BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-25
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made a mistake in making a payment to XXXX as a payee instead of Hyundai. The XXXX XXXX XXXX XXXX ) confirmation of payment is XXXX 
I did not recognize my mistake until my Hyundai statement arrived and did not reflect the payment made on XXXX/XXXX/XXXX, in the amount of {$220.00}. 
The Branch Manager of XXXX, XXXX XXXX ( XXXX ) met with me on XXXX/XXXX/XXXX. She contacted XXXX XXXX ( XXXXXXXXXXXX ) who confirmed payment was made to " XXXX '' but to the Hyundai account and address. She faxed a copy of the check, in which I was shown as the remitter and was deposited into an account shown on the reverse side of the check " cred to payee '' written opposite my account number ( XXXX ). I do not have an account with XXXX. 
I received a form letter from XXXX asking me to contact the XXXX in XXXX, TX. 
On XXXX/XXXX/XXXX I wrote XXXX and asked that they assist me in unraveling the error. No response to this date. I sent an email to XXXX on XXXX/XXXX/XXXX asking for help and no response. On XXXX/XXXX/XXXX i again wrote XXXX requesting that either the payment be returned to XXXX, pay Hyundai, or refund payment to me. No response to date. 
On XXXX/XXXX/XXXX I filed a complaint with the Office of the Attorney General, State of Florida, and received an email XXXX/XXXX/XXXX indicating that I should contact your office and they would also send my complaint to XXXX. They closed my file. 
I request your help in either getting my payment credited to Hyundai, or return the payment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: MIDCOUNTRY FINANCIAL CORP
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a installment loan with Heights Finance in XXXX. Lost my job due to work comp case in XXXX, they were notified. In XXXX, I received a letter from collection agency for {$3200.00}. I remained in contact with company. In XXXX, I received the last billing statement stating acct balance was {$3200.00}, but I was only able to pay {$98.00}, bringing total to {$3100.00}. The account went into charge off status. Had XXXX on elbow that same month & short term XXXX had not started yet. Company was aware, but continued to call & harass me twice a day even after the change in acct status. Due to the stress that caused, I wrote them & demanded they no longer call me, but to communicate in writing from here on out. Credit report disputes from XXXX, show they reported the balance to be {$3100.00} up until I paid {$3200.00} in XXXX, then they all of a sudden show an unpaid balance, today they show XXXX payments due for XXXX & XXXX. The company has never sent an updated statement showing any unpaid balance-my address has never changed, which could have been paid in XXXX if there were any, but continues to increase it on my credit report. Thankfully I check that or I would have no idea what they're doing!! The company also continues to update the account as if it is currently open. Everything they've sent me in XXXX shows the balance being {$3200.00}, I have a copy of the last statement & the check from the bank & when they processed it. The company themselves reported {$3200.00} for months, then {$3100.00} for months then when it was paid off they added more ... that's WRONG!!

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 2020-11-24
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a letter from Selene Finance regarding the servicing transfer. 

This is the only document I received from them. I received this on XX/XX/XXXX. I used the coupon in the document and pay the XXXX payment. 

They have been calling me and tell me I am late on the payment, which I am willing to pay. However, I have never received a statement or payment coupon for me to use. 

I have requested my mortgage statement and payment coupon for four time, and all their customer services told me they have put the note in. 

First time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Second time was requested on XX/XX/XXXX XXXX XXXX PT by phone. 

Third time was requested on XX/XX/XXXX XXXX XXXX  PT by phone. 

Fourth time was requested on XX/XX/XXXX XXXX XXXX  by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: MOHELA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Greetings, I have frequent and distressing problems with my loan company, MOHELA. My current problem is that they revoked my deferment ; while confusing ( I was under the impression from them that my XXXX enrollment was sufficient through XX/XX/XXXX! ), they also did so after a barrage of bizarre messages that appeared to change my loan terms from when they was instituted ( e.g., XX/XX/XXXX -- these were consolidated loans ), then notified me that a standard payment was due with less than 10 days warning. 

Further, they have ( and still do ) present me with conflicting information. I managed to get that first payment in by XX/XX/XXXX ( {$260.00} ), in fear of getting a 'late payment ' tag, but they were also telling me at the same time that a payment of a different amount ( {$270.00} ) was *first* due on XX/XX/XXXX. There is still conflicting information on their website -- it both tells me that a payment is due on XX/XX/XXXX ( {$270.00} ) and that no payment is due. Interest is accruing, however. 

Finally, I received no official explanation for the change in terms, nor why they instantaneously increased my Current Principal to {$21000.00} from {$20000.00} ( an increase, without explanation or warning, of {$400.00} ). 

I have asked them repeatedly for an itemized accounting of every aspect here, and they have stopped responding and refused to provide one, even after I indicated last week that I would contact you for help. At least once a year, I have some event like this occur with this company ; things only ever get sorted when I contact the CFPB or the Federal Loans Ombudsman. 

I am attaching a screenshot of my account after my recent payment ( as of today, XX/XX/XXXX ). 

Thank you for your assistance in getting MOHELA to account to me the circumstances of my Federal Loan. 

Best, XXXX XXXX MOHELA Account : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been a customer of Ace Cash Express for many years and I have never experienced this problem with this company before. I have tried for three days to get someone to correct this problem, but I keep getting the runaround and different responses from different people I talk to. 

I took out a payday loan in the amount of {$1200.00} which was deposited into my checking account on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I refinanced the loan and paid the fee of {$240.00}. On XXXX XXXX, XXXX, I refinanced the loan again and paid the fee of {$230.00}. However, now when I logged into my account online it says my current fee has now gone up by nearly double the amount and it is {$420.00}. 

I called three days ago to inquire about why my current fee had now nearly doubled and one lady told me that in the state of Ohio the APR can go as high as 5 % and my APR jumped from 2 % to 3.5 % when I refinanced, however, I do not find this APR information on my refinance documents, and I do not recall seeing this on the refinance loan documents I digitally signed. 

I have never had this happen to me with Ace so I was n't expecting my fee to nearly double. I called and spoke with " XXXX '' and " XXXX '' and they both told me that " corporate '' was investigating my account to find out why my fee when up so much and someone would be calling me back noon three days ago, or yesterday, but no one has called me back and every time I call, I get a different explanation of what is going on. 

Additionally, on the company 's website you can clearly see the Ohio Department of Commerce 's  rates and fee schedule and for the amount of loan I took out, on this schedule, it shows my fee should be around {$200.00}, not nearly {$500.00}. 

I am concerned because XXXX XXXX, XXXX is coming soon and Ace is either going to expect me to pay over {$1600.00} to pay this loan off in full or to pay another extension fee but this time instead of around {$200.00}, they are wanting nearly {$500.00}. 

I do not think this is fair because their fee/rate schedule for the state of Ohio that is listed on their website is not reflective of what they are charging me in their refinance documents. I have never seen a fee like this double being a customer with Ace. I would like this corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: TN
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:
Someone has access to my personal information and its ruining my credit by applying numerous accounts I don't have knowledge of what or what this could be.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: EQUIFAX, INC.
State: OH
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:
Hello I am submitting this complaint about the consumer reporting agency EQUIFAX. On XX/XX/2022, I sent a letter certified mail ( third attempt ) to EQUIFAX to validate or delete inaccurate accounts being reported on my consumer report. EQUIFAX responded with a false claim the accounts have been validated. EQUIFAX has yet to show proof or any contractual agreement to support the claim of the account being validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I contacted a shoe seller on XXXX to purchase 4 pairs of shoes for a total of {$1500.00}. One transaction was with XXXX for {$750.00} and the other transaction was with XXXX XXXX for {$750.00}. Both of these payments were sent on XX/XX/2022. Everything about him seemed legit so I sent him the money and he provided me with a fake tracking number and never sent the shoes to me. I tried to ask him to send me my money back and of course he wouldnt. So I contacted Wells Fargo which is the bank that is connected to my XXXX and XXXX XXXX. I opened claims and they said they could not refund me because the transactions were authorized. They never even allowed me to show my proof regarding the scam. I have screen shots of the messages on XXXX  between me and the scammer showing that he scammed me. I also have proof that the tracking number he sent is fake. It is XXXX. I tried contacting XXXX and XXXX but they said I had to contact my bank for a refund. However, Wells Fargo did not help at all. I am extremely upset and am looking for a refund.

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 2018-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Problem with personal statement of dispute

Complaint:
I have emailed Capital One twice ( XX/XX/XXXX and XX/XX/XXXX ) asking if they could please do a goodwill gesture and update my 2 late payments on my CLOSED Credit Card - 30 days late - one for XX/XX/XXXX and XX/XX/XXXX ) so that they show as 100 % on time payments. My daughter was in the hospital with XXXX and due to the fact that I had to stay in the hospital with her, I had to miss work and that caused for me to fall behind on my bills. I was really going thru a financial hardship during that time. Both times Capital One called me and said my issue didn't fit their guidelines so they couldn't change it. When I asked what those guidelines were, they couldn't explain that to me. I am and have been a loyal customer of Capital One since XXXX. I currently have 2 credit cards with them and ALWAYS pay on time and pay the accounts off every month. I am looking to purchase a house this summer and those 2 negative marks are hurting my credit. I would really appreciate the goodwill gesture of making that account current. Thanks in advance! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$2000.00}, {$3200.00}, {$2000.00}, {$300.00}, {$8200.00}, {$1200.00}, {$2000.00}, {$1800.00}, {$1800.00}, {$4000.00}, {$4000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

3. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

4. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8200.00} -This is not my account. 

6. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1200.00} -This is not my account. 

7. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account. 

8. XXXX/XXXX  with ACCT # XXXX opened on APR XXXX, XXXX with a credit limit of {$1800.00} -This is not my account. 

9. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1800.00} -This is not my account. 

10. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

XXXX. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 


-- AUTO ACCOUNT 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2022-04-03
Company: EQUIFAX, INC.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-03
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2018-01-06
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
After making numerous XXXX transfers into my Coinbase account, from my bank account. They will not let me withdraw any of this money to the same bank account it came from, with Coinbase saying its an unverified bank account. 

Have I been scammed? 

Keeping someones money against their will is theft, and I have reported their actions to the local XXXX Police authorities. The crime reference number I have posted to the Coinbase support pages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Gatestone & Co. International Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Gatestone contacted members of my wife 's family frequently and regularly over the past few years concerning a debt they claim belongs to my wife and I. Persisted to harass relatives even when asked to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
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:
Despite of informing and complaining several times regarding wrong information on my credit identification number XXXX, no actions have been taken from XXXX as well as Bank of America for wrong reporting of two hard inquiries dated XX/XX/2017. 

Bank of America has done wrong reporting for the aforesaid date. It has to be only one entry rather than two entries.

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 2019-06-28
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am having a problem getting approved from any lenders because of this creditor reporting a charge off on my business when the debt was settled and agreed to be removed off my report because of me being caught in the middle of situation that I was not aware off by EQUIFAX business. Please remove this from report off my credit. It is not reporting accurately in my report ... Missing information by XXXX XXXX business

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXXXXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine. 

experian 1. XXXX Account Number : XXXX This is not mine. 

transunion 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: IN
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/2021 I had sent letters regarding inaccurate and unknown alleged debts ob my credit reports. It has now been over 60 days later and I have not received a response. It is very frustrating as I feel that my concerns regarding this inaccurate information is being ignored. Section 611 ( a ) of the FCRA states that failure to investigate these items within 30 days give a reason for immediate removal of those items from my credit report. As stated it has now been over 60 days, and these items should be deleted promptly. I am demanding these accounts be deleted immediately or I will be filing for litigations due to the unresponsiveness and stress I've endured in attempting to resolve these issues. My information was involved in the latest equifax data breach and I fear it may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Changed open date to look like I opened account last year, which I did not open the account last year. It was opened almost 6 years ago and was getting ready to fall off and now it is effecting my credit majorly. I have requested this be changed repeatedly and no one wants to listen to me or do anything about it. In all actuality its probably months with in the dates to fall off and the collection company changed it right before so it wouldn't fall off.

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