BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-29
Company: HYUNDAI CAPITAL AMERICA
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 status incorrect

Complaint:
I recently pulled my credit report from XXXX  and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I contacted your company and talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my XXXX  dispute and my XXXX  dispute have just come in, and both say verified. How is this possible? You werent able to provide me with anything. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-29
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently called and submitted a letter to XXXX XXXX XXXX asking them to validate a debt. I never received information on the stated amount or that it be reported on my credit report. I asked them to provide the following information : 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. The agreement bearing my signature stating that I have agreed to assume the debt 3. Valid copies of the debt agreement stating the amount of the debt and interest charges 4. Proof that the Statute of Limitations has not expired 5. Complete payment history on this account along with an accounting of all additional charges being assessed 6. Show me that you are licensed to collect in Georgia ; and 7. Your license numbers and Registered Agent finally I ask XXXX XXXX XXXX to remove the collection from my credit report until the debt is validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-24
Company: TRANSWORLD SYSTEMS INC
State: ME
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Ive been receiving multiple calls from the collections company Transworld Systems Incorporated, I spoke with what Im assuming is my account manager XXXX  todayXX/XX/2020 at XXXX XXXX and advised her I will call her tomorrow with a payment. I then received another call from XXXX  at XXXX XXXX and another call at XXXX XXXX. I should not be receiving anymore calls in the same day, only 2 hours after speaking with someone and advising I will make a payment.

I am called at least 5 times a day and at this point its excessive and seems to be just for annoyance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
PHH-owcen return my payment XX/XX/20 required me to get attorney statement to speak with them so Im sending you their statement etc Phh, ocwen XXXX Estate of XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA statement lower amount {$880.00} instead {$880.00} property address.has error should be XXXX XXXX XXXX XXXX XXXX XXXX.CA..wow again their error wont allow me to make payment also The Attorney letter got right on ... 
I spoke Wednesday with Agent XXXX XXXX XXXX 
their are remote..said it would take a week to get my statement etc Widow of Veteran XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX while return to stateside XXXX XXXX. XXXX yes I have suffered. 

XXXX XXXX XXXX XXXX XXXX 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 2022-08-05
Company: Genesis FS Card Services, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called in 2019 to cancel this card. I was under the impression based on my phone call that the cancellation was confirmed. I then went to work out of town due to Covid shutting down a lot of my companys work and was not home to see any mail coming in from Genesis FS. If it did come, Im sure I was passive in acknowledging it because I had cancelled this card and never carried a balance on it. The late payments I have acquired are for the annual fee I was unaware I was charged for. My frustration continues because when I called again recently, I was told I could only cancel this card by mail and the next day I see this account has been closed. I am trying to apply for a mortgage loan and the late payments have ruined my credit. The late payments are not a reflection of my credit worthiness, but a result of poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Thank you for having such an important way to protect people from Banks. I am filing a complaint against who XXXX XXXX, and how they handled my financlal hardship due to a Medical condition. I tried for over 6 months to get their attention to help lower my payments and stop the late fees and lower my interest rate. I have had this card for over 30 some years. It started 2015, I contacted this bank over 20 times to help me with reducing my payments and APR. I have been locked out of my account and sent to collections. I have names, telephone numbers and .. we are talking about XXXX .. This card was used for a divorce, and moneys while divorcing, moving, managing a child with XXXX and fighting my own XXXX  issues ... XXXX Doctors, over XXXX in out of pocket XXXX expenses, XXXX XXXX visits. I have made on time payments for over 30 years and last 7 months I stop making full payments to get their pathetic attention. I was lied to, insulted and treated less than anyone who is trying to pay their debt.

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 2017-12-07
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I was checking my credit report and noticed this account was open that should be closed.

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 2022-11-08
Company: Experian Information Solutions Inc.
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:
This company is continuously violating my federal protected consumer rights by reporting information that they have no permission to report.Based on 15 U.S. Code 1681b they have to be given written consent to share private personal information and I have not given my permission.

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 2019-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In spite of opting OUT of ALL credit offers every year for the last many years, Capital One illegally continues to send me credit card offers, usually more than once per month! They are the only company that ignores the law. I have contacted them in writing. I have opted out via XXXX MANY times. CapitalOne does NOT comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Hard inquiries that is hurting my credit score. I didnt authorize these companies to run my credit on this date of XXXX XXXX. 

XXXX XXXX XXXX XXXX inquiry from XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX XXXX XXXX XXXX inquiry from XXXX 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 2021-03-31
Company: Experian Information Solutions Inc.
State: FL
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 purchased a used car from XXXX XXXX XXXX XXXX. I make my payment every XXXX weeks as stipulated in my contract. The credit bureau shows my monthly payment is {$480.00} each month. The dealer/ in house finance says my payment is {$220.00} every XXXX weeks. 
I have never missed a payment, The credit report reflects my payments late XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. My credit is ruined. I called the Business Manager XXXX XXXX several times, advising him to correct these mistakes. He has done nothing. I wasn't given a Truth In Lending document to break down the interest and finance charges This was never provided.

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 2018-04-09
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Equifax is not helping me and I have tried calling them more than 20 times to clear the charge which is in collections and is reflecting on my credit report for the amount of {$300.00}. 
Name of the company which reflects in collections is not my account and has been opened using my person information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My lender keeps on lying and giving false information. I submitted an application for loss mitigation to keep my home but they keep denying it because of unemployment when clearly I have a part time job and also getting SS benefit. I also never received any document from them about the denial so I sent another application but they automatically denied it again without reviewing my application. Please help me. I dont want to lose my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My credit has been ran numerous times in past few years without my knowledge! They are unable to provide documentation that I have submitted inquires. Asked them to be removed and unsuccessful.

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 2020-01-29
Company: Experian Information Solutions Inc.
State: AR
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:
I recently pulled my credit report and to my surprise there were several accounts I was not familiar with. Please remove these accounts from my credit report : XXXX XXXX XXXX  XXXX {$540.00} XXXX XXXX  XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$180.00} XXXX XXXX XXXX XXXX {$80.00} XXXX XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX   XXXX {$1000.00} RXXXX XXXX XXXX XXXX {$1800.00}

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 2019-01-29
Company: BBVA FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Back in XX/XX/XXXX, there were two charges to my credit card. One for {$770.00} and the other for {$410.00}. As soon as I saw the charges from XXXX, I contacted BBVA and a dispute was open. I was advised this is clearly fraud as Ive not been charging anything to the card. I was told to wait until XX/XX/XXXX as they have 90 days going back to XXXX to resolve it. Its now XX/XX/XXXX and the charges have not been removed. I have a Dispute ticket number, if needed. This is unacceptable. I work for a major company and fraud cases are resolved within days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-24
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I called AD Astra today in regards to a XXXX XXXX debt on my credit for {$1100.00}. XXXX w/AD Astra told me that my account was sent to an attorney named XXXX XXXX XXXX on XX/XX/2018. I spoke w/XXXX  at XXXX XXXX XXXX   office and he told me that I was served in XXXX of XX/XX/2018. There's a judgement date of XX/XX/2018 in the amount of {$2500.00}. Had I been served, I would have attended the court date. I was never served at all. I do not have any notices that this account would be sent to a lawyer. I have never been served in my life and the process server is lying. I am asking that this judgement be reversed as there was no proper service and AD Astra needs to remove this from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: BARCLAYS BANK DELAWARE
State: MA
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 attempted to pay my XXXX XXXX XXXX credit card balance of {$9.00} from my checking account instead of my savings account, which was an accident as I meant to pay from my savings account. XXXX submitted the payment, and received an insufficient funds response as my checking balance was {$0.00}. I was notified on XX/XX/XXXX via email that my payment had been successful, so I did not suspect that anything was wrong. The transaction was resubmitted on the XX/XX/XXXX but again I was not notified. 

I checked my account today ( XX/XX/XXXX ) as my statement was released on XX/XX/XXXX, and noticed that my balance was past-due due to a failed payment, which has since been reported. I thus had no chance to remediate it by changing to the correct account, because XXXX 's communications showed a successful payment and showed nothing of the two failed attempts. 

I called, and explained the issue to no avail ( other than being able to submit the bill to my savings acc't ). I need to maintain a good credit score so that I can get XXXX school loans, and XXXX 's series of decisions to 1 ) notify me that my payment was successful even though it was not, 2 ) resubmit the payment method without notification, and 3 ) refusal to help me remediate the past-due report, will impact my credit score negatively. This is despite my close attention to both my accounts and to bank notifications.

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 2020-11-03
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My complaint is to get the rewards dollars of {$830.00} back. 

I am an active Amazon XXXX member using Amazon XXXX XXXX XXXX issued by Synchrony Bank to shop at amazon.com. On XXXX/XXXX/2020, Synchrony Bank closed my Amazon XXXX XXXX XXXX account without noticing me first and the reward balance of {$830.00} was forfeit. The reason was " high risk of failure to pay ''. As a matter of fact, I held this account for more than 1 year, and I paid every single bill in full on time without any default. At the time when my account was closed by Synchrony Bank, there was even not a debit balance. 

I called the Synchrony Bank customer service twice. I got the same answer from them. They claimed that once my account is closed, the rewards are forfeit and can not get them back. All the {$830.00} rewards were earned when my account was active, and I already paid the bill before my account was closed. Especially, earlier in XXXX, many items were advertised to have 10 % ~25 % cash back to Amazon XXXX XXXX XXXX XXXX I shopped and paid the bill, but the rewards were forfeit. This is not acceptable!

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 2020-11-04
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I have used both Avio Credit and XXXX XXXX in XXXX. I was paying on time for almost a year until XX/XX/XXXX, my work hours was cut due to Covid-19. I can not afford to pay both online payday loans at the time. How did I go from owing {$700.00} to {$1900.00} just like that? 
It's already bad they charged very high interest rates. 
Now a collection company named Ad Astra Recovery Services are reporting on my credit report for both companies. Im a Virginia resident. Online payday loans are not legal especially due to the high rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-15
Company: Berman & Rabin, P.A.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased a storage shed from XXXX XXXX XXXX in XXXX   Ks. I gave a {$200.00} deposit and {$160.00} which was the first months rent. I have had nothing but trouble with the creditor from day one. They have purposely tried over and over to inform me that I'm behind and they are coming to repo the shed. I have attached a copy of a letter from one of the multiple attorneys that XXXX XXXX XXXX   has had contact me. XXXX XXXX XXXX is the creditor for the shed. I have always paid the payments online well when I went on to the website to make my payment it told me that my account is invalid? So after numerous attempts to contact XXXX XXXX XXXX I finally was informed that I was several months behind and accumulated late fees. They changed my entire account numbers everything. And in the contract it states that NO changes are to be made without both parties hand written signatures. I will also attach emails from the company as well as a letter I received from Berman and Rabin PA stating that I have until XX/XX/XXXX to pay {$520.00} and then I can continue to pay my payments as if it never happened? It shows on the letter from Berman and Rabin PA that my contract began XX/XX/2015 it's a 3 year contract so that would mean pay the {$520.00} and there should only be 7 payments remaining. I tried to take care of the situation on my end only to be told that I would have to contact the office of Berman and Rabin PA but the letter from Berman and Rabin PA states that I need to get ahold of the creditor. Which is it? P.S they don't have any of the dates correct. XXXX XXXX XXXX  also informed me that Berman and Rabin PA would be contacting me on Thursday XX/XX/XXXXthey never did. And XXXX XXXX XXXX has locked out my online payment portal. So they have not even allowed me to speak with someone nor if I was to make a payment then HOW!?!?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I opened a loan with One Main Financial. I had one insufficient funds fee about 2 years ago. When I called to pay the fee the loan officer told me not to worry about it and to keep making payments. I was almost done paying my loan when I couldnt make my last 2 payments in XX/XX/XXXX. I spoke to several people including XXXX about not having money due to being laid off and unemployment not processing my payments. They were rude and called me almost every day at different times of day harassing me for payment. I was finally able to pay my last installment in XX/XX/XXXX. I thought I was done. Then I received a call from One Main that I had to pay the insufficient funds fee ( I had forgotten ) but I also had to pay interest on that fee. I asked for an explanation as to why I was charged the fee but the guy on the phone just said I had to pay it. I paid it so I wouldnt get called every single day.

Company response to consumer: Closed with monetary relief