. Skip payment or divide payment. 
But they denied my request and they reported to my credit.

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 2019-04-10
Company: JPMORGAN CHASE & CO.
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I discovered that someone tried to authorize a wire from my checking account in the amount of {$17000.00} via email from XXXX. I immediately contacted the fraud department and reported this within hours. I then went into the branch and signed the fraud claim forms within an hour of reporting the fraud via phone. I was told the claim was escalated and would take 2-3 days, I have heard nothing and my funds have not been returned to me. I was instructed to close my checking and savings accounts and withdraw the remaining funds. I lost a day of pay from taking off work to do this. I had to stop all my auto bill pays. I had to deposit cash on to a prepaid debit card so I can pay bills. This has completely disrupted my life as I just moved XXXX weeks ago as well, the timing could not have been worse. I did not authorized this transfer, I do not know what it is for or who has hacked my account. I have no answers and am now without a substantial amount of my hard earned money that I worked for 10 years building equity in my home that I recently sold just to wake up one day and it's gone, Devastating, this is my life savings. My money should be returned while this is being investigated. This is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-10
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:
one XXXX XXXX XXXX account is reporting under my XXXX and experian credit reporting agencies, this is a fraud or inaccurate information reporting under my name, i had disputed this account and was removed from my credit file, but then after 7 months it reappeared, please i need you help to get to the bottom of this inaccurate reporting. i have attached my police report and the FTC report that shows this account number and the date was opened and the balance. this is not mine, needs to be removed as soon as possible. 
thank you for your cooperation

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The ONLY negative on my credit report is a late payment to Kohls Department Store. It happened recently and they showed one late payment 3 years ago as well. It is obvious by my credit history that I pay all my credit cards balances off as soon as I receive the bills. I do not and have never agreed to e-mail billing with Kohls. Every time I have called Kohls Credit Card Services, I explained to the Customer Service Representative I wanted paper billing, and they agreed to that. Each time I was aware of a balance due, I paid it off in full. The only time I missed a payment is when I did not receive bills from Kohls. Please refer to my credit history. I should not have late payments documented on my credit report when it was Kohls fault that I did not receive a bill in the mail where I would expect to find it. Please remove the late payment from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Simon's Agency, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SIMONS AGENCY INC. stated, Our office was retained by XXXX XXXX XXXX for an outstanding balance due them. The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. My question is, if I owe this alleged debt to Summit Medical Group, shouldnt I be paying XXXX XXXX XXXX instead of SIMONS AGENCY INC? How do I owe XXXX XXXX XXXX? Furthermore, SIMONS AGENCY INC is violating my right to privacy as a consumer. I never gave SIMONS AGENCY INC my information so they bought it along with this alleged debt that theyre trying to make me pay. It sounds like SIMONS AGENCY INC already paid for it, which is not my problem. I will not pay anything. Im not SIMONS AGENCY INC client nor do I wish to do business with them. SIMONS AGENCY INC claim they never had a conversation with me but stated, The file was placed on XX/XX/XXXX and initial correspondence was sent to the address provided to our client. Again, I am not SIMONS AGENCY INC client but that was COMMUNICATION. On XX/XX/XXXX that alleged validation did not include the 5 requirements pursuant to 15 USC 1692g. Im not obligated to pay this alleged debt. From my understanding, SIMONS AGENCY INC already paid it. So how do I owe SIMONS AGENCY INC? Who is SIMONS AGENCY INC and where is this alleged contract or agreement with my WET INK signature with SIMON 'S AGENCY INC? The fact SIMONS AGENCY INC want me to resolve the still outstanding balance is obscene and profane language to me. I do not owe anything nor will I ever pay SIMONS AGENCY INC. According to 15 USC 1692k civil liability, SIMONS AGENCY INC owe me for the violations and damages against me. I expect my check in the mail within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am responding to the recent settlement with Wells Fargo. 
Wells Fargo wrongfully and fraudulently filed a foreclosure actionXXXX XXXX against me in XXXX. They fairly quickly voluntarily dismissed the case but it took 8 months, court appearances and a great deal of distress. 
Then in XXXX of XXXX, I attempted to make my mortgage payment online and they wouldn't accept it. I called customer service and the representative asked me to sit down and then proceeded to inform me that they didn't want my money, they wanted to foreclose. Wells Fargo shortly thereafter filed another wrongful foreclosure action against me. That case was finally dismissed in XXXX of XXXX. Three years of stress/damage to my credit report/Slander of Title in the Official Public Records of XXXX XXXX XXXX XXXX ( they didn't even get my name correct on the complaint ).  The stress of being served with surprise lawsuits against me, the continual threat of the loss of my home of 23 years and going to court has been overwhelming and has damaged my mental and my physical health.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: JPMORGAN CHASE & CO.
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have sent prior request about a Mortgage reporting inaccurately on my credit report. There are plenty of errors concerning my account and the way this company kept its records. This account was reported by this company as being in a Bankruptcy Status since XXXX XXXX however was never reported or updated to the Credit bureaus Please explain how and why this account was not reported correctly? I have sent more at least 3 request through the CFPB and they have admitted to this an other accounting errors on my credit report and stated they updated the payments but they have not

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Bread Financial Holdings, Inc.
State: AZ
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 opened a XXXX XXXX XXXX account. Once I received the card I was unable to activate it. They kept saying account not found. Once I spoke to their credit department, they stated they could see my application and that it was approved. They advised me to go into the store and use the account and then it will be activated. I did that and after several weeks they were still unable to locate my account. After 3 weeks, I received a bill in the mail. Once again I called to locate my account as I only had 1 week to make a payment. They were still unable to locate my account. I had a bill in front of me, an account number and no one who would help me make a payment in the account. I feel like I am being scammed and about to get hit with late fees, interest and a ding on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Exeter Finance Corp.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX and XX/XX/XXXX my credit was fraudulently ran without my permission or consent. I have been a victim of fraud and Identity Theft. On XX/XX/XXXX I signed up for XXXX XXXX   because I have received several letters for credit that I had no knowledge of and to have a better understanding I needed to know what was reporting on my credit file. I immediately called the company phone number listed on the correspondence only to be transferred to and from numerous departments being left on hold and then the phone being disconnected but promised a transfer to someone who I can report this fraud. I am desperately seeking someone to help me with this matter because its obvious they will continue to ping pong with me because it isnt them and they probably could care less because the fraud is not happening to them and its not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Early Warning Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My husband ( XXXX XXXX ) and I were both listed as co-owner 's on Bank of America accounts with XXXX 's Uncle ( XXXX XXXX ). These accounts were closed by XXXX in XXXX prior to his death on XX/XX/XXXX. These accounts were closed with XXXX balances and per XXXX XXXX XXXX ( XXXX ) Please see the attached letter from XXXX stating " no adverse consumer reporting was generated ''. Please also reference CFPB Complaint ID XXXX. XXXX was unable to answer why these accounts are showing up on my Early Warning Services ( EWS ). The three accounts ending numbers are : XXXX, XXXX & XXXX. The information listed on the EWS report is inaccurate and should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2017-09-28
Company: Screening Reports Inc.
State: MI
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 : XX/XX/XXXX : XXXX XXXX, DE XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX, PA XXXX ( XXXX ) XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have requested for fraud alert removal and it's still showing on my account and this is affecting my ability to open a bank account. I need the fraud alert removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2020 I sent a letter regarding inaccurate items on my credit report. It has been over 35 days and I have yet to receive a response. I feel I am not being taken seriously and my complaints are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 35 days so this should be rectified promptly. I am asking that these accounts be deleted immediately or I will file for litigation due to the stress they have caused. Furthermore, my information may have been impacted by the XXXX  data breach and gotten into the wrong person 's hands.

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 2023-03-31
Company: REGIONS FINANCIAL CORPORATION
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We had solar panels installed in XXXX  and they used EnerBank USA to finance the installation. The loan paperwork states EnerBank will re-amortize the loan every 12 months following substantial completion of the solar installation which was in XXXX of XXXX. No actual date is included in the loan paperwork. We were promised we would be able to prepay 26 % of the loan prior to the first re-amortization resulting in a XXXX monthly payment. However, Enerbank did not notify us of the re-amoritization date so we did not get the opportunity to give them our down payment. Now they are charging us additional interest and a {$170.00} payment with no chance to put down our down payment and lower the payment until next XXXX. 

This is a deliberate, deceptive and unethical business practice. We have contacted them 3 times and placed complaints. No one even calls us back.

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 2021-04-05
Company: BAM Management US Holdings Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Since mid-XXXX 2020, I have been unable to withdraw any cryptocurrency or fiat currency from BinanceUS. When I try, I get an email saying " withdrawals suspended due to risk management. '' I can still deposit into BinanceUS as normal. I tried their tips in the FAQ, and none of them worked. I emailed their support on XX/XX/2020 telling them to look at this, as until then I had not needed to withdraw. I got no response. I then sent a support ticket on XX/XX/2020, to which I got no response. I emailed them again on XX/XX/XXXX as well. Finally, I tried one more support ticket on XX/XX/2020. I have over {$29000.00} locked in BinanceUS as of the time of this writing, and I have yet to receive any response from their support.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
hey hows it going i have reviewed my credit report and, Ive noticed certain accounts where no reporting accurately. I was informed by the credit bureaus that the information was accurate. but that would be incorrect. Below ive left and attach files where you can see that the information is not reporting accurately XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX. The information on these account are not accurate. EVenb after the bureaus stated they were validated

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