BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-15
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I made a payment in excess of what I owed on my vehicle loan. The payment was for {$620.00}. For whatever reason, the payment was not applied to my account, I contacted the company immediately, but they have a procrastinated, terrible, and antiquated way of communicating. 

On XX/XX/XXXX, I spoke to one of their CAT agents, who was supposed to resolve the billing issue, ensure no back interest, late charges, etc. 
I was advised it would be resolved within 24-48 hours. It never was. 

Ive been communicating to Hyundai via their XXXX attempting to engage someone in their executive leadership team, because this practice is violating federal and state laws governing Fair Debt Collection practices. And this is an egregious example of such, I had to instruct the collections Dept. of this company to suppress credit reporting, or Ill initiate an immediate lawsuit for violating the above rights I hold as a consumer, and for violating my vehicle contract. 

I have since made multiple efforts, multiple emails, multiple calls, and multiple messages to their corporate twitter. 

In all instances the matter continues, is exacerbated by them telling me Im delinquent or routing me to their internal collections team, then telling me their trying to collect upon a debt I do NOT owe them. 

This is not only illegal, its despicable. 
The company agent advised me that their was an internal billing system change/update, which caused this problem not just for myself but for countless customers. 

Hyundai took NO action to notify customers affected, nor did they attempt to inform customers that they would take proactive actions to mitigate inappropriate, and or unlawful collection calls or attempts, especially for debts that are not in a collectible state. 

As of today XX/XX/2020, their rude customer service agents still have not resolved this issue. 

I will NOT be making any payments to my account, until this issue is resolved, and if Im charged late fees, or added interest beyond my normal due date, that will not be remitted to this company. 

Ive been speaking to your agents whom are paid by your consumers, such as myself, and this issue is unacceptable, likely illegal, and will not be tolerated by this consumer any longer.

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 2023-05-24
Company: EQUIFAX, 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 unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: Navient Solutions, LLC.
State: MN
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Navient claims that " It is our position that your loans were qualified educational loans as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986 ; therefore, the loans are not discharged in your bankruptcy filing ''. However, that statement is out of context because once a debtor proves to the court that if the debt is not discharged, it would would impose an undue hardship on the debtor and the debtor 's dependents I submitted all the documents required by the court to substantiate the hardship and a federal Judge ordered discharge of the debt. Navient was properly included in the bankruptcy petition and in the creditors matrix. Navient did not initiate an adversarial proceeding within the time frame required under the law to prevent the debts from being discharged.

The facts are very clear in this case : 1. Navient was included in the bankruptcy filing 2. Navient failed to initiate an adversarial proceeding as required under the law to prevent discharge 3. The undue hardship on the debtor and the debtor 's dependents test was met as determined by the court 4. Discharge was granted.

The Fair Debt Collection Practices Act forbids Navient from collecting on a debt that has been properly discharged by a court. Navient must act swiftly to remove these accounts from all applicable consumer reports. This is my formal notice to Navient to cease and desist from all collection efforts related to this account because in the United States, it is illegal to attempt to collect on a debt not owed. 

Lastly, Navient my XXXX 's request for documentation from Navient proving that the debt is valid, and that Navient has a right to collect on it. Additionally, Navient has failed to provide documentation showing the validity of the debt including original promissory notes with my signature on it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I engaged the XXXX XXXX XXXX firm to help me work out a modification. 
PHH Mortgage still tried to foreclose. They tried to serve someone at my house today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: EQUIFAX, INC.
State: MD
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:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 usc 1681 section 601 states i have a right to privacy, 15 usc 1681 section 604a 2 also states a consumer reporting agency can not furnish an account without my written instructions, 15 usc section 1666b a creditor may not treat a payment on a credit card account under an open ended consumer plan as late for any purpose. My data was breached by the cfpb, XXXX, XXXX and equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-25
Company: Novad Management Consulting LLC
State: MN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
My mother passed away on & XXXX. She had a reverse Mortgage with Novad. Sent them a registered mail to them on XX/XX/XXXX. Certified rec 'd to Novad on XX/XX/XXXX. when I didn't hear from them I sent a fax onXXXXXXXX, it was sent conformation confirmed. This was stated both times " Please initiate Deed-In-Leau of Foreclose ''. I am not on my mom 's title for home. I have called the number for XXXX and one for HUD. I have sat on hold for over 4hours on both numbers only to be disconnected! This is for XXXX XXXX XXXX property address XXXX XXXX XXXX XXXX MN XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: DISCOVER BANK
State: NY
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:
the following accounts that appear on my credit report are not mine, they were not authorized, please review Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 
Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-15
Company: TD BANK US HOLDING COMPANY
State: NY
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:
XX/XX/XXXX To whomever this may concern, Hi, I would like to formally submit a complaint against TD Bank I have a business account with them that is associated with my XXXX XXXX company. Recently between the months of XXXX and XXXX I had a previous client named XXXX XXXX whom I provided a refund use my account and routing number in order to make unauthorized transactions. The following unauthorized transactions were XX/XX/XXXX for {$0.00} from XXXX, XX/XX/XXXX for {$100.00} XXXX XXXX, XX/XX/XXXX {$260.00} for XXXX XXXX, XX/XX/XXXX {$490.00} for XXXX, XX/XX/XXXX {$550.00} and XX/XX/XXXX {$210.00}. I saw the transactions and saw they were not from any of the bills for my business. I decided stop by TD Bank located at XXXX XXXX XXXX, XXXX, NY XXXX and I spoke with an XXXX American woman who I explained my concern and how I need them to help me close the account. She stated to me, " We are not able to close your bank account, the charges are pending they have to go through first ''. Since I realized I was not getting any help I decided to call TD Bank Customer Service to speak to a representative over the phone regarding the problem. The lady I spoke with over the phone asked me if I know a XXXX XXXX because he made a charge to XXXX with my account and another account for a XXXX XXXX in connection to XXXX and XXXX. She suggested we close down the account and open up a new account in addition to calling all the automatic withdrawal bills to contact them and tell them this account will no longer be in service. She helped me put in a claim for every transaction that was unauthorized and that within 10 days I would have my funds back. Recently I received a letter from TD Bank from the ACH Department notifying me that they are unable to refund me the XXXX charge for {$210.00}. The reasons were because it was non-revocable, or the revocation was not done in time to allow the company to act on it, therefore I would need to contact XXXX. I called XXXX on XX/XX/XXXX as soon as I saw this charge on my account and they told me their not aware of this transaction because it was not associated with my personal or business account. The only option I had was to contact my bank as it was still pending and they would not have anything to do with it since they had not received the funds. All of the unauthorized transactions have been refunded to me except for the charge of {$210.00}. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act XXXX account XXXX  XXXX # XXXX has violated my rights.15 U.S.C 1681 section 602 A I have a right to privacy.15 U.S.C 1681 604 section 2 XXXX states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On all 3 of my credit reports, I have 2 different Debt buyers reporting I have 4 different loans that went into collection. 
I can prove to you that the debt buyer XXXX XXXX XXXX has 2 loans on my credit report, but its the same loan, they just put another account number and a higher debt this loan. ( account ). Every time I ca ll they don't won't just the past due bill, they want to make a payment plan, that I simply can't afford. They will not work nothing out with me nor will they take 1 of the same accounts off my credit. I've complained to all 3 Major credit bureaus with no luck. I can also prove that another debt buyer has 2 of the same accounts on my credit report. These are old debts, I have no excuse, but they or doing me wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
- My name is XXXX XXXX, last four of my SS # IS XXXXMy account number is XXXX. I am writing to dispute the late payment reported by Kohls. I have been impacted by XXXX. Not only did I have the XXXX  and was in the hospital for a long time, I lost my job. I spoke with KOHLS and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from Kohls! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. Kohls needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES CALL ME ONCE THAT IS DONE! MY ACCOUNT IS NEGATIVE {$140.00}! I WAS NOT TOLD BY GOING INTO A FOREBARACE, THIS WOULD PUT MY ACCOUNT OVER THE CREDIT LIMIT! This should be illegal! My credit is ruined because of this! This is a UDAPP VIOLATION AND A CARES ACT VIOLATION!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: Nelnet, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I went to XXXX University from XXXX and had student loans for tuition through XXXX, serviced by Great Lakes Student Loans from XXXX through XXXX. In summer XXXX ( XX/XX/XXXX ), XXXX switched servicers from Great Lakes to FirstMark Student Loans. At that moment in time all student loans ( different years / semesters ) were paid on time and paid ahead. All payments from XXXX to XXXX were made on time and for an amount above the minimum payment required resulting in paid ahead balances. FirstMark had different privacy policies than Great Lakes that I was not familiar with. In the communication from XXXX, I was told my accounts, login ID, passwords would not change. And that was true. I continued to login with the same ID and password and make the same monthly payment as had been for the past 10 years. In XX/XX/XXXX/XX/XX/XXXX, FirstMark reached out saying I did not make a payment on my student loan. I checked my bank account and money transferred from my bank account to FirstMark for the same amount as had been for the past 10.5 years. FirstMark / XXXX reported this to the Credit Agencies taking my Credit Score from just above 800 down to about 710. Eventually, FirstMark and I were able to determine that FirstMark had different privacy settings than Great Lakes and that had led to the payments ( {$600.00} per month for 10.5 years ) to not be applied in the same manner than Great Lakes had applied them. This caused one of the loans to not be receiving part of that {$600.00} payment. The remainder of the {$600.00} payment I continued to make was being applied to paid ahead balances on the other loans while letting this one loan go into default. Through all of my communication with FirstMark they agreed they were in error and would fix this. However, it was never done. I was continually spun in circles. It was eventually escalated to XXXX executive offices ( XXXX ) who did a review and said that I never made a payment on that loan and therefore it was in default. Subsequently, the following month I made the same {$600.00} payment and the {$850.00} balance of the loan went to {$0.00}. FirstMark moved paid ahead balances from other loans to that loan to pay it off and then close it. I did not request FirstMark to do that action. When I followed up with FirstMark to ask how that happened the service representative was not able to explain how it happened and said that it shouldn't have. If FirstMark had that capability then why would they have not done it before putting the loan into delinquency. I have been in communication with FirstMark and XXXX for the past three ( 3 ) months and have continued to just be spun in circles. I don't know where to turn to at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: CITIBANK, N.A.
State: FL
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:
On XX/XX/2020, I went to check my credit card statement online, and found out that both of my accounts were closed by the company. I then immediately called customer service and they acknowledged that Citibank 's Executive Response Unit closed the accounts, refused to give me an explanation of why they closed the accounts, and refused to issue me new credit cards. Currently, I have no credit cards and have to resort to borrowing money from family to pay for food and supplies. The only solution they gave me was to write a letter to the president of the company and request that my accounts be re-opened. 

I had a picture of the web page showing the closed accounts but I could not upload it because it exceeded 10 MB

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: DISCOVER BANK
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I finished the process of opening an account with Discover Bank. Over the next few days, I deposited into my account what was worth {$2300.00} in checks. On XX/XX/XXXX, I received an email saying my account was suspended due to suspicious activity and I needed to contact Discover immediately. After contacting them, submitting further information to prove my identity, I spoke to several employees. One of them told me she was having specialists assess what was going on and that they would contact me later that day or early the next morning ( XX/XX/XXXX ). By around XXXX  on the XXXX, I had still not received any notification from Discover so I called myself. I spoke to an employee who told me my account had been permanently closed due to a business decision and that they would send a check eventually. Later on that day, I called back to ask some questions, specifically about if there is any way I can find out the exact reason why my account was closed and when I will be receiving my {$2300.00}. The employee speaking with me said that the business decision could be a number of reasons and that the reason why is not disclosed to him. He also told me I need to wait 60-90 days to receive my money. I have received NO correspondence from them about what is going on besides the original email on XX/XX/XXXX. I am not sure what to do, if there is even anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: HW Holding, Inc
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Debt collector sends initial FDCPA notices via email, but does monitor or respond to emails sent by consumers. Debt collector sent initial notice via email in XXXX, XXXX. A dispute was sent in response via email on the same day. Debt collector continued to make collection calls without verifying or validating the debt ( which is in fact a claim for damages by a former landlord, not a valid debt supported by contract or legal judgment ) until a demand letter from an attorney was sent in 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 2018-02-09
Company: Fay Servicing, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1 ) TAXES FOR XX/XX/XXXXWERE NOT PAYED! 
2 ) AMOUNTS WITHIN LOAN ARE IN DISPUTE! NEED COMPLETE SERVICE FILE!!! 
3 ) LAST MORTGAGE STATEMENT PRIOR TO THE ONE I RECEIVED FOR THE MONTH OF XX/XX/XXXX, WAS DATED XX/XX/XXXX, NOW I HAVE WRONGFUL LATE CHARGES ADDED TO MY ACCOUNT. FAY DID NOT PROVIDE MORTGAGE STATEMENT FOR XX/XX/XXXX, XX/XX/XXXX, NOR XX/XX/XXXX. BLATANT THEFT AND VIOLATIONS CONTINUE!!! SEE ALL OF MY PREVIOUS COMPLAINTS. 
4 ) PAYOFF REQUEST DID NOT MATCH TOTALS WITHIN LOAN. 
5 ) XXXX FROM XXXX AND FAY DID NOT MATCH TOTALS PAYED ( ONCE AGAIN )!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation