BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
I received a notice from XXXX XXXX a month ago, stating my score had dropped. After checking this report, I noticed Capital One reported my account late. I entered into an agreement with a third party, consolidating all of my credit cards. Capital One signed on XX/XX/2017, with the new terms and monthly bill. After founding out this information, I called and spoke with Capital One, that said, they were behind on reporting and it would be experdiate and handled in a timely manner. As of today, nothing has been done and my report is still negative. I am working on my credit to buy a house, and this is hurting my chances.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Experian Information Solutions Inc.
State: MO
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: Was not notified of investigation status or results

Complaint:
I have filed with XXXX, XXXX, Experian, XXXX  XXXX, XXXX XXXX, and more! I can't even get a credit report right now because it says I'm entering the wrong information! The one I can get from Experian tells me a have a card with XXXX XXXX, a mortgage, a car loan. I've been telling you guys for years I applied for a XXXX account and have been told by XXXX gov and XXXX that my account number XXXX is a account with them but it's not under my name or social! Credit report after credit report has been requested in XXXX XXXX! I was locked up at XXXX. XXXX XXXX XXXX at XXXX Honor XXXX XXXX, XXXX, XXXX since XXXX XXXX and was originally incarcerated XX/XX/XXXX and didn't get out till XX/XX/XXXX! How did I order credit report after credit report? How did I open account after account? How did I take out a loan? Someone is definitely using my accounts fraudulently! Please help! Every credit report is incorrect and has been since XXXX at least! What do I have to do?

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 2021-04-24
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I send in my payment to the address ( XXXX XXXX  XXXX XXXX OH XXXX ) per the company and it is not applied until they are able to charge additional fees and charges. This company has charged more than {$500.00} in additional charges. You can not setup to have it done on line without agreeing to giving your information to third parties. Attached is last months payment that was mailed on XX/XX/2021. It is still not on the new statement of XX/XX/2021. For new charges. For any additional information please contact in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Synergetic Communication Inc
State: MD
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:
Hello- I have been mailing letters, calling and emailing and have not received a response. I spoke with a representative in XXXX regarding a settlement letter I received for my account and settled my account with her that day. The amount was {$1500.00}, on XX/XX/XXXX. 

( XXXX ext XXXX XXXX XXXX ) It is now XXXX and not only is my credit report not updated to show as settled with no balance due, but XXXX is also stating that they have no knowledge of this because Syncom has not notified them. I spoke with Syncom ( the debt collector ) in XXXX and the lady stated it is showing as settled and sometimes it takes time and if it was not showing by XX/XX/XXXX, to do a dispute with XXXX. 
I do not like that I was lied to and possibly stolen from. Why would the representative state that the account was settled in full, and simply take my money and never report it as settled. I would not have randomly paid {$1500.00} to just deduct from the balance on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 4. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/2022 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022

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 2020-07-25
Company: CMRE Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid them but I am still getting collection letters. I found out that this company XXXX XXXX XXXX XXXX  XXXX has indeed been surprising those who go to the hospital known as XXXX XXXX XXXX in XXXX, TN with bills just like attached and an article that also states that theyve been doing this. I got two back to back bills one for {$40.00} and {$650.00} in a 2 week period. I dont understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Sps stated on a recent letter dated XXXX XXXX that I did not mention Covid relief on XXXX XXXX. I, have wittinesses and documentation, .recordings. I, also spoke to XXXX XXXX on XXXX XXXX XXXX on XX/XX/21 XXXX all Covid 19 discussions deferral and trial modifications, I was told I needed profit loss 2 year tax return 2 month bank statement and occupancy. I was told and it was recorded by this individual Covid relief end date was XX/XX/XXXX-my call was XXXX XXXX. In accordance to rep XXXX. XXXX XXXX. XXXX pm IIm requesting information not to be reported on my credit and back mortgage for the two months to be added on the back of the loan and not separated to be sold for collections and few months later with extremely taxes and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: CITIBANK, N.A.
State: RI
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:
My account was closed in error by Citi bank with a deceased code. While the account was closed, and as I awaited Citi bank to correct the error, automatic payments were no longer made on my account, and it was not possible to make payment otherwise. After the deceased code was finally removed from my account, it resulted in a charge off. I am requesting that Citi bank remove this charge off listed on my credit report immediately, because it has negatively impacted my credit score through no fault of my own and only due to the fault of Citi bank.

I have attached supporting documents and letters I have sent to Citi for reference and further details.

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 2018-10-16
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company did not give me adequate written notice to pay debt prior to reporting to my credit report. I have not lived at the address they have been contacting for the last 18 months. I never received mail notification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: SUNTRUST BANKS, INC.
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Suntrust closed my bank account. I only found out after I tried to activate a debit card. I spoke with 3 representatives over the phone, and one via their chat option. I was simply told that the account was closed due to suspicion of fraud. 

I applied and opened the account on WednesdayXX/XX/XXXX at XXXX XXXX. 
I called 2 days later to confirm that by opening deposit had made it to the account, but was told not yet. 
I called again on Monday the XX/XX/XXXX and was told the funds did reach the account. 
I received the debit card in the mail on Tuesday the XX/XX/XXXX. 
When I called to activate the debit card, I was told the account was closed due to suspected fraud. 

At no time did anyone try to reach me via phone or email to warn me that the account was compromised or under review for suspicion of fraud. 

The account is closed and I do not have access to my money.

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 2018-07-02
Company: Experian Information Solutions Inc.
State: GA
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 send a dispute stating I want documented proof of how they verified information and they sent nothing. They send information on what they can do instead of following the consumer law, which would require them to send information on how they are able to report items on a credit report.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Approximately in late may I placed a freeze on my credit file with all three major major credit reporting Agencies due to a fraudulent filing for Unemployment benefits. I am attempting to refinance my home Mortgage so I wanted to unfreeze my credit files. I have been unable to get my file unfrozen from Experian. There appears no way possible to actually talk to a human being. I have sent them two letters per their instructions with the required information to verify my identity and I still have not heard from them. I am desperate to get my report unfrozen but do not know where else to turn.

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 2020-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
credit was applied for in my name without me knowing

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 2021-01-20
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I purchased a new XXXX XXXX in XXXX of XXXX and financed it through Hyundai Motor Finance. On XX/XX/XXXX, I traded in the vehicle to XXXX XXXX XXXX in XXXX, Texas, and XXXX XXXX XXXX mailed Hyundai a check for the full amount of my loan. According to the tracking information, Hyunda received the check on XX/XX/XXXX, and it was cashed on XX/XX/XXXX. However, the check has not been applied to my account, which is now showing as being 20 days overdue. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX about this issue, and on XX/XX/XXXX they contacted Hyundai and faxed over the cancelled check and the tracking information. As of XX/XX/XXXX, XXXX had still not applied the check to my account, and I had started getting calls from their collections department, so XXXX XXXX  faxed the documentation again on XX/XX/XXXX, and I called Hyundai myself. Hyundai asked me to send them an image of the cancelled check in an email with my account number and ATTN : XXXX in the subject line. I did that on XX/XX/XXXX and received no reply. On XX/XX/XXXX, I emailed again asking for confirmation that my first email was received. I still have not gotten any reply, and my account is still not reflecting the check that Hyundai received.

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 2021-04-10
Company: WELLS FARGO & COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
MY NAME IS CHIEF XXXX XXXX RETIRED US XXXX. I HAVE A WELLS FARGO CREDIT CARD ( ACCOUNT ENDS IN XXXX ) I PAID OFF THIS CREDIT CARD IN FULL IN THE AMOUNT OF {$4800.00} ON TIME AND SOMEHOW THE ACCOUNT WAS CLOSED WHEN I CALLED WELLS FARGO TO INQUIRE ABOUT THIS THEY COULD NOT WAIT TO OPEN UP THE ACCOUNT BUT REFUSED TO ALLOW THE " EARNED '' REWARDS TO STAY WITH THE ACCOUNT??? PULLING BACK MY EARNED REWARDS FOR PAYING OFF A {$5000.00} CREDIT CARD IS NOT ONLY NOT HONEST, ETHICAL OR FAIR, IT DOESN'T MAKE ANY SENSE TO ME. REWARDS SHOULD STAY WITH THE RESPECTIVE ACCOUNT NOT BE YANKED BACK MEANING WELLS FARGO MIGHT HAVE TO PAY THE REWARDS ACCORDINGLY I WOULD LIKE TO REQUEST THE ASSISTANCE OF CFPB TO VERIFY THIS SITUATION AND ASSIST ME IN OBTAINING MY " EARNED '' REWARDS FROM WELLS FARGO BANK. ( REWARDS FROM WELLS FARGO ARE NOT FREE OR GIVEN THEY ARE EARNED AND SHOULD STAY WITH THE RESPECTIVE ACCOUNT FOR THE CARDHOLDER TO USE AS THEY SEE FIT ) ... THANK YOU FOR YOUR HELP AND ASSISTANCE. RESPECTFULLY, XXXX  XXXX XXXX XXXX RETIRED

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: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
If you refer to complaint XXXX received by you on XX/XX/XXXX, you will see that money was wired from XXXX XXXX from my account to a fraudulent account at Capital one. The funds were subsequently frozen on XX/XX/XXXX and I have not received any funds back or can even be given an amount of funds or when they will be returned. Can not not get any correspondence from Capital One on this matter at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: EQUIFAX, INC.
State: MN
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:
There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
There are creditors on my credit report that is listed that do not belong to me. This is the second request to have them removed. Please remove them immediately. Thank you.

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 2021-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX TransUnion Fraud Victim Assistance Department XXXX  XXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX Account number XXXX Loan type XXXX real estate mortgage Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2021-04-10
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX, XXXX, XXXX, and XXXX payments were late due to XXXX pandemic and job loss. After asking what could be done to adjust payment, make exceptions, or offer assistance, the company offered deferment however, late payments would still be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: MN
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:
Their are credit items listed on my credit report. This is a second request to have them removed. Thank you.

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 2021-04-10
Company: Bridgecrest Acceptance Corporation
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I the federally protected consumer entered a consumer credit transaction with Bridgecrest in regards to my vehicle being used for personal and household use. As Bridgcrest is the EXTENTION of my credit extended back to me ORIGINAL CREDITOR. They provided me with a copy view contract, not even the original contract. I got the contract and went through it and came to an understanding that Bridgecrest violated me in multiple ways. I was never provided with the disclosure of my right to rescind the consumer credit transaction. Outside the finance charge, which is the sum of all charges there should not be any other charges and my insurance premium should of been included and it wasn't. Bridgecrest is not suppose to use any symbols in the contents used by the mail indicating they are in the debt collection business. Bridgecrest can not advise a consumer they owe a debt. Bridgecrest is consistently using XXXX name throughout the contract and I don't have a contract with them, I reached out them previously before reaching out to Bridgecrest. Bridgecrest is creating unlawful forms to create false belief in a natural person owing an alleged debt when it was a consumer credit transaction. The alleged debt shows in a positive balance. Bridgecrest is using XXXX location information when I don't have a contract with XXXX. Bridgecrest received consideration at the start of the consumer credit transaction using my social security card. Bridgecrest is using obscene language advising of repossession and and taking back my vehicle which there is no way Bridgecrest the company or any uninterested 3rd party can steal from a consumer. Bridgecrest used profane and threatening language by advising me the consumer to pay for a lawsuit for a fraud contract. Bridgecrest is using XXXX name as if they are collecting the debt when I don't have a contract with XXXX. I am demanding the agency to work with me the federal protected consumer under the guidelines Fair Debt Collection Practices Act and the amendments to Truth and Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an alert today someone tried to open up a Citibank Best Buy credit card in my name on 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 non-monetary relief