BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-06
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
This is a follow up complaint to XXXX and, in spite of agreeing with this complaint, XXXX XXXX continues its harassment, intimidation, and incorrect billing. 

To pick up where we left off on XX/XX/XXXX. On XX/XX/XXXX I received a letter from XXXX XXXX offering to settle the ( incorrect ) bill for {$1300.00} or 80 % of what they claimed. There was no mention of CFPB complaint. 

On XX/XX/XXXX I was informed by XXXX XXXX that they processed my claim on behalf of XXXX XXXX XXXX and was paying {$1000.00} to XXXX XXXX XXXX. I sent the balance of {$280.00} along with a letter requesting a full, complete, and accurate statement. I further demanded that any derogatory information sent to credit bureaus be rescinded. 

On XX/XX/XXXX I received a letter from XXXX confirming payment of {$1000.00}. 

Instead of granting my request of XX/XX/XXXX on XX/XX/XXXX I received a letter dated XX/XX/XXXX from a debt collector, XXXX XXXX XXXX, claiming on behalf of XXXX XXXX XXXX and addtional {$330.00}. 

I replied to this letter stating the account is paid in full. 

It is clear that XXXX XXXX XXXX is attempting to bully me into paying additional money in spite of their offer of XX/XX/XXXX. It should further be noted that the lease was paid through XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Experian Information Solutions Inc.
State: MS
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 previously disputed inquires on my credit report that I did authorize in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The following inquires were disputed : - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX - XX/XX/XXXX - XXXX XXXX : XXXX - XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX XXXX : XX/XX/XXXX - XXXX XXXX XXXX : XX/XX/XXXX However, Experian sent me a letter each time that the information was verified but could not produce any documentation with my signature nor my consent.

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 2019-01-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The creidit Bureau companies have not sent verification of thr accounts and they only responded back as verified. Information has to be provided to me as the consumer and they have not. Bills do not verify nor validate a debt ; therefore the accounts listed below need to be deleted from all 3 major credit bureaus immediately. The credit Bureau companies are in strict violation of the law and I'm attempting to give them 1 last chance to comply. They have the burden of proof to prove the debts are mine and if they cant show just cause they must delete.

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 2018-06-10
Company: Skopos Financial, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I was sold a car by XXXX XXXX XXXX in XX/XX/2018, that has increased in mechanical issues since the date of purchase, The Salesman XXXX was already aware of a heat issue prior to purchase and was suppose to fix the issue the Saturday after purchase, when I arrived they acted as if they were unaware of why I was there, then gave me a number and address to a mechanic who didn't speak english, and kept my car for 4 days without any work getting done, only returning the car because I was getting impatient, and could care less the inconvenience it caused me, there was some minor damage done to my car while it was in the mechanic possession, in which they denied, because I brought the car to them and, they took it to the mechanic, I will not go back there after the last experience I had with them, It took them over a month to give me my tag and title, which was not included in my down payment, and I was unaware, and they withheld it until I had the money to pay for it. The car was less than {$14000.00} used but, I will be paying back over 35,000 over the course of the 6 yr loan, I understand interest rates but, it should never be the same cost of the purchase, and then some. This loan company has never even sent me a payment coupon or even a welcome letter, I have not received anything with my account number on it

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX, I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to Paypal that was outstanding. This debt was attempted to being collected by XXXX. At this time, I checked my Paypal account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to XXXX disputing the debt.

XXXX replied back on XX/XX/XXXX with a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from XXXX, there was given a " Paypal Inc. Account Number '' which I did not recognize. In fact, Paypal says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my Paypal account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my Paypal statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-06
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have started a Loan Modification in XXXX and Freedom Mortgage Keeps asking for unusual documents or they keep delaying the process. Such as they asked for my year to date breakdown of my business documents such as profit and loss and I sent that to them just as they asked and then all the sudden they wanted it broken down in month to month and that was not how they worded it on their paperwork and they had involved their attorney saying that I did not get the paperwork back to them in a timely fashion. So when they involved their attorney I told her that I send them the paperwork immediately, that I do not wait, they claim they never receive it so I have been working with her in the mix since XXXX showing her that they loose everything that I send them. Their attorney gets it and they claim not too. When they ask again and I send her a copy of the paperwork she pulls the paperwork I have sent and then in turn sends it to the underwriters. I am not sure why they will not approve our Loan modification and why they are trying their best to take our home. I have produced paperwork that they think I possibly can not produce and I get it. They recently have asked for paperwork about our food stamps card and what and where we spend our money on the card like we lie about it. So I literally had to get a listing of the places that I shop for our food and how must is spent at each and every store and what is bought at each store. This is degrading. My husband got sick 2 years ago after having a XXXX XXXX XXXX XXXX XXXX XXXX XXXX and they were told that. We have had a hard time with payments and have asked for help. This year a customer, since I run a XXXX XXXX, stole {$13000.00} from us and it put us very far behind, but they will not help us. They keep pushing us further and further behind. Like they want to put us on the street. My husband was just diagnosed with XXXX XXXX and now they want us to be put out. Freedom Mortgage is the worst company I have ever had to deal with. Please keep any other veterans from having to deal with them

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 2021-04-12
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACIMA CREDIT XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX the company said I owe them the amount of {$2000.00} dollar. They just put it on my credit report with out a notice or chance to dispute the debt. The collection has been reported as charge-Off. this company does not have contract with my signature

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received a letter of collection from XXXX XXXX XXXX. They claimed that I owed a little over {$110.00} to XXXX that was outstanding. This debt was attempted to being collected by Convergent. At this time, I checked my XXXX   account and did not see any recent transactions matching the amount owed. Then, I wrote a letter to Convergent disputing the debt.

Convergent replied back on XX/XX/XXXXwith a packet that stated the debt was valid. There were many details that were suspicious.

First, in the packet from Convergent, there was given a " XXXX XXXX Account Number '' which I did not recognize. In fact, XXXX says on their website that they do not give account numbers, rather accounts are identified by associated email addresses.

Second, there was given an " Account Creation Date '' that is very recent. I opened my XXXX   account much earlier than that and I have statements recording purchases in XX/XX/XXXX.

Third, some of the listed information was unclear - monetary numbers that did not add up to or relate to the {$110.00} or actual amounts in my XXXX statements.

Due to the fact that I can not access the account and do not have statements that reflect the amount owed, I can come to only two conclusions. One, someone opened an account in my name with a bad credit card or bank account number. Or Two, XXXX XXXX XXXX. is a fraudulent organization.

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 2019-01-06
Company: Big City Finance, LLLP
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied online and I was approved for {$970.00}. I have started to pay back the loan on a biweekly basis in the amount of {$300.00} I can not afford this payment. As well by the time I done I will have paid {$4000.00} for a {$970.00} loan. I think the finance charges are absurd! Please review my loan for accuracy. Also, confirm that they are licensed in the State of Texas. I want this loan voided and fees adjusted. I want the initial payments refunded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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:
On XX/XX/ 2016, there were 6 unauthorized credit checks done on my report. 1. XXXX XXXX-twice 2. XXXX XXXX XXXX 3. XXXX 4. XXXX XXXX XXXX. 5.XXXX XXXX ... .. I test drove a Truck at XXXX XXXX 's XXXX XXXX in XXXX, NC. and brought the truck back and told them I had changed my mind and left.I later discovered thru XXXX XXXX, that they had pulled 6 hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-10
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name under Ocwen Account # XXXX, is XXXX XXXX but I divorced in XX/XX/XXXX & remarried in XX/XX/XXXX changing my name to XXXX XXXX. In our divorce my ex-husband XXXX XXXX was awarded our home and required to assume responsibility for the mortgage and I signed a quitclaim deed. Last month I found out he did not assume the mortgage and that I am still on the mortgage as a CO-BORROWER. In researching the loan I found that In XX/XX/XXXX while in loan default and foreclosure, XXXX requested XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fl. to modify the loan without my knowledge. The loan modification trial was approved, forbearance payments were accepted and the loan modification was made all without my signatures. Ocwen wrote off {$8200.00} in my name which was reported to the IRS in a XXXX as income. In addition Ocwen reported the modification to the credit bureaus and ruined my credit ( FICO XXXX to XXXX  ). Now he is in default again and has been approved for another modification without my approval as co-borrower. I've contact Ocwen many times and they say although I'm a co-borrower on the loan and responsible for payment my signature is not required for loan modifiations because I signed the quitclaim deed. They have refused to allow XXXX to assume or refinance the loan in his name only. I have been denied a mortgage of my own with my new husband, can not finance a car nor anything else while this mortgage is on my credit history and remains in my name. It shows up as a {$290000.00} debt in my credit reports. Furthermore my ex-husbands poor payment history and debt discharges could eventually result in me loosing my job with the XXXX XXXX. And finally I did not know about the XXXX of {$8200.00} reported in my name until after I filed my taxes. THAT MEANS I'M NOW GUILTY OF TAX EVASION, WILL LOSE MY XXXX XXXX WITH XXXX XXXX XXXX XXXX XXXX   AND WILL POSSIBLY SERVE JAIL TIME!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-11
Company: HUELSON LAW FIRM, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
2014, XXXX XXXX XXXX, {$13000.00}. 
They sent a amount to collections for the amount of {$13000.00}.

Company response to consumer: Untimely response
Consumer complaint received 2019-01-06
Company: Experian Information Solutions Inc.
State: OH
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: Problem getting your free annual credit report

Complaint:
I requested all three, free annual credit reports. I was able to receive reports from XXXX  & XXXX. 

I was unable to get Experian report although I used the same exact information to get the other two reports. 

Every time I filled in the address information, I always got a message saying ; 'address is not the same as when I requested freeze on report '. 

I have freeze 's on all three reports but Experian was the only one that refused my request. 

On the free report form, they request 'my current address ' which is the same I gave XXXX   & XXXX . When I gave the same address to Experian, it always gave me the message above. 
Even when I inserted my previous address, I was still unable to get 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 non-monetary relief
Consumer complaint received 2018-02-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I made a mortgage payment on XX/XX/XXXX for {$680.00}. I receive an email stating my account was short XXXX. I want and put XXXX in my account on the same day I received the email to cover the mortgage and the company. On XX/XX/XXXX I received another email stating that the mortgage payment reversal for {$680.00}. and I was charge {$35.00} when the amount was in my account to cover the payment.

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 2020-06-18
Company: EQUIFAX, INC.
State: MO
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:
All three credit reports have not been updated for 10 years. My information was sold by XXXX XXXX back in 2016 a lock/freeze was done to my credit and paid for by Equifax for a period of one year. I never set anything up it was all done by them. I can not change or update ANY of MY OWN information because I don't have a log in to do it. I have contacted all Three by mail several times threw the years, I have tried emailing them, and I have tried calling. I have gotten no response from any of them and their customer service line is automated crap that has nothing to do with what is going on and no real way of talking to a real person. I have NO CREDIT and the information that is on my reports like I stated before are approx. XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: CITIBANK, N.A.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
A couple years ago I used Sears ' financing to purchase a couple items at the store. I paid off the final amount in XXXX. 

Since then I have twice received notifications that my Sears card is being upgraded to a Mastercard credit card. The notification says this will happen automatically unless you go online or call to reject it. I have not been able to complete the process online and I had to wait on hold for 10 minutes to complete the process by phone. 

I expect they will keep sending these periodically. Are they allowed to do that? I think they should be told to desist from trying to push people who did store financing into having a credit card that they never requested.

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 2018-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had filed a complaint about fraudulent activity on my account with Chase bank and issued a alert after the following transactions caught my attention : XX/XX/XXXX {$33.00} XXXX XXXX XXXX online # XXXX XXXX IL dated XX/XX/XXXX XX/XX/XXXX {$170.00} XXXX XXXXXXXX XXXX XXXX.my pa dated XX/XX/XXXX these transactions alerted me to theft on my account going back nearly 1 year. Most of which i did not catch because the previous theft was kept relatively low, averaging about {$19.00} per transaction, which is roughly what i spent daily in fast food and other miscellaneous items. 

I stopped the activity and contacted my bank by phone. i also went to the bank in person. The money began to be placed back in my account and i believed they would investigate my complaint. Not a week later, they reversed the refunds and stuck me with the fraudulent charges. I called and they told me it was my fault and they could do nothing about it. I was further told that they would " investigate '' but they have not been more specific about what this will mean. All i know is that a bank which i have been with for over 10 years and with which i have never had a previous complaint has stuck me with debts which are not mine and punished me with this debt which has caused a serious financial hardship on me. I work XXXX jobs and have had neighbors buying me food and sharing food with me because of the recent fraud and the bank not protecting me from such activity, The amounts spent online which are not mine were also taken back. i need help with this matter as i have no confidence with chase to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
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: Investigation took more than 30 days

Complaint:
I SENT A CREDIT DISPUTE LETTER OUT FOR ALL THREE ACCOUNTS ASKING THEM TO PROVIDE A TRUE AND CERTIFIED COPY OF THE COMPLETE ADUIT TRAIL WITHIN 30 DAYS OF XX/XX/2018 AND HAV N'T HEARD ANYTHING BACK FROM THEM YET.

Company response to consumer: Closed with explanation