BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-12
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Kia Motors Finance on XX/XX/2022 and I spoke with an associate named XXXX. This associate verbally agree to settle a debt based on a previous offer from a debt collection company. She instructed me to send her a copy of the settlement letter via email and provided her email address. She stated that once this was complete that she would call me to collect the settlement amount. I called her back on XXXX XXXX the new associate refused to transfer me to XXXX and the stated that they would not be settle the debt even though the previous associate had agreed. I asked why we could no longer settle for the previously agreed upon amount and I was told that a new supervisor did not approve it and they would not be honoring what the previous associate told me was a firm agreement. The associate refused to let me speak to the associate or to a 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 2019-04-20
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
i filed individual chapter XXXX bankruptcy with help of attorney on XX/XX/XXXX, after mortgage servicer charged off alleged construction line of credit in XXXX ( and attemp to forclose my property twice in XXXX ) i filed individual chapter XXXX bankruptcy to find out who should i pay. 
while i was paying monthy payment during chapter XXXX bankruptcy per chapter XXXX trustee order, bankruptcy converted to chapter XXXX without any reorgonization meeting. ( and right away {$91000.00} transfered to trustee account from XXXX checking account withou my consent or knowledge ) while i was disputing and motion of appeal pending and mortgage servicer withdrawal its claim i evicted by XXXX point at me on XX/XX/XXXX by us marschal per BK judge void order exampt, husband and wife tenancy done on XXXX and avoided in bankruptcy court without due process of law and without my husband be party in bankruptcy case and he got partial judgment on XX/XX/XXXX ( void judgment order lack proof of claim and,,,, ) per 3 credit reports bankruptcy dismissed on XX/XX/XXXX with {$0.00} claim, {$0.00} liability

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: DISCOVER BANK
State: CA
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:
On going collection since XXXX. Received collection calls & letters regarding a Discover Bank card ( I was an authorized user and my son XXXX XXXX was the account holder ). I responded with a Cease & Desist letter as well as a Verification/Validation letter requesting proof ; such as application with my signature to the law firm handling the account, XXXX XXXX XXXX. They provided a copy of the application and a recent statement of the account. The application only has one applicant and one signature XXXX XXXX. I responded with a letter advising the application does not show my name or signature and that again I was an authorize user and according to the credit law I am not liability for repayment. In addition, the account holder filed Bankruptcy and was discharged XX/XX/XXXX. I provided proof of the Bankruptcy. XXXX XXXX XXXX filed a lawsuit against me for the Discover Bank account on XX/XX/XXXX. I received a copy of the lawsuit where the Proof of Service claims I was served XX/XX/XXXX at my son 's home, which I use as a mailing address. I am not a XXXX female as stated on the proof of service and I was in the state of Idaho in XX/XX/XXXX. I am retired and I travel from California, Idaho, and Hawaii. I have been dealing with this issue far too long. I have sent countless proof that I am not liable for this debt, proof the law firm sent me as per the Verification/Validation letter yet they still continue to violate the FDCPA, FCRA, and FTC laws. I sent a Certified Letter in XX/XX/XXXX summarizing this issue as well as requesting to file a Motion to Dismiss with Prejudice since I am not the responsible party and to provide proof of the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I am currently on a UI claim through CA EDD. On XX/XX/2021 I had {$1000.00} debited out of my Bank of America account at an ATM in XXXX, CA. The entire time I had my card with me and was at work. I immediately called Bank of America, filed a fraud claim, was told I would receive my {$1000.00} back within 10 days and have my claim resolved within 30-45 days. Meanwhile, I received a new EDD prepaid debit card and tried to activate it on Friday XX/XX/2021. My account was closed due to the fraud claim and I was not able to activate the card. I called EDD to see if something had happened to my claim- my claim was fine. I verified my ID and had the EDD send that verification to BofA on XX/XX/2021. During that time I was also calling BofA to see what I could do to open my account. I was getting various answers from the representatives and constantly being shuffled between EDD and BofA. My claim was officially closed a week after I reported the fraud and no money was ever returned to me. I requested paper checks from the EDD but have yet to receive my money via paper checks ( certified XX/XX/2021 and am still waiting ). On XX/XX/2021 Bank of America told me that my account info had been sent to their back office for review but they do not have an estimated time frame as to when my account would be reopened. I have spoken to numerous Tier 2 representatives who have all said the same thing, that " they do not know when my account will be opened. '' Without my account being opened, I am having a more than difficult time getting funds from the CA EDD and have not been able to open my fraud claim/ get my {$1000.00}. One BofA agent warned me against opening a fraud claim, saying " Be careful about opening another fraud claim because the EDD could freeze your account again. '' However, it is BofA that won't release the freeze on my account. I have reached out to my local representative in hopes that they help me get this resolved but they told me it might take 6-8 weeks or longer to hear a response ( XX/XX/2021 ). I also have gotten the number for Bank of America 's legal department and am considering getting a lawyer if this continues.

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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Im writing this in regards to a 60day- late payment report made by XXXX XXXX . I have an XXXX XXXX Platinum card and I had made a reservation using XXXX on XX/XX/18 for {$920.00}. I had canceled this reservation within the time allotted stated on XXXX website. However, XXXX refused to refund me my full purchase amount and wouldnt provide me with any credits close to the amount I paid. I called XXXX XXXX hoping and submitted a dispute a few days later in XXXX of 2018. 

XXXX XXXX kept closing the dispute and said there was nothing they could do after the inquiry they made with XXXX. Over the last 9months I requested over 8 times for them to reopen the dispute and when I called them in XXXX the would not dispute the amount and stated it was my responsibility to pay for a service that I never received even though I should have been refunded the full amount. I explained that because of this high transaction amount I would need more time. They were not reasonable and demanded payment immediately for a service I did not receive. I called them a few days ago after they harassed me by phone to pay this balance, and I paid it in full and stated I will still dispute the transaction at a later time. I always make on time payments with any creditor and I do not have any derogatory remarks on my credit. Can you please help me remove the 60-day late payment as XXXX XXXX is treating me unfairly? Thank you for your time!

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 2018-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I traded bitcoin on Coinbase and did several transactions. However, since last month I was suddenly asked to provide SSN when I do any action like sell or withdraw. I do n't have SSN but Coinbase allows me to do trade in the beginning. For now, I still have XXXX $ in my USD account and I can not withdraw my money. I contacted Coinbase since last month but no one reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Experian Information Solutions Inc.
State: VI
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 moved the US Virgin Islands upon XXXX as a XXXX year XXXX XXXX XXXX. Hurricane Irma was supported by FEMA with much needed emergency GRANTS. 2 years after receiving my GRANT, my credit score dropped 80 points. This is when I discovered that the US Treasury considered me in default for a loan. I NEVER sighed loan papers! I was NEVER told that my emergency funding was other than a grant. Attached is a letter from FEMA stating that I do not owe them money. It appears to be a discharge/write off of a debt, not the fact that I am a victim and the debt was INCORRECT. My credit score reflects that I ran out on a loan, not that I NEVER HAD a loan from FEMA. Thank you for your assistance.

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 2018-01-10
Company: Resurgent Capital Services L.P.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called the company with intentions on paying the debt thats on my current credit report which was {$340.00} and the company and I came to an agreement I stated that the damage was done would I be able to get a pay to delete being that if the debt is paid it will still reflect on my credit negative and the lady on the phone stated And if you dont pay this debt right now were going to keep on reporting negative and destroy your credit I felt intimidated and as if I was forced to pay the debt so I instantly hung up because I felt as if that was not professional at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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 BECOME AWARE THAT CAPITAL ONE AUTO FINANCE REPORTED IN MY CONSUMER CREDIT REPORT A BALANCE DUE AMOUNT OF {$6800.00}. THIS VEHICLE WAS ILLEGALLY IMPOUNDED WITHOUT MY CONSENT OUTSIDE MY POSSESSION. THE VEHICLE WAS SOLD IN AN AUCTION BY THE TOWING COMPANY. THIS ALLEGED DEBT WAS CHARGED OFF AND I HAVE NO MORE OBLIGATION TO PAY SUCH INACCURATE AMOUNT AND AS PER 26 US CODE SUBSECTION 166- ( Worthless Bad Debt within the taxable year )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2021-03-09
Company: Verisk Analytics Inc
State: MT
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. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: MI
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 have contacted Equifax on multiple occasions to remove inquiries on my report that were not authorized by me. The statutes are referenced in my attached letter. 

I want the inquiries removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-10
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.

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 2019-10-15
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began an inquiry into a refinance of my current VA mortgage loan on XX/XX/XXXX. My inquiry was through XXXX XXXX XXXX out of Utah, whom I used to secure my current VA loan back in XXXX. That arm loan was underwritten with XXXX XXXX and is still with XXXX XXXX at this time. As the process began, I signed the initial documents to inquire on XX/XX/XXXX. XXXX XXXX XXXX searched for an underwriter and it was determined that NationStar dba Mr. Cooper would be to whom we would inquire. As the process began to unfold, I was asked from time to time to initial additional docs. At one point, on approxamtelly XX/XX/XXXX, I was instructed to re-submit the entire initial process documents a second time. Approximately 60 days had now passed from the initial contact to inquire, and I had incurred a late payment for the month of XX/XX/XXXX for the first time in years, and I was hit with a {$30.00} fee from XXXX for processing. There had still not been a closing date set or any documents to proceed. On XX/XX/XXXX, I determined that the interest rate Mr Cooper was offering compiled with the excessive delay to close, were not conclusive to my needs. On XX/XX/XXXX I withdrew my application to refinance with XXXX XXXX XXXX, paid the additional {$30.00} fee accessed and was ready to move on with things as they have been for the previous 3 years. On XXXX, I received a letter ( attached doc 1 ) from XXXX XXXX XXXX , who holds a small second mortgage lean for a home equity line of credit I took in XXXX. The letter stated that I needed to submit documents showing I had sufficient insurance on my property. Since this had been in place since XXXX, I was confused as to what this was about. I went to XXXX on Mon. XX/XX/XXXX to inquire. They told me for some reason they had received documents XX/XX/XXXX that no longer listed them as a secondary lean holder. I proceeded to my Insurance company and discovered that NationStar Mortgage LLC, D/B/A Mr. Cooper had submitted documents to my insurance ( attached doc 3 ) effective XX/XX/XXXX, to remove my current mortgage lender and replace with them. Since I had never signed any closing documents, or any other documents outside the initial inquiry, I found this to be a fraud. I instructed my insurance to correct the paperwork to the original lender as of XX/XX/XXXX. Upon further investigation, I obtain the policy change issued by my insurance agent, XXXX, showing this was actually submitted ( attached doc 5 ) on XX/XX/XXXX, well before the request to submit the inquiry documents for a second time was even made by Mr Cooper? It is my position that NationStar, DBA Mr.  Cooper attempted to hijack my mortgage well before any authorization by me to proceed, or any attempt to close the refinance loan was issued. I am filing this formal complaint and wish to additionally inquire if this was even a legal move by Mr Cooper?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Debt Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently received an alert regarding a collection accounts being added to my credit report from Debt Recovery Services, LLC. For medical bills. I have never received a bill for any medical bills. I have always had XXXX and/or XXXX due to being permanently XXXX. I have tried to call the phone number for the original creditor and its not in service. I do not owe anyone. I have worked hard to maintain a positive credit profile and this company has made such a negative impact to my report. This company need to cease and desist from collection activity and should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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:
I have reached out about some accounts on my credit that are not mine. Please remove XXXX/XXXX   from my credit.

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 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am writing this complaint due to the negligence of TransUnion and their inability to remove the account even with proof of the violations they were allowing to be committed on my report. I had requested due to the violations they removed the account with XXXX XXXX XXXX and they said they " Validated '' it as accurate. However, on my report there are no notes that the account was even investigated in the remarks on my report. How can I prove they validated or even investigated 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 2021-09-12
Company: EQUIFAX, INC.
State: LA
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 have submitted an FTC report indicating they have been fraud on my account, I did not consent to the following inquiry. 

Date : XX/XX/2020 Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, VA XXXX

Company response to consumer: Closed with explanation