BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH
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 have been having the biggest issue with XXXX XXXX. I have held many mortgages and have never been late in over 30 years. I already hate that my mortgage keeps being sold to a different company every time I look up and each company is harder to deal with. In XXXX of XXXX my mortgage was sold to XXXX XXXX. XXXX XXXX charges a fee to pay online, and a fee to pay over the phone so I send my payment through the mail which is my normal process anyway but I have never seen a company charge to pay online. I mailed my payment as I always have in XXXX of XXXX and when I noticed they still didn't take my payment out of my account, I called them via phone on XX/XX/XXXX and was advised to give it a few more days because it would be a charge to stop payment on the check, a charge to pay it over the phone and a late fee. I stated I have never had a payment lost in the mail and that it would be up to a supervisor to waive the late fee. Still no payment was deducted out of my account so I then paid through the automated system and had to pay a fee, and was charged a late fee. I am very disappointed with how I was treated by this new company that can clearly see I have stellar payment history and always have for over 30 years as I have owned multiple homes. XXXX was unreasonable for a true and honest issue that was clearly out of my control. I have never had a payment lost in the mail before and I pay majority of my bills through the mail. XXXX XXXX keeps calling me to ask if I want to refinance with them. They refuse to resolve the issue that occurred with my account. I have had my mortgage on this home since XXXX and I have NEVER had a late payment and I want it removed. This is my XXXX home in 30 years and I have NEVER had an issue like this before. I have called and wrote letters and have been unsuccessful in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 when I submitted a dispute letter for those inaccurate and unknown accounts. over 30 days now haven't received a response. I was a victim of the XXXX Data breach. I want all those unknown and inaccurate accounts must be delete from my credit report or I will file litigation.

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 2020-05-22
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I call Kia Finance at the end of XXXX, I was told I could defer 3 payments due to the affect of the corona virus, I would need to call a few days prior to the payment due date each month and put in the request. I requested for the XXXX payment to be deferred which I was told was approved, however the finance company proceeded to put the payment through my bank and the payment was returned since the funds were not available which was the reason for the deferred request in the first place. I called Kia Finance and spoke with a representative who stated that when I originally called for the deferral the rep should have taken my account off of auto pay, she then stated that she would refund the fee 's associated with the transaction since the deferral was approved. I called again in XXXX at the end of the month prior to the due date and requested the deferral which again I was told was approved. I called yesterday XX/XX/XXXX to put in the 3rd request for the XXXX payment and was told that I owe {$1400.00}. that I had 2 returned payments, when I tried to explain to the representative what had happened she was very nasty and argumentative, she continued to tell me that I had deferred a payment in XXXX which did not happen I made my XXXX payment, the deferral program didn't start until XXXX when our state was locked down, it got to the point where she was yelling that we could end the call right now or we could proceed to request the deferral for XXXX instead of XXXX so instead of making things worse I answered her questions and tried to call again this morning and speak with a supervisor and was told no one was available to assist me which is what I have been told every time that I have made that request. 

I was assured by the representative that I spoke with in XXXX that this would not affect my credit and that the payments would be moved to the end of my lease, now I have payments showing 30 days late along with late fees. I have always been an outstanding customer with Kia Finance, this is my 2nd lease with them and my payments were always set up on auto pay and have been paid every month on time. In the past 3 months I have had the worst customer service, they have been very rude and unwilling to try to rectify the mistake that was made on their end that is causing financial problems along with a very negative impact on 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 2018-09-19
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX, I began to pay attention to my credit and noticed that there was an account I did not open with XXXX XXXX with a balance of {$950.00}. On XX/XX/XXXX and XX/XX/XXXX, I sent letters to XXXX XXXX requesting that they validate the debt and send proof bearing my signature or remove the debt from my credit reports. I did not get a response but soon after ( XX/XX/XXXX ) I  received notice that the debt was sold to XXXX XXXX who soon after ( XX/XX/XXXX ) has hired XXXX XXXX XXXX to sue me for this debt. I have requested they they validate the debt as well and they sent me three statements that none of which had my accurate address and none had my signature. I did not open this account as I was caring for my father who lost his battle to XXXX in XX/XX/XXXX. This is unacceptable and unprofessional.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-31
Company: NAVY FEDERAL CREDIT UNION
State: FL
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:
On XX/XX/2021 I sent letter to navy federal asking them to dispute these negative late payments from my report because it was unfair and abusive to my general reputation as the consumer and at the time I have been going through hardship. They responded and said they are only allowed to report accurate information. But, that's not true they lied to me! because as a educated consumer I have read the laws of the FCRA and the FDCPA and it states in 15 USC 1692D 1 ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with collection of a debt. without limiting the general application of the foregoing, the following conduct is a violation of this selection : 1 the use OR threat of use of violence OR other criminal means to harm the physical person, REPUTATION or property of any person. I have explain to the debt collector that my consumers reports is my general reputation and that The FCRA ALSO STATES 15 USC 1681 The banking system is dependent upon FAIR and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and UNFAIR credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. My consumers reports have been indeed unfair to my reputation as a consumer I have a right to privacy and I have explain this to the 3 major credit bureaus and navy federal in the mail and over the phone numerous times. I hope cfpb is able to help me with this issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28
Company: Experian Information Solutions Inc.
State: PA
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:
XXXX XXXX person call me from there office asking me about an account back in 2002 with XXXX XXXX XXXX  in regards to my credit card running late. First I still have XXXX XXXX XXXX card in which I spoke to them and told them that the person called me from XXXX XXXX telling me about my credit and going down my credit report one creditor after another one and asking me why I disputed this and that. Was asking me questions about my credit cards and how one of my XXXX credit cards had a high limit. XXXX XXXX obtain information that is false as I was told by XXXX  XXXX XXXX  back in 2002. XXXX XXXX also ran my credit in places I did not give them permission for some one to go down my file. XXXX XXXX is not a credit bureau nor a Financial place of business to be calling me going over my credit file asking me about things finance and why I disputed who I disputed and why. I see fraud done to how they obtain my information and want the credit bureaus to mail me a copy out regarding any credit pull by a company named XXXX XXXX. I have had fraud done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: Chime Financial Inc
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Chime has rejected all of checks I've tried to deposit. XXXX stated it was because Chime " can not read how the checks were printed. '' I was told this will continue to happen. Why does Chime advertise free mobile check deposit after making you agree to direct deposit only to reject all my mobile deposits? How are you refusing checks that are issued a national bank like XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: CREDIT ACCEPTANCE CORPORATION
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: Account information incorrect

Complaint:
I had a loan with Credit Acceptance for a XXXX XXXX van I had financed. I traded in that vehicle with XXXX XXXX XXXX in XX/XX/XXXX. I have confirmed with receipts that the dealer paid off this loan in full and received title to the van. Credit Acceptance never marked my loan as paid. This last spring they began reporting it to the credit bureaus as late and I now have multiple 180+ lates on my credit that are inaccurate, as I have not had this vehicle since XXXX and it was paid in full by the dealer. I have contacted Credit Acceptance multiple times and they ignore my requests for information. After a complaint to the XXXX they marked it as paid and sent me a title release. They also sent me an original copy of hte loan with a paid stamp on it where they crossed off XXXX as the paid date and put XX/XX/XXXX. This loan was fully satisfied in XXXX and the lates on my credit report are inaccurate and preventing me from refinancing my mortgage. I want these inccorrect lates removed from my report immediately.

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 2020-07-11
Company: EQUIFAX, INC.
State: GA
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:
I had an account with XXXX XXXX to access my credit ratings. SInce last 4 months, i have not been able to get my credit report due to issue with access to " equifax ''. They directed me to Equifax, who repeatedly state all is fine. But i am still unable to get the report. This is concerning for me as i am likely to purchase a house and will need credit ratings. I cancelled my XXXX subscription and got directed to wrong numbers from Equifax to escalate the issue after several attempts. Now i am finally seeking support from CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: Bread Financial 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: Account information incorrect

Complaint:
I called commenity bank in XXXX to pay account in full. I asked the full balance including late fees. They agreed to remove a late fee if I paid the card in full that day. I Paid the balance due less the late fee as they said they were removing one of them and the balance was paid. I received a bill beginning in XXXX for {$37.00} which was the late fee. I refused to pay it as the account was paid in full. Now they've charged me a late fee again and I owe {$74.00} and they've reported it to my credit report! I called to no avail. They say I owe it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS Servicing ( Select Portfolio Servicing, Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX ) on behalf of Delaware trust ( ) took over the servicing of my Mortgage as of XX/XX/2018 from XXXX XXXX XXXX. Mortgage payments of {$1400.00} ( with additional principal ) are set up as recurring removals ( automatic drafts ) from my checking account. On XX/XX/2018, SPS removed the full mortgage payment and additional principal from my checking account and applied it to the mortgage for my property. On XX/XX/2018 I received a statement that my mortgage was not paid and a late fee was charged and that I owed 2 months mortgage payments. I also noted that my FICO score dropped 18 points when I received this notifications. I call SPSP customer service ( XXXX ) and he informed me to ignore it. I wrote XXXX letters to SPS regarding this issues and I receive 3 letters stating that SPS was sorry that I was having difficulty paying my mortgage on time. On XX/XX/2018, SPS removed the next required mortgage payment from my checking account My mortgage was never late, not any paym, ments delinquents since dealing with this Servicer, yet SPS is sending letters implying that my mortgage is not being paid and letters which imply I am not able to pay my mortgage, questioning my credit worthiness. 
SPS Servicing is also a debt collection agency. I believe this company is trying to establish a false debt delinquency to initiate foreclosure on my property be it intentional or through a computer glitch similar to the XXXX XXXX glitch that lets to thousands losing their homes to foreclosure. 

I have written three letters to SPS Servicing asking why I received a late notice of non payment of mortgage but SPS has not provided me with an answer. 
I have concerns that this Mortgage servicer will also documenting false credit delinquency information about me and also making false reports to the credit report agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Convergent Resources, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i notice a negative item from CONVERGENT OUTSOURCING on my credit report on XX/XX/2020 for an alleged debt of XXXX that i do not owe, so i sent them a letter on XX/XX/2020 requesting information that is relevant to this matter.i haven't heard from them as of yet.

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 2021-01-31
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On my credit reports there is a closed account with huge amount of missed payments. TOYOTA MOTOR LEASING Opened XXXX. XXXX, 2018 Its not mine account. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA TOYOTA MOTOR LEASING has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: Experian Information Solutions Inc.
State: MN
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:
on XX/XX/XXXX I was at XXXX XXXX  inquiry on vehicle as questions I was told they would do soft inquiry to see about pre approval amount that I may Qualify for. I was amazed on XXXX XXXX these Inquires on my credit report that I have no knowledge of. Here is list of Inquires XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX slap in face if I would of known they were going to run Hard Inquires with out my permission I would of done this my self at Banks I prefer to go through.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: Experian Information Solutions Inc.
State: NJ
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 contacted Experian to have dispute remarks removed but the agent closed three active accounts. When I called to have them did their error, they refused. The accounts they closed at open and active at a XXXX  balance.

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 2018-02-09
Company: Commonwealth Financial Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFSI has reported two accounts to the credit bureaus as collections. 1 account is for {$340.00} and the other is for {$380.00}. Neither one of these belong to me and I was never contacted to dispute these accounts, they just appeared on my credit report. I have been a victim of identity theft and I believe that these accounts may stem from that. These account are not mine and do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
a bank teller call me a XXXX threw my ID at me and made fraudulent claims on my account there was a check deposited by me on Tuesday that had a 2-day hold she added a 7-Day hold to that check and now I have no access to my money she misrepresented herself as a bank branch manager and she is not he is on vacation I need my and she threatened to close my account she reported fraudulently to the suspected fraud which is how she got my account put on hold once my account is reviewed it will show that I don't have one returned check I was treated worse than the dogs this afternoon and I want Justice immediately and I need help with my account immediately

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