BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-03
Company: HYUNDAI CAPITAL AMERICA
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 information incorrect

Complaint:
I sent in a dispute latter 30 days ago, and still havent received any updates yet.

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 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I called XXXX XXXX to pay half if the bill of XXXX which is XXXX, I was told they they could not accept it.this was on XX/XX/XXXX 4th

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I called Trans Union on Thursday XX/XX/2021 to dispute inquires that are on my credit report. I was informed that I was not able to dispute inquires with Trans Union and that I would have to contact the companies to get a deletion letter from them and then send it back to Trans Union. I asked to speak to a supervisor and was connected to one. The supervisor told me the same thing. I then called the Consumer Financial Protection Bureau who told me that what I was told was incorrect. If the information is on my credit report then it is able to be disputed and investigated. I then called back to Trans Union and informed the agent of what the CFPB told me. He then told me the same thing that the other agents said. When connected to another supervisor I was told the same thing as well. I was not able to get my items disputed.

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 2018-03-28
Company: Goldberg & Peretti, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
To Whom it May Concern : I paid XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} on XX/XX/2014, for my XXXX XXXX account that was overdrawn. They used aggressive tactics, scared my family & I felt like I had no other choice but to take out a loan from my retirement & pay this company. After conducting research, I realized that this is a fraudulent company & they never even communicated to XXXX XXXX that my debt was paid. There email addresses are incorrect & there building address is not even real. I only owed XXXX XXXX about {$600.00} ( half were from overdraft fees ) & now about 10 years later I'm still getting phone calls from 3rd party debt collection agencies still asking me for money on this old bank account. I'm getting so tried of these phone calls & just want it to stop. I also have a release of liability document signed by XXXX XXXX XXXX XXXX XXXX XXXX that I can sent to you. I sent this email below & it came back as an error. Now I'm out over {$1000.00} & I'm still being harassed, what do I do? Please help! 
~XXXX XXXX XXXX XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX <XXXX> To : " XXXX '' <XXXX> Subject : File # : XXXX This email is to address the fraudulent charges against me. 

I am filing a law suite against your company for deformation of information and malicious intent. I spoke with XXXX XXXX today and this is a federal offense. The money I gave to your company on XX/XX/2014, was not paid to XXXX XXXX and my debt was not released. I am represented by XXXX XXXX XXXX XXXX, and will prosecute you for bank fraud. Per the attached document on XX/XX/XXXX, my debt was paid to XXXX XXXX by your company, and this is false information. 

I need the owner or supervisor to contact me immediately. 

- XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-08-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not authorize this debt and it does not belong to me. Please review the attached documentation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all 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
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
to whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of collection that are reporting has not been opened by me i have no knowledge of them, be advise by law i have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused collections accounts and dates FOLLOW AS : XXXX XXXX XXXX opened XXXX XXXX FOR {$450.00}, XXXX XXXX XXXX XXXX XXXX FOR {$460.00}, XXXX XXXX ON XXXX XXXX FOR {$620.00}, XXXX XXXX XXXX XXXX XXXX ON XXXX XXXX FOR {$1900.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATION ... THE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX  ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA. under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2018-02-03
Company: Newman & Marquez, P.A.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In XX/XX/XXXX I moved to XXXX for a XXXX XXXX after college. This was a big change and didn't have a physician, doctor or anything. So in XX/XX/XXXX I went to an XXXX XXXX in XXXX. The documents attached will give you all of the information. I went to the XXXX XXXX to find a new doctor and more information because I was trying to set up my life and all of that. Well I went to the XXXX XXXX in XX/XX/XXXX, and after two hours saw the doctor and she handed me a script and left. I decided to never go back there because it was very dirty and these places aren't too pleasant. Initially, I rarely remembered seeing the doctor. THEN TWO YEARS later I receive a medical debt collection. First I didn't remember this because I went to a new doctor right afterwards. After remembering, I was like is these even fair? I never received any bills or anything. Even when I moved all my mail was forwarded to me. I never had this problem. So instead of contacting me over the two years, they sent my bill right to debt collections. Is that legal? XXXX XXXX had my phone number and email. Then I never received anything in the mail. They never contacted me. Everyone I went to and XXXX XXXX I paid before my visit. But after two years I couldn't even remember.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: JPMORGAN CHASE & CO.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, a XXXX XXXX XXXX check in the amount of {$12000.00} made payable to me ( XXXX XXXX ) for an injury payment from XXXX insurance was stolen. Although the check had been endorsed to my XXXX XXXX XXXX XXXX account, had the account number and " for deposit only '' on the back of the check, the thief was able to replace my name with their name and address on the front of the check ; replace my signature on the back of the check ; however, the account number or " for deposit only '' was not tampered with. The check had already cleared when I became aware it had not reach my financial institution. According to a copy of the cleared stolen check that I obtained from XXXX it looks like the check cleared or was deposited on XX/XX/XXXX at a JP Morgan Bank. Even if the " fake name and signature '' on the check matched, what is the probability that the thief and I had the same account number???? A police report was filed and I have been working through XXXX to get the issue resolved. XXXX XXXX, my XXXX injury case manager that the process could take up to 90 days and that XXXX XXXX XXXX would contact me and send a package of information to complete for its investigation, initially told me. XX/XX/XXXX, I had not heard anything from XXXX XXXX XXXX so called and emailed XXXX XXXX. I asked for points on contact for XXXX XXXX XXXX at that time and was told XXXX XXXX would be the liaison and follow-up on this issue. This process was new to him as well and he was following the guidance of his supervisor. There have be intermittent follow-ups. My last update from XXXX XXXX on XX/XX/XXXX ; he stated that XXXX XXXX XXXX was trying to get the bank to make good on the check because it should not have been cashed and the outcome would be known on XX/XX/XXXX. I called ( left a voice message ) and e-mailed XXXX XXXX on XX/XX/XXXX after not being contacted with any new information. This lack of information has been occurring throughout and I have been very patient during this wait time. I asked for information on points of contact at XXXX XXXX XXXX, file number associated with this case and other information, as I needed to be much more involved and explore other options. I am very exhausted at this point. I spoke to someone in this office ( Consumer Financial Protection Bureau ) and told how to submit a complaint on line. If your office can help in any way, I will be most grateful. I was also told to contact the Georgia Bar Association to get the name of an attorney in my area. 
( Note : I think the check may have been stolen from my mailbox but am not certain. I send checks from my rental property to my bank that was as well and this has never happened ). I do not put anything of value directly in my mailbox anymore. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: EQUIFAX, 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:
XXXX XXXX obtained this account from XXXX XXXX and it was placed on Mt credit file. This account with XXXX XXXX was included in my 2018 bankruptcy so they should no longer bill me or place account in collections as of 2018. Can you please assist in removing both accounts from XXXX XXXX XXXX XXXX as it is against the law to place account that were included in my bankruptcy on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX on XXXX XX/XX/2021 I have Mr. Cooper mortgage for years now. On XXXX XXXX XXXX I made an additional payment of $ XXXX towards my principal. More than 4 days - it's not reflected in the Amortization schedule ( Amortization schedule is not even visible ). Even after so many additional principal payments, Payoff calculator is way off and it still shows XXXX maturity date while it should start showing something like XX/XX/XXXX/XX/XX/XXXX as the initial date. There are lots of discrepancies on their website to reflect the balance and total. When called customer service on Friday and also chatted - i was assured of fixing this - but no fix till this point of time. Customer service there is a long wait. Auto bot doesn't let customers talk to the real person. 
Finally after a lots of follow-up I got the amortization schedule via email but it is not reflecting another additional principal payment of {$4700.00} made on XX/XX/2021. 
I did numerous chats and phone calls. Why i should depend on inefficinent humans to see my revised amortization schedule? 
Why the online amortization schedule is not visible now? 

Worst thing, after turning on escrow account, there is no transparency. Amount of escrow account is not in sync with all the sections of my online account. It seems that there are too many internal buggy systems in Mr. Cooper and everybody from different IT department is showing a different $ $ figure at various places. 
Highly inefficient organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: ECMC GROUP, INC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
i have been requesting and trying to work out payment agreement with Educational credit management corporation for years with no resolution now all the payments that I have made over the years were not applied now my taxes were sent to this company when i was told this company no longer has my account when you start to dispute companies they transfer your information to other companies which makes it harder and harder to dispute and you are steady been charged ridiculous interest on the account. I received a letter XX/XX/2016 that this company will no longer hold any monies per federal law. please explain this to me.

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 2021-02-22
Company: FISERV INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Check number XXXX was stolen from my mailbox from an unidentified person and subsequently cashed at an undisclosed XXXX on XX/XX/2021. I became aware of this on XX/XX/2021 and reported the fraud to my bank on XX/XX/2021. My bank investigated the fraud and returned my money an issue to stop payment on the fraudulent check. XXXX then sent my information to TRS services to collect a debt of {$470.00}. I contacted the debt collector to inquire about the voicemail left and was told I needed to file a fraudulent complaintWith documents from the bank in order to have this removed from collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
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:
XXXX and XXXX credit bureau 's along with the Original Creditors have been reporting negative information at least 2 years on 3 accounts in my credit files.The accounts were investigated and deleted from XXXX XXXX in XX/XX/XXXX while the other CRA 's refused to remove the erroneous items after numerous rounds with them and the suppliers of the information. I sent numerous FCRA 611 and 623 certified letters with either no response or with little documentation to warrant reporting of the items in violation of the FCRA for both the CRA 's and Original creditors. Yet, they continued to verify that the information was complete and accurate after investigation/re-investigation. In the instance of XXXX XXXX, they reported amounts owed of XXXX on previous disputes then jumped to XXXX in others with no proof to substantiate the debt or response to 623 letters. Toyota Motor Credit responded to 623 letters only saying they verified that the information to be true and correct but I have yet to see and documentation from them proving this. XXXX XXXX XXXX was the same in their refusal to delete even though the CA  they sold the account to had deleted the negative information in XXXX. All the information that was investigated and re-investigated shows inaccurate and different information across all the CRA 's so how could it possibly be verified as accurate and complete based on credible investigations?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
It's the 3 credit bureaus especially trans union I request my consumer report about 2 years ago I never received it so last week XX/XX/2020 I get a card in the mail saying I have 7 inquiries on my report I haven't required about anything so I responded on the back of the card I have a credit freeze on the 3 bureaus but when I try to call in to any of them they say they can't help me at this time and hang up. The begining of XXXX I tried to get a credit card online went on the website to release my freeze they replied not at this time so I can't talk to anyone on the phone or online so I'm wondering is someone using my information and I asked them to please use my whole name and they won't I have no trouble online with XXXX  XXXX  I can communicate online with them but to call they give me a run around they need face recognition

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 2018-03-29
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
11 years ago we took out a loan with Rushmore Loan Management Services, XXXX XXXX XXXX XXXX, XXXX, Ca XXXX for the amount of XXXX. In XX/XX/XXXX they stopped accepting payments saying that our loan had " matured ''. They wanted the full balance of approximately XXXX. We started the process of withdrawing money from our XXXX. After the money was received we called to submit payment and our payment was denied due to our balance had grown to over XXXX with interest. We've made several attempts over the phone to make this payment plus mailed a check for the XXXX to try and stop the extremely high interest we are accruing. As of today ( XX/XX/XXXX ) we were once again told " No ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I set up a money transfer with Western Union through my bank ( XXXX XXXX ) and when I went to pick up the transfer the store clerk said he had a strange thing happened, half way through the transaction the process ended. and he did not give me the transfer and I did not sign anything but it shows everywhere the money was picked up. I called Western Union customer service and they gave me a number for the clerk to call which did not work. The W/U MTCN number is XXXX. I gave my bank a message to stop payment but they did not do it. I am out {$760.00} Western Union was no help, the store was no help and my bank was no help. Thank You : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The credit bureaus are still reporting inaccurate after their investigation.

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