BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: DISCOVER BANK
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XX/XX/2021 my Sister sent me the sum of {$15000.00} to my Discover bank account, she was debited but I wasnt credited, I tried to find out what happened by calling discover customer care line, but they said they were verifying .. fast forward to XX/XX/2021 I still havent received the money and the money wasnt refunded back to my sister Bank name : Discover Bank Account name : XXXX XXXX Account number : XXXX Routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I initiated an online dispute on or aroundXX/XX/XXXXin regards to two XXXX XXXX XXXX collections on my account, which is was never notified about. I am trying to clean up my credit but the disputes came back as valid. I then went online and checked out the claims with my health care provider. For the two claims, XXXX advised that I should not have been asked to pay more than {$8.00} ( I'm rounding ) for one and ( {$160.00} ) for the other. XXXX ended up initiating an additional payment for both of these claims around XX/XX/XXXX and left me a balance of {$50.00} on one and {$190.00} on the other. I was able to pay the {$50.00} online through the XXXX  website so at the very least, had a credible investigation been done, the amount due would have been updated. I was not able to make the other payment through the XXXX website so I called XXXX XXXX XXXX to make the payment over the phone. I was advised that they no longer service this account and to dispute it with the credit bureau. I again initiated a dispute with the credit bureau, only for it to again come back as validated.

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 2019-10-07
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2019 several applications were run on my credit without my consent

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 2019-10-07
Company: Thrivepoint Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Complaint ID : XXXX. See original complaint filed XX/XX/2019 and replied by company ( XXXX XXXX and or Renovate America ) on XX/XX/2019 with a huge lie! They never sent me an explanation of my complaint. My personal information is in their database although they claim to be ignorant of their own database. 
Case should be re-opened since they refused to explain their predatory, abusive, and deceptive business practice. Also their elder abuse exploitation! 
Please review the original complaint XX/XX/19 and the company 's deceptive reply on XX/XX/2019. In the meantime,, they are assessing daily interest and hidden charges on our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Performant Financial Corporation
State: CO
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:
PERFORMANT FINANCIAL performed a HARD pull on my credit on XXXX XXXX withoutmy consent. 

PERFORMANT claims the were authorized under FCRA to obtain my credit due to and account transfer, HOWEVER the date that PERFORMANT opened an account was like XXXX XXXX. 

XXXX MONTHS before the FCRA allowed. 

FUTHERMORE FCRA grants PERFORMANT authorization to do a soft pull not a hard pull

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 2018-03-16
Company: AUTOMOTIVE CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Frauding scams using XXXX XXXX in Florida Frauding scams frauding XXXX county Indiana of XXXX XXXX XXXX death record Frauding XXXX county Indiana birth certificate of serial numbered documents of XXXX XXXX mom Frauding scams using XXXX XXXX of XXXX county Indiana pension files in Florida State It scam scams using my national security clearance data Frauding scams using insurance companys Frauding scams XXXX XXXX as a XXXX man Frauding my FBI registrations and social Security date

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 2020-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with Capital One approximately 10 years. I have never requested a credit limit increase. I requested a limit increase on XXXX/XXXX/20 and was told that my limit could not be increased due to " Average Monthly Payment too low ''. Capital One provided me with a statement that says I have to make more than my minimum payment 3 months in a row. My minimum payment is {$25.00} and I always pay over {$120.00} and have never been late even when I was laid off. When I contacted Customer Service they were not helpful they kept referring me to the website and then offered to assist me in closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I contacted a company called XXXX XXXX XXXX on XX/XX/2020 about a special they advertised online for the {$390.00} pool. I spoke with a rep named XXXX and I asked her about the special. She explained to me the size of the pool and asked if I was the owner of the home. She told me that she could schedule a consultant to come out and give me more information about the product and to let us know about the installation process. She asked for my name, address, and date of birth to show that I was over 18yrs of age. She then scheduled an appointment for someone to come out on XX/XX/2020 to discuss the special for the {$390.00} pool. Once the call ended I searched online about the company and saw that they had several bad reviews. I immediately called the company back to cancel the appointment. On XX/XX/2020 I received a credit alert from Experian and it said that the company XXXX XXXX XXXX had conducted a hard inquiry on my credit report. I was very upset that they conducted an unauthorized credit check. I never gave them my social and they never even asked or told me anything about they were going to have to do a credit check. I then tried to contact the company by phone, but the phone just rang and rang with no answer XXXX. I contacted Experian and spoke with a rep named XXXX who states she couldn't dispute the information on my credit report and that I would have to contact the company and ask " Why did they run an unauthorized credit check? '' This company is bad business just like everyone one else is saying online. They are conducting unlawful practices and they need to be stopped!! I am so glad that I cancelled the appointment within 10 minutes of scheduling it.

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 2019-10-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my RE taxes in XX/XX/XXXX it showed Paid, although my mortgage does not have a escrow account and for 18 years paid my RE taxes on time Bayview Loans prepaid the taxes in XX/XX/XXXX. they are deliberately adding expenses to the account by prepaying and placing forced homeowners and flood insurance on the property. I paid homeowners ins XX/XX/XXXX @ {$960.00} in XXXX Bayview purchased another policy with the same company and Bayview added {$960.00} in fees for a second policy. In XX/XX/XXXX i paid the homeowners ins In XX/XX/XXXX when i went to pay my flood ins. i find that Bayview had prepaid it. they are violating my load agreement by creating a escrow account and placing forced homeowners and flood ins on the property. Bayview filed foreclosure complaint in XX/XX/XXXX, the case was dismissed in XXXX discrict Court on XX/XX/XXXX. After months of not receiving any correspondence or monthly mortgage statements On XX/XX/XXXX Bayview proceeded to send me a bill for over {$20000.00}. I have asked several times to send a breakdown but they refuse. violations 1024.37 1024.34 1026.41 Regulation X

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Select Management Resources, LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/19 XXXX XXXX I sent a text message stating I had no money to pay. 
XXXX XXXX they called and I spoke to a rep explaining the same. 
XXXX XXXX  they called again and left a voicemail about the debt. 
this is violation of the fair debt collection act as it's a repeated call after I'd already spoken with someone earlier in the same day. This is harrassment.

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 2020-05-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my 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 explanation
Consumer complaint received 2019-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed Portfolio with the credit bureaus XXXX of XXXX stating account number XXXX its not my account. Credit bureau said that account was verified as mines by Portfolio Recovery. I sent Portfolio recovery a certified letter XX/XX/XXXX that this is not my account and please validated the account as being mines. I have not received anything I sent out another letter XX/XX/XXXX and again nothing. How can they update status on the credit report without validating the account with me. Status update on my credit report XX/XX/XXXX and that this information is to stay on record until XX/XX/XXXX. I should not have to wait for this to fall off my report XXXX when this is not my account. Please have this company validate the account as I have asked several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I previously notified Transunion that I am a victim of identity theft.

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 2018-03-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
I have had a mortgage with Bank of America from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. Bank of America WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. Bank of America is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, XXXX and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me Bank of America is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called Bank of America Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX sends me a letter stating it will remain on my credit because BOA said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2018-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have had a mortgage with XXXX  XXXX XXXX from XXXX to XX/XX/XXXX XXXX when I paid it off early in full. I have never not once in 13 years missed or been late on a payment. Back in XXXX, I was going to file bankruptcy but changed my mind and did not go to the first court date so it was dismissed that same day its like it never happened. The court has provided me paper work stating so. XXXX XXXX XXXXXXXX WAS NOT part of the list of creditors I would have paid, had I went through with it. In fact if I were to go through with it I would have to put my house up for collateral therefore I could not claim that debt even if I wanted to. Now all 3 credit bureaus have me defaulting on a XXXX home loan under bankruptcy when I paid it off in full never late XX/XX/XXXX. XXXX  XXXX XXXX is denying they are reporting me even sent me 2 letters stating they sent this information to all 3 credit bureaus on XX/XX/XXXX and again on XX/XX/XXXX XXXX. I have disputed XXXX, Transunion and XXXX bureaus 2 times to have this taken off and each time they all ( except XXXX took it off finaly ) tell me XXXX XXXX XXXX is reporting to them as correct Bankruptcy?? How can this be when they were not part of my dismissed bankruptcy ( all I did was decided not to go through with it and now that's on my credit for 7 years. XXXX money was paid out to zero creditors ) I just called XXXX  XXXX XXXX Again yesterday and they still are denying they are the ones who are reporting it. Plus they said they had sent in another update stating I have never not once been late or missed a payment. Then today XXXX  sends me a letter stating it will remain on my credit because XXXX said it's true.How can I get this solved if no one is confessing to reporting it. My last name on my mortgage was XXXX. I have since divorced and it's XXXX on my credit reports. Did someone stop to think this might be a problem causing some if the confusion? But either way I have busted my XXXX and spent hours on repairing it. I feel like neither of these companies have tried very hard or it wouldn't be on there. It's not correct information and Nice way to treat a customer that paid on time and paid the loan off early in FULL. I don't know what to do at this point. Someone is not doing their job or lying to me. I'm thoroughly disgusted how much time and effort I've had to put in trying to get this removed.

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 2021-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from XXXX XXXX XXXX XXXX XXXX which is dated XX/XX/XXXX, this notice is stating it is collecting a 2nd mortgage which was part of the first mortgage that I received on XX/XX/XXXX, from Bank of America. In a letter dated XX/XX/XXXX, I received confirmation of my loan modification for a total of {$390000.00}. In XXXX I borrowed the first mortgage of {$320000.00} recorded on XX/XX/XXXX, as Instrument # XXXX, the second mortgage of {$40000.00} recorded on XX/XX/XXXX, as Instrument # XXXX. Real-Time Resolutions has violated the Rosenthal Act It regulates the conduct of debt collectors. The California statute prohibits numerous deceptive, dishonest, unfair, and unreasonable debt collection practices by debt collectors, and it also regulates the form and content of communications by collectors to debtors and others. They are attempting to collect on a 2nd mortgage which has modified with the first mortgage, In addition, they have violated my rights to notices and monthly billings they are trying to get two bites of the apple. XXXX XXXX  along With XXXX XXXX XXXX failed to provide any legal notification of debt in 7 years which is unlawful for either one of them to pursue a debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Village Capital & Investment LLC
State: LA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On Monday, XX/XX/2019 I received a sales letter from Village Capital and Investment, LLC. The letter was designed to mislead me, a veteran, into accepting an IRRR loan. 

I shared my information with them. I agreed to nothing. I was told I would be contacted the following day. I did a XXXX search and ran across this article. I am contacting to say that this company is still trying to swindle myself and fellow veterans. 

Please put a stop to this company. If I have any other complaints due to them now having my information and using it against my will what can I do in that situation? 

Thank you in advance for promptly answering my question. Have a blessed day!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: RoundPoint Mortgage Servicing LLC
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:
Round Point mortgage servicing refuses to acknowledge two inaccurate late payment marks on my credit report. I have been trying to get information and resolution for over a month. I have filed disputes with all three bureaus as well. Most recently I spoke with XXXX and was bounced around a call center for an hour. Still, nobody is able to help me. This is fraud on the part of Roundpoint mortgage servicing, and some quick research shows that they are a cut rate institution, and I am not alone in my complaint. 

I am under contract on a home, and their inaccurate and disingenuous practices are preventing me from obtaining a loan.

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