BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: HYUNDAI CAPITAL AMERICA
State: TX
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: Problem with personal statement of dispute

Complaint:
In XX/XX/2021 I called to see about a payment deferral for one month. The customer service representative ( who seemed new ) said they could do the deferral and all I would have to do is electronically sign an agreement and it would be done. They emailed me the agreement which I signed and thought it was accomplished. In XXXX I found out my Credit Score dropped significantly and found out it was because KIA Finance reported I missed a payment. I have had a perfect payment history with KIA for 71 months. ( Contract recently paid off ) I tried calling KIA Finance but was always disconnected. Wrote a letter explaining dispute. They sent a form letter saying it was investigated and found no resolution. I filed disputes with all Credit Bureaus with no remedy. Finally had an attorney send a certified letter requesting an investigation and simple remedy of honoring the deferral and correcting credit reporting with no response after a month.

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 2018-02-01
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I got a letter from Wells Fargo Bank last week. Stating that someone opened an account in my name via online banking. And that this person used Online bill pay long after I closed an account back in 2011. I would like to receive assistance in this matter.

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 2018-03-22
Company: Select Management Resources, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I had taken out a title loan in Ohio against my XXXX XXXX XXXX  with the intent to use it travel back to XXXX XXXX  XXXX regarding my reestablishing my residency for the XXXX XXXX area. I had payment 's to make by XX/XX/XXXX paid that and XX/XX/XXXX a few days later on each because of my pay date but they were find with that. I lost my employment temporarily in early XX/XX/XXXX then finally in late XX/XX/XXXX/ early XX/XX/XXXX making payment. On XX/XX/XXXX I made a payment of XXXX which I was told by XXXX that was ok by that following Thursday I would have to pay XXXX. I called to pay XXXX. my payment was refused and I was told be XXXX that I had to pay XXXX my loan was for XXXX with a pay back set at XXXX I have paid off XXXX so far. This would leave XXXX they told me I need to come in person to refinance the loan and or pay off the loan ( two different things ) I was confused. I was to pay this last payment of XXXX on XX/XX/XXXX getting paid weekly for now would help me pay off the loan while I could they are refusing to take my money so I get my car taken. I live out of my car while I stay temporarily with a friend and wait for housing. That would have brought it down to XXXX. Then paying another XXXX this week would bring it to XXXX only because my pay is less I missed a day due to housing appt. I was late yes but I was on Now I am another week behind. but if I have so far paid on this loan XXXX I should not have to pay an additional XXXX if what is left is XXXX. I am being scammed and I was told I will loose my title after this Thursday XX/XX/XXXX if I don't pay the XXXX then come back to XXXX to refinance. Even if I owe now for the remaining balance they are trying to get beyond the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
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:
on XX/XX/2022 i noticed a {$69.00} charge on my XXXX bank account from Spirit Airlines XXXX card, i never applied for this card, nor have i ever received, or activated a Spirit XXXX  card. i call the number listed on XXXX to cancel the card, XXXX, this number goes to Bank of America, when i called it ask for card number or SSN to access account. I do not have the card number since i never received a card, i tried using my SSN but it was not found in the system. this is some shady business practices, how could i be charged if Spirit/BOA have no record of my SSN? and i have NEVER received a card. SCAM. They are taking advantage on consumers.

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 2019-03-26
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting a collection/charge-off account to all 3 of my credit bureaus that is not mines. I have no contract or business dealings with XXXX XXXX XXXX. I have never received any correspondence from XXXX XXXX XXXX stating that they owned this debt nor their intent to pursue collection & report erroneously to my credit bureaus. I have tried disputing and getting this issue resolved with XXXX XXXX XXXX for some time & see they have had action & lawsuits taken against them for using deceptive tactics to collect bad debts. I have requested documentation to include a signed agreement &  proof that XXXX XXXX XXXX  owns the debt ( along with copies of anyone else who has owned this erroneous debt ). Upon contacting the said original creditor, they acknowledge they do not have any knowledge of this account. XXXX XXXX XXXX  refuses to comply and has constantly changed the dates on my credit file & keeps reinserting this derogatory account, I believe in an attempt to make this a valid debt. XXXX XXXX XXXX is in willful non-compliance with the FCRA. With identity theft, data and security breaches on the rise I am sure XXXX XXXX XXXX   understands the importance of properly investigating my concern. Most recently when I tried disputing this debt I expressed the great financial and credit burden on my family as we were recovering from medical issues. XXXX XXXX XXXX even ignored those facts and continued to ensue the damaging affect on my family. I will continue to document my efforts to get this issue resolved. If this is not resolved I intend to pursue litigation & seek monetary damages. I am confident I will prevail and will not be interested in settling after legal expenses are paid. I believe it will be in XXXX XXXX XXXX 's and my best interest to resolve this issue prior to litigation to avoid unnecessary out of pocket expenses.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: TX
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:
To whom it may Concern I'm a Victim Of identity theft. These Account that is On my Report. I did not Give any One consent To Open These Accounts. All Accounts are Fraud This is very Stressful I'm a single Mom Trying To do right for my Life now Someone is trying to Destroy my Name and Life Please help me Resolve This Situation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: Southwest Credit Systems, L.P.
State: DC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit file for all three-credit bureau, and I notice this debt or collection account does not belong to me. This company is listed in collections and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
on XX/XX/XXXX, Ally called my mom looking for me -- said they were trying to contact me -- -I had already contacted them on XX/XX/XXXX, Ally called my girlfriend, XXXX , looking for me -- -said they were looking for me but could not tell her why -- -I called them back and spoke with XXXX -- -I asked why they called XXXX -- XXXXshe said , well, it should not come to that, now should it on XX/XX/XXXX, Ally called XXXX again and left a message -- XXXX called them back, curious as to what was going on -- -they told her I was several payments behind and my vehicle was up for repossession and I was not calling them back -- -not true on XX/XX/XXXX, they called my dad, XXXX, and told him they were looking for me but could not tell him why as he was not on my 'ok to give information to ' list why did they tell XXXX what they did when no one but me is on the 'ok to give information to ' list?

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 2017-11-29
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was foreclosed on during remodification process. I was led to believe that I was being processed in XXXX with documentation from the servicer with contact numbers that would not except my calls or relay me to an extension of the rep. whom was handling my case when trying to contact and follow up. Ultimately I was given a 3 day notice of eviction by the Sheriff ( XXXX XXXX XXXX @ XXXX ). I had filed for bankruptcy protection and the law firm went to court to have it lifted as I was awaiting a modification. I later was informed by NACA ( 3rd party entity ) helping with the modification that the home had been sold in XXXX XXXX. It was XXXX when I received the modification documentation. I was receiving billing statements monthly throughout this year. 

The servicer did not : Quickly resolve complaints and share information. 

Have and follow good customer service policies and procedures. 

Contact you to help you when youre having trouble making your payments. 

Work with you, if you are having trouble paying your mortgage, before starting or continuing foreclosure. 

Allow you to seek review of the mortgage servicers decision about your loan workout request. 
I am now leaving the home with a XXXX and XXXX under XXXX  circumstances.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: Experian Information Solutions Inc.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2.. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX Account Number : XXXX 30 days late in XX/XX/2021 and 60 days in XX/XX/2021. 

5. XXXX XXXX Account Number : XXXX days late in XX/XX/2021, 60 days inXX/XX/2021 90 days in XX/XX/2021, 60 days in XX/XX/2021.

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 2018-10-18
Company: Ad Astra Recovery Services Inc
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I received communication from the company AD ASTRA claiming I have a debt with them. I need the following : Were you named on the original contract with the original creditor? 
Do you have a contract between your Ad Astra and me, signed by both parties?

If not, produce the document authorizing the release of my information from the original creditor to you ( Power of Attorney ), signed by me.

It is against the law for a creditor to share my information to any party other than the account holder without my authorization. Giving my information to a 3rd party without my knowledge or consent is perpetrating identity theft. 

Do you have first hand knowledge about everything that has transpired with the alleged account, including when the account allegedly belonged to the original creditor and any other parties prior to your acquisition? 

Do you have written consent to collect information about me and to share information about me with the credit reporting agencies - in writing, signed by me? 

Even if I checked the box that they could share my information and that they might forward it to a collection company, unless XXXX XXXX XXXX is specifically named in the original contract, I am not liable to them. 

Sending old billing statements from a is the same thing is not validation Where is the recorded assignment from the original creditor to them? How much did they pay for my information? 
Where is the contract showing that I agreed to do business with Ad Astra Recovery specifically? 

73 AmJur 2nd, Sections 90 and 93 state that they can not substitute onto a contract unless they have an interest to protect. That means that they have to be clearly and specifically named on the original contract to have an interest to protect.

While on the phone with this company a representative even stated that I have no contract with Ad Astra.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Diversified Consultants, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2018 I noticed that Diversied consultants had put an account on all 3 credit reports from XXXX XXXX XXXX in the amount of {$200.00}. The account says open. This information is incorrect and not true. I contacted the company to let them know about the inaccurate account that they had put on my credit reports. The issue didnt get taken care of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
i Wired XXXX $ to XXXX/coinbase on XX/XX/2018. It was a same day wire and my bank confirmed to me that the recipient has got the money on their account. 

I called XXXX/coinbase customer support to confirm and they said that since i did not include the recipient message in my wire, the wire would be automatically returned to my bank account within 10 days and now it has been over 35 days and i still haven't got the money back in my bank account. 

Every time i call the XXXX  support regarding this they give the same answer that my case has been escalated and i should get my money soon. 

I called the XXXX XXXX XXXX and they confirmed that funds were recieved and that they have to get instruction from coinbase to send my money back. 

I even gave my iban number to XXXX/coinbase so that they can track the wire. 

my case # XXXX my iban : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft and I write to dispute certain information in my file fro the crime. I have included the items in this letter and listed items within my affidavit. Please block and remove this information immediately. 
As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the items be removed and corrected.

Delete the following accounts : 1. XXXX XXXX/XX/XX/XXXX not mine 2. XXXX XXXX XX/XX/2017 not mine.

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 2021-11-05
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: Reporting company used your report improperly

Complaint:
Recently i received a copy of my Equifax credit report and noticed multiple inquires unauthorized inquiries i did not authorize from unknown sources, i did not give permissible purpose for Equifax or any one else to run my credit, i did not apply for loans or any credit cards. Equifax gave credit card companies access to my credit report without my person. I dispute this several times in the few months, i would get an instant result saying the dispute has been resolved, but when i access my credit file nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: SUNTRUST BANKS, 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: Public record information inaccurate

Complaint:
SunTrust Bank ruined my credit by reporting me to a nationwide credit agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. SunTrust took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to SunTrust Bank they can not explain logically why SunTrust did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to SunTrust Bank actions. SunTrust has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.

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 2022-08-11
Company: EQUIFAX, INC.
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

1. XXXX  XXXX Account Number : XXXX 30 days late in XX/XX/2021 and XX/XX/2021. 

2. XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

3. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021. 

4. XXXX XXXX Account Number : XXXX 30 days late in XX/XX/2021, 60 days in XX/XX/2021, 90 days in XX/XX/2021, 60 days in XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: Credit Services Corporation, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Paid off balance with the company. Was owed money by the surgeons office, they remitted this money not to me but to HCS. So, I contact HCS about them sending me a refund and was told it can take up to 60 days. Well, 60+ days later and they are researching. There is nothing to research, they owe me what came in from my doctor incorrectly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I went this auto shop on XXXX  to purchase a XXXX XXXX XXXX the check engine light comes on and another light i been notified XXXX XXXX i been notified the owner i originally went to help XXXX XXXX with his landscaping company in which he registered at XXXX XXXX under XXXX XXXX XXXX option and they probably gave him a debit card of XXXX or something like that where he could start a loan company under this bank. Now this same person came to me and got {$600.00} cash told me he would give me {$900.00} plus pay ticket if got stopped by police i got stopped right by XXXX XXXX on XXXX  of the day of court he told me he would give me my money i called no reply from him about my money i dont want his lawn mower or trimmer for cause it is no where near what i gave him period. He is a swindler thief and i want my money he owes me out his chase account this money i gave him was money for my vehicle to be registered with dmv he never gave me not a penny of my money back period this fake person is not welcome in Nothing of mines with government nor anybody thats like him. Him and XXXX XXXX think they slick and probably XXXX XXXX  they been stealing how are these people getting jobs at Banks and taking people money this same lady i used to give money to turned around and bite the hand that helped her i did nothing to this lady her and XXXX XXXX  is wicked. And i think they are doing this under XXXX  XXXX  XXXX XXXX  etc. When most of these banks like XXXX XXXX  are connected to places marketing companies that are slave holder like XXXX the prophet noble XXXX XXXX said if u aint carefully your brother will try and keep you in slavery XXXX XXXX  acts like that type brother people that mooch off people act like that rich people get rich off poor people that is slave wages and unions loan shark XXXX XXXX is a crook give him a fdic federal case of loaning money from me and not paying it back from chase like suppose give him a federal case and see if like it cause he playing with my money and got me in trouble. I reported him to fbi already. XXXX XXXX robbery is what im calling his charge.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: WELLS FARGO & COMPANY
State: OK
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:
My account shows as delinquent when it was not ; the company selectively and subsequently closed my account and reported this to credit bureaus.

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