BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
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:
the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX # 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 2019-05-09
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I made a balance transfer XXXX from my PayPal account to my PayPal prepaid XXXX now PayPal says they sent the money and the card people are telling me they never got it and it failed on there and no one 's taking responsibility for this I'm still ouXXXX XXXX and PayPal is been putting me off for 6 days now and I have gotten no resolution from them other than the assumption is that they stole my money they keep putting it too well we're working on it they acknowledged that it was a computer program on there and but have failed to fix the problem as to I don't have my money and they don't care

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-19
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is tied to complaint # XXXX. 

Hello, Thank you for your previous response. I went ahead and requested the official letter from my financial institution. It clearly lists my XXXX account, which is correct account that I used for the past 3 years. The Bank asks XXXX to remove negative credit entries as the customer entered correct amount and account numbers. The payment rejection and any subsequent delays are not customer 's fault. This is either the Bank or XXXX. You may contact XXXX XXXX XXXX to verify. Since, I have no proof of mailing my initial payment attempt ( USPS in XX/XX/XXXX ), you may leave XX/XX/XXXX ( 30 ) entry on my credit report. However, please do act in accordance with the letter from XXXX XXXX XXXX, and remove both XX/XX/XXXX ( 60 ) and XX/XX/XXXX ( 90 ) negative credit entries from all credit bureaus. Hopefully, this time we can finally close this case in satisfactory manner. 

Happy Holidays!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Kohls/CapOne XXXX The basis for my dispute is ALLEGED - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after Kohls/CapOnefailed to notify  me about reporting derogatory info. to XXXX, XXXX, and XXXX In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC? 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, Kohls/CapOne '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA? 809, which is {$1000.00} per violation and the state of TX allows treble damages. 

Under? 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) Kohls/CapOne failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve Kohls/CapOne is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( Tex.AppXXXX XXXX XXXX reh.den. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: ALLY FINANCIAL INC.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I purchased a car through Ally financial which was my lender. My car XXXX   XXXX vin # XXXX became a total loss and my insurance company XXXX paid XXXXand my gap insurance paid XXXX. This issue has been on my credit fir two years and now its listed as a charge off. The company that is now responsible for the debt .XXXX XXXX account # 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 2017-11-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 the companies to ask for proof that I authorized this inquiry and have not been provided proof to date. Two accounts were for I believe rental property and capital one auto finance have ignored my request for proof of my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was compromised while oversees from XXXX to XXXX. During this time a fraudulent account was opened in my name by BMO Harris. I demand that this item be removed from my XXXX  report immediately.

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 2020-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
These accounts are unauthorized accounts that are reporting o my credit report. These accounts were opened without my knowledge or 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 2020-05-01
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
On Friday, XX/XX/XXXX, I received a letter from Freedom Mortgage that my mortgage was being transferred from XXXX to Freedom Mortgage. There were two letters that I received from Freedom Mortgage, one was a welcome letter outlining who Freedom Mortgage is, as well as the principal, interest, escrow and any other fees or penalties that may accrue. The other letter was more detailed on when my next payment is due. The welcome letter looked suspicious because throughout the letter, key areas of information such as my name, date, address, and payment amounts were all in different font colors than the rest of the letter. 

I called Freedom Mortgage and spoke to two people ( one was a customer service representative, and the other was a supervisor ). I explained to them that I received these letters but I am not sure why because I have not received anything from XXXX indicating that my mortgage was being transferred. Apparently they have all of my information, including my social security number. I asked for someone to email me a copy of all the documents that they have pertaining to my mortgage to verify if it is legitimate. The representative said that it would take three business days to complete the order, which I was not pleased about ( three days to send an email???! ) They said that they could expedite the process so I can receive the documents sooner, which I said sure. 

Today is Friday, XX/XX/XXXX and I still have not received the documents that I requested to verify that Freedom Mortgage is ; one, a legitimate institution, and two, that this transfer of service is legitimate as well. Freedom Mortgage does not have any offices available, and even if you take the COVID-19 situation out of the equation, I would have to call and wait in queue in order to speak to someone about my issue, rather than going into a local branch and dealing with this situation, or any that may come up in the future. I am very concerned about this.

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 2021-02-15
Company: Army and Air Force Exchange Service
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances on establishing a great history with the current company. The name of the inquiry is MILITARY STAR. The inquiry date is XX/XX/2018. The bureau reporting is XXXX, XXXX, and XXXX XXXX. 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 2020-11-13
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I sent Experian a letter requesting verification documents for XXXX XXXX Acct # XXXX due to dispute results I received on XX/XX/XXXX claiming that this account was verified ( Report # XXXX ) and their agency is currently reporting. According to FCRA 611 ( a ) ( 7 ) the credit reporting agencies have 15 days to supply verification documents upon request. As of today, XX/XX/XXXX, I have yet to receive the requested verification documents for the said account. Due to Experian 's lack of response within the allotted time provided, I demand this account is 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 2017-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
TransUnion has made no less than two requests for ID information, yet after providing the requested information they have yet to respond which puts them far past the 30-day provision as per CRA rule ... Please see their request and my response ... 
Disputed items below : ACCOUNTS XXXX XXXX INQUIRIES XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am making a complaint against XXXX XXXX XXXX XXXX because in XXXX of 2019 my account was compromised. I was aware that I had 2 lines on the account and then my phone was shut off due to lack of payment. I traveled to my local XXXX XXXX XXXX XXXX to find out why the phone had been shut off and why the monthly bill was now way higher than the normal. After speaking with a representative at my location I found that there were now 22-23 lines on my XXXX XXXX XXXX  account. I was shocked and so was the representative, solely because I had a personal account, which should have only allowed for a total of four lines. I was then advised to leave the account as it was and open a prepaid line so that I could have use of my phone until I could get to the bottom of everything. After another call to XXXX XXXX XXXX I was told that these lines were added to my account on XX/XX/2019 in XXXX. I was in XXXX, Florida at the funeral of my grandfather and could not possibly have added lines to my account that day. The only names on the account were my own and another gentleman of whom did not have authority to make any changes on my account. I, in some way, was still deemed at fault even given this information. I had no part in these lines being added to the account and have no idea how or who added them and should not be held at fault for these fraudulent acts.

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 2018-08-06
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was assigned a single point of contact XXXX XXXX who hasn't acknowledged any of the documents we provided. There has been no steps to submit our file to an underwriter for loan modification consideration. A Sale Date was approved by the court for XX/XX/18. We have been ignored and neglected the opportunity to keep our home. There has been no correspondence updating our situation. Shellpoint Mortgage Servicing is not interested in following the rules for loan modification requests. We have evidence showing complete documents being sent without any response. We are looking to stay in our home that we can afford after suffering a medical and economic hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: CAVALRY INVESTMENTS, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
This company threatened legal action. They gave me a date in which to respond to a lawsuit by however when I went to the courthouse to file a response to the lawsuit I was told I couldnt because there was nothing filed to respond to. So they falsely misrepresented that they had filed the lawsuit already. They filed after the day they told me they would so it would appear as if it was just a scare tactic to someone unfamiliar with the law. They then actually filed after the day I was informed they would, I did not file a response because I wasnt properly informed, so they Were granted an automatic judgment against me because it appeared as if I never responded or attempted to which was false. I was never informed of a court day or a trial.They were granted a levy against my bank accounts and have taken everything from me. Im going to lose my home because of this disgusting tactic! Ive also read about other dirty schemes this company has played on unsuspecting victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This account I believe belongs to my mom which lived with me for a couple of years and filed a bankruptcy. I have asked to have this account verified and have received a report saying the account was verified and belongs to me. 
I asked how did they verify the information and they stated they contacted the court so I contacted the court and they indicated they dont provide information to credit bureaus. They then indicated they verified the information from XXXX XXXX which I contacted because I had a security freeze in place and they indicated the credit bureaus cant access my credit report. 
So Im at a loss to how they have verified this account on my report when the sources say they cant be use to verify information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Nelnet, Inc.
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I believe the Nelnet is unfairly and possibly illegally putting borrowers in the position to have to potentially pay more on their student loans by forcing them to capitalize their interest into the loan by failing to advise on denied application for income base repayment. 

On XX/XX/2019, I submitted my annual recertification for the IBR and was confused on a particular question about access to my spouses income. I marked that I don't have access to her income because she is a XXXX   XXXX, and does not have income. This apparently required more information that they claim they emailed, called, and mailed to me and that I did not respond resulting in a denial of my IBR request. I found out today, XX/XX/2019, when I received a statement with an " incorrect '' amount. I have not received one email from Nelnet until today when the advisor I spoke to on the phone emailed me a correct application to sign and send back. I have not received anything through the mail except the monthly statements. And I have received no calls. I was informed that I could check on all this on my Nelnet account. After logging into this account, there is NO correspondece from them in any way, outside of statements. 

Now, in order to not become delinquent on my account, I am forced to file for a deferment while they process my application ( again ) which then allows them to capitalize on the interest. If they had actually contacted me anytime within the last 2 months to inform me of the issue, I could have addressed it in due time without having to require this deferment. 

This behavior is very shady. I know this could possibly seem like a roundabout scam but if they are doing this to me who else is being taken advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I went to Experian 's web site to find out why it was reporting a FICO score much lower than XXXX   and XXXX. I own my own home outright ( no mortgage ) and have paid cash for every car I've owned since the mid XXXX 's. Due to health issues, etc., I had to file for Bankruptcy in XXXX and all my debts were discharged. However, Experian still shows 2 accounts with XXXX  XXXX XXXX, one as closed and one as status " unknown '' ( how can that be? ). Since I have hardly any revolving credit, I get why my score is lower. 

My complaint is that Experian offers a " credit score booster '' to paid customers, based on their bank account 's record of whether or not their utility and other bills were paid. However, if you have not banked with one of Experian 's listed 40 banks they say they have no access to your bank accounts and that you can't use this service. They don't offer to add your bank 's routing number. I think this is DISCRIMINATORY.

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 2019-05-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
I purchased 3 moneygram from CVS in XXXX, virginia. However, I didn't use it and was able to cash 2 of the moneygrams. The 3rd moneygram is still in my wallet, and I have the receipts showing proof of purchased, etc. I followed all of Moneygrams procedures and rules in order to cash the moneyorder / moneygram and get a refund. MoneyGram is refusing to refund my moneyorder or even allow me to cash the moneyorder. I received 4 to 7 emails with " open claims investigations '' that I didn't request. Several case numbers which is preventing me from cashing the moneyorder at my local check cashing business. MoneyGram is holding my funds, not responding to my emails, refusing to provide any information. I would believe that MoneyGram is refusing to return my {$500.00} which is a serious crime in the state of Virginia. Considering hiring an attorney, this is a terrible situation for me. I don't have any other option but to file this complaint today, hopefully something will be resolved soon.

Company response to consumer: Closed with explanation