BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-28
Company: EQUIFAX, INC.
State: WA
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:
On XX/XX/2020 I submitted my second round of dispute letters to Equifax regarding incorrect accounts XXXX XXXX  XXXX XXXX  ( is not mine ) please remove, they have not. I am requesting that they move mechants credit accounts as they are inaccurate, as well as late payments to XXXX XXXX XXXX XXXX XXXX and Department of Education/XXXX late payments as well as XXXX late payments. 

Also my name is mispelled several times and my address and employer are wrong. Please update as this is having a negative impact on my credit score, and I would like it removed. 

Thank you for your assistance,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: DISCOVER BANK
State: IL
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:
On XX/XX/XXXX, I called to pay in full the balance on my secured card issued by Discover bank and upon payment in full close the account due to a transaction problem that I had experienced with Discover on the same day. The customer service agent took my payment and closed the account, she further advised me that once I see the funds cleared at my bank I need to call back Discover to set the process of returning the security deposit back to me. 

On XX/XX/XXXX, I checked my back account and the funds paid to Discover had been cleared at my bank. As instructed by the customer service agent on XX/XX/XXXX, I called back Discover. The customer service agent who I spoke with in order to get my funds returned to me informed me that my security deposit will be returned to me after 2 months. 

There are two problems that I see with this practice. The first, issue is that a secured card also known as a prepaid card is not a credit card in sense that no credit is extended for the funding of the account. The account is 100 % funded by the client, therefore, the account by its nature is no different than a checking or a saving account open with a financial institution. Discover Bank does not extend or make available any funds other than the funds fully invested by the client. Ergo, closing a secured card is similar to closing a checking/saving account where funds in the closed account are paid back to the client at the time the account is closed. Second, what legal justification does Discover Bank have for the unreasonable hold time on the funds for entire 2 months? Regulation CC clearly sets rules on how quickly banks need to release clients funds. If for the sake of the argument we assume that Discover Bank release of funds falls under certain circumstances known as exceptions and lets assume that the exception applies, the bank may only hold the funds for a reasonable amount of time. Although, that time is not specifically defined, it is usually accepted to be no longer than 5 business days. Therefore, Discover Bank 2 -months hold on funds shall not only be found unreasonable but also illegal. 

Lastly, during the 2-months hold of funds, Discover is clearly profiting one way or the other from the funds - either as keeping the funds in an interest-bearing account accumulating interest from the funds ( while not paying any interest to the client whose funds Discover bank is illegally holding ), or by landing the money to other borrowers. Irrefutably, there is a financial and ethical misconduct on behalf of Discover Bank. This practice is manipulative and it is clearly designed for profiteering by abusive hold of funds. 

XXXX XXXX Discover Card number ending XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In XX/XX/XXXX I co-signed with my granddaughter for a new Hyundai which we financed through Hyundai Financial. On XX/XX/XXXX my granddaughter refinanced the vehicle with XXXX XXXX XXXX removing me as a co-signer. The account at Hyundai was never paid off. I have a copy of the check from XX/XX/XXXX which the check was made out to Hyundai and my granddaughter. This caused me to have a late fee and a 30 day late on my credit as I was not notified of this not paid as I assumed when she refinanced that it was paid off. I found out about this when I received a call on XX/XX/XXXX at night telling me that the account with Hyundai was delinquent and I paid them in the amount of {$560.00}. They told me I should have known it was not paid off. I told them it was refinanced and XXXX  signed for the documents but Hyundai does not know who that was. They finally said they received the check on the XXXX and it cleared on the XXXX. I have been trying to get proof of the loan being paid off but they said they could only mail. This is a big issue as I am elderly and on a fixed income. I have never paid an account late and now i have lates on my credit and I am in the middle of purchasing a home which we have had to delay closing due to this and I am going to be homeless if this is not taken care of as well as it is affecting my credit score which could affect my rate. This is so upsetting as because they didn't take care of their business and ruining my credit and just has had me so nervous and upset I can't sleep. I really need some help.

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 2019-02-28
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I received a check from my insurance company to repair the storm damage from hurricane Michael. I received the check in XXXX I had already started the repairs and cleanup. I have paid out of my pocket knowing the check was coming. After sending the check to the loss department 3 times for various reasons to get it endorsed. They send me a list of paperwork that I had to get all contractors to fill out including XXXX who was one of my contractors to replace the roof. The contractors thought I was nuts said they had never had to do any of this and would have to run it thru their legal department. Well all this time it just keeps adding hardship to me. Now all the repairs except the roof have been completed the roof within the next week or two. I sent contracts for the repairs such as the roof I have called various people in the " loss '' department trying to explain the situation which they do not care they will not release any of the funds. I have talked to the supervisor with no results. They are costing me money by holding onto my insurance funds. I have created debts that I have to pay interest on for the repairs and contracts for the repairs to my home. The last time I called they said they have decided that they were not going to allow homeowners to do any of the repairs. I do not understand how they have the right to tell me what or how the repairs get done, they are welcome to inspect to see that the repairs are complete. This is just another hardship on my family. I have paid day labor for people to help with the cleanup and debris removal other repairs waiting to be completed can not be completed until they release the money. I have never missed a payment. but with all the money I am having to spend for repairs I may have to.

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 2018-04-24
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:
two issues that i have reached out to experian for and they have ignored and not resolved in over 6 months 1 ) they are reporting a negative account with XXXX XXXX credit card as closed with an outstanding balance. this account does not belong to me and was opened and used fraudulently, experian had removed this account as i have disputed it and had proper documentation and police reports and then i just checked my credit report an they have added this negative account back to my credit file. 

2 ) experian is reporting a best buy credit card i have as closed and the account is opened and has been opened. i have notified experian of this for over a year an sent documentation as well as had best buy call them to correctly update my account and they refuse to do so. this account is open and they are reporting is as closed and will not correct 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 2020-05-28
Company: Liberty Holdings, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
A company who identified themselves as Liberty contacted several family members and left messages saying they would come locate me at their residence. I called the company and they claim I'm being sued for something that I have no knowledge of. I've never been contacted and I never authorized contacting any relatives.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had spoke with them months ago telling them I moved out of that property in XX/XX/XXXX. I do not live there, I am not the owner, I should not be paying anything. I also filed bankruptcy in XX/XX/XXXX and they are included in the bankruptcy. However, this was not my debt from the get-go so they should be trying to collect it from the current renters of the property.

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 2019-02-22
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For over 4 years I've been getting collection calls every single day from XXXX XXXX. Even when I pay them, I still get a call. It's harassment. I want it to stop. And they would never let me refinance my loan, even when I tell them I'm unemployed and never eat. I hate my life. I hate XXXX XXXX. They've contributed to the falling out of me and my brother in law, who was the original co-signer. As much as I've paid them both back, I've paid in interest, and this won't ever go away. Not to mention every single day I get at least 4 phone calls. XXXX XXXX. I don't have your money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: EQUIFAX, INC.
State: AL
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:
XXXX XXXX XXXX reported my payments history an Equifax still refusing to provide me a credit score went from XXXX to XXXX an it's wasn't my fault do they incorrect information in they system now they refusing to add self credit builder to my account when they mail them statements XXXX an XXXX credit report already up dated they system Equifax drop my credit score after the removed refused to add my account on my report giving me problem

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: MO
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: AES/PHEAA
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
At this time, there are payments that are being counted as 'inellgible ' despite a bill being issued on payments from XX/XX/XXXX through XX/XX/XXXX, Payments not being counted from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that should be counted. Can you please look into this? Thank you so much for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A XXXX credit account was opened in my name fraudulently issued through XXXX XXXX I reported it to XXXX XXXX and they agreed to remove it. now they continue to send it to collection agencies and threaten me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX I contacted Transunion about inquires on my credit report that I did not make. The representative would not assist and take care of the negative inquires reporting on my credit report. 

I am requesting all of these inquires to be deleted. 
-XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2019-02-28
Company: Shellpoint Partners, LLC
State: KS
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I currently have a HELOC with Shellpoint Mortgage Servicing. I am wanting to pay off this loan and when I go to the company website it allows me to obtain a payoff as of the current day. When I do that It shows a principal balance of approximately {$27000.00} and interest due of {$500.00} with a per diem of {$6.00}. The amount of interest due of {$500.00} is roughly 72 days of interest. I make a payment on this loan every month in an amount that exceeds the interest due and the difference goes to principal. I have never missed a monthly payment so do not understand how I could possibly owe over 2 months of interest at the payoff. I have called the company several times and they can't give me an answer except to tell me to e-mail them. I have done this but still have not got an answer. 

I just want to get this paid off but I don't want to pay more interest than is due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Early Warning Services, LLC
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:
XXXX  XXXX XXXX closed my account and placed a fraud alert on it however no frau was committed and there was no money received fr the account to have been flagged for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: AES/PHEAA
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:
Thank you for taking the time to read this letter. I recently pulled my credit report and found that XXXX XXXX XXXXXXXX reported a late payment of 90 days regarding my student loan accounts. I am requesting that this late payment be assessed for accuracy. I believe this reporting is incorrect because I have included the documentation to prove that my loans were in forbearance/deferment XX/XX/XXXX to XX/XX/XXXX and didnt require any payments. 
Please investigate this matter, and if it is found to be inaccurate, remove the lateness from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: PA
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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Perfection Collection
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Perfection Collection has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 the XXXX of XX/XX/2021 this account is still not charge-off, this indicate that XXXX XXXX company is violating their own statement that was mention in the letter send to my person true the CFPB and via the USPS mail service dated XX/XX/2021 that said that this account would be charge off on the XXXX of XX/XX/2021. 

BY NOW I REQUEST DUE THIS VIOLATION OF THEIR OWN STATEMENT AND VIOLATION OF THE FAIR CREDIR REPORTING ACT THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT IMEDIATELY

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 2019-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I called in on XX/XX/XXXX and spoke with a representative in regards to a payment getting returned that I noticed on my Capital One Credit Card. She told me to contact the bank to confirm my account number. I submitted another full payment to try and pay my credit card off and I got the account number incorrect again by one digit. I just opened up this checking account last month so I was confused on the account number. The representative I spoke with on XX/XX/XXXX never mentioned my account could be subjected to closing if I have another returned payment. So I submitted a second payment with the full amount in which got returned because I got the account number incorrect again. My payment wasnt even due until XXXX. I called my bank again and they told me that instead of going through my Capital One App that I can go through my banking app. I did that. I submitted a {$10.00} payment and it shows it went through. However, capitalone closed my account. I have not even had the credit card for a full month. My payment wasnt even due. The payments got returned due to an invalid account not because of insufficient funds. Capital One never called me to notify me of my account being closed or assisting me in anyway to prevent my credit account being closed. I called in today, XX/XX/XXXX, and spoke with a gentleman named XXXX who was not helpful at all. Did not care to help me fixed the situation and basically said that Im out of luck. Im upset because no one made me aware or notified me of the consequences of getting my account number incorrect. I can understand if the payment got returned due to NSF but it didnt. I made a mistake with my new checking account number. My payment wasnt even due on this credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I just opened a account a few months ago. I never received a bill/statement for the {$50.00} annual fee. I did receive my card but never activated it. The company closed it with out notice and will not reactive. Was told just to reapply. Was also told that I never paid their fee. When I call they told me I should have received a paper statement as well as a phone call. Which of course I have never received. I have not missed a payment on any of my cards in 16 years. I have another account with Chase and I have never missed a payment or been late. It is very unlikely that I would have not paid this account if I would have received a statement of some type Yet, they are refusing to activate the account, even when I offered to pay the annual fee same day as well as the their " late '' fees that accrued. They will only reactive if it was a bank error which I believe that it is. Chase refused to work with me on my accounts.

Company response to consumer: Closed with non-monetary relief