BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: 1803 Capital, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I wanted to buy a house so the XXXX  said I had to build my credit and I had a car that was paid for XXXX XXXX XXXX XXXX good condition and I used it to trade it in a complete auto sales in XXXX XXXX XXXX  for a XXXX XXXX XXXX which turned out to be a lemon not only did they used paperwork from the previous day purchase of a XXXX XXXX XXXX XXXX day and took it back the next day and ended up with the XXXX but they use the same paperwork as XXXX XXXX as my signature and also done a hard inquiry about XXXX times going back to the XXXX XXXX unable to take the tires off because they didnt supply me with a jack or spare tire not only that I can not get the right rear tire off. XXXX take it to every major tag company and no one can get it off.and knowing that it would put me in grave danger if I was to get on the highway and have a blowout!! not only that they charge me a very high interest rate, I had it I had a XXXX XXXX of XXXX and the interest rate in a be in XXXX  % & also added on additional charges and fees after I had signed using aggressive sales tactics so Im asking for not only compensation for the mental and physical toll this has taken on me but my automobile back my XXXX XXXX XXXX if not some similar {$12000.00} would be a reasonable compensation

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX  reported on Equifax that I owe {$420.00} which is incorrect I Called XXXX XXXX XXXX XXXX  showed proof that I had video recording of me dropping the dropbox off XXXX XXXX company telephone number They change the price from XXXX to XXXX which I do have proof of I also pay them every single XXXX of {$190.00} I have my proof of receipt from the company by email They did say theyre reporting this to the credit bureau to have taken off But I reached out to have this taken off which Equifax credit plays said they would investigate and do so and they failed to do so Every time I try to get in contact with them they will not respond This is hurting my credit for unjustified reporting fraudulent report Keeping incorrect information on my account is hurtful I have proof if Im able to upload I would like to show everything please

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a prepaid card issued by Regions Bank. On Saturday XX/XX/2019 at XXXX I tried to deposit XXXX on to the card at their atm at XXXX XXXX XXXX, il. 
It took the money and never closed the cover, therefore in order to get my card back I had to cancel the transaction. 
When I cancelled the transaction the cover shut did not give a receipt stating transaction was cancelled.

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 2018-03-07
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX seized my vehicle this morning without attempting to communicate with me in person. By doing so, they took possessions of mine that are in the car. I am in the process of filing Chapter XXXX ( have not finished filing paperwork with court but have been working with an attorney for over a week ). I have both electronic key fobs but do not know where the car was towed so that I can retrieve my items and return the keys. 

I want to return the keys and retrieve my items as well as check under the seats for any other personal things.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased 2 sets of LED lights through an advertiser on XXXX XXXX XXXX XXXX XXXX XXXX. Product was paid through XXXX. The advertised product used images and name of " XXXX '' which is the intellectual property of XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). I have some of XXXX products and since their name and images were being used on the sales page, thought this was their product. Upon receipt of the product, it is not theirs. Attached are pictures of communication with XXXX XXXX, their refusal to provide refund etc. Their XXXX  page shows a XXXX address, the product was shipped from Illinois and they want return to XXXX. The product is not as advertised. 

Seller is misrepresenting product as " XXXX '' a registered intellectual property of XXXX XXXX in their advertising and marketing ( see original dispute form and submitted files ). The product shipped from a fulfillment center at XXXX XXXX XXXX, XXXX, IL USA USA and they now want returned to XXXX at purchaser 's expense. Definitely a way to discourage/eliminate return and refund of product. The use of the " XXXX '' trademarked intellectual property in the product listing leads consumer to believe they are purchasing the product of said intellectual property holder. 

After filing dispute with XXXX, they heard from seller with option to return to XXXX for consideration and refund. XXXX is not considering the fraudulent use of someone else 's intellectual property or standing up for me as a consumer with a fraudulent product. 

The product was shipped from an address in the US, I believe you should be able to return to the US address. The cost to return 11 oz to XXXX is {$36.00} USD This is to discourage from returning product and stalling or eliminating 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 2020-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
There are late payments reporting on my report that are extremely inaccurate for my auto loan. I did not make late payments over 30 days past due from XXXX to XXXX of 2020 I have attached proof so that these payments can be corrected.

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 2020-02-07
Company: EQUIFAX, 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 went to help my daughter get a apartment, while I was there I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about an I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX  XXXX XXXX {$11000.00} XXXX XXXX {$50.00} XXXX XXXX XXXX {$81.00} XXXX   XXXX {$1500.00} XXXX XXXX XXXX  XXXX {$140.00} XXXX XXXX XXXX {$6500.00} DPT TREASURY XXXX {$230.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$9000.00} XXXX  XXXX {$100000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX has been non-compliant with removing the unverified account XXXX/CARE CREDIT which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that XXXX/CARE CREDIT was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

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 2020-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the XXXX data breach occured and I was afraid my information may have fell into the wrong hands

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 2019-06-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Loan Depot wrote a note of {$170000.00} fraudulently and have slandered me, created credit rift and partially destroyed my Social Media Profile. 
I've contacted Connecticut State Attorney Generals Office, XXXX XXXX XXXX, Associate Financial Examiner, Dept of Banking, Consumer Affairs Office, Tel. Direct in XXXX ( XXXX ) XXXX and recently filed a Complaint against Loan DEPOT. 

Connecticut Superior Court Docket # XXXX Judicial Branch Case Detail : XXXX : XXXX? 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 2023-04-06
Company: SANTANDER HOLDINGS USA, INC.
State: MA
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:
Santander consumer reported my account 30 days late for the months of XXXX, XXXX, and XXXX when account was in fact paid. I have statements from Santander that show account was paid before the due date. This is not the first time Santander has falsely reported information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: Ocwen Financial Corporation
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
IN XX/XX/XXXX A PERSON WAS SENT TO VERIFY MY ADDRESS AT XXXX XXXX XXXX, XXXX, NJ XXXX. THE PERSON, XXXX XXXX, WAS HIRED BY AN ATTORNEY, XXXX XXXX TO MAKE THIS VERIFICATION DUE TO A DELINQUENT MORTGAGE ON XXXX XXXX XXXX, XXXX, NJ XXXX. 
THE MORTGAGE COMPANY WAS OCWEN LOAN SERVICING WHICH HAS NOW BECOME PHH. 

MY RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX HAS NEVER BEEN QUESTIONABLE. ALL MAIL SINCE THE MORTGAGE ORIGINATION IN XX/XX/XXXXHAS BEEN SENT TO THE RESIDENTIAL ADDRESS. 

MR. XXXX XXXX TOLD XXXX XXXX THAT HE CAME TO THE RESIDENTIAL ADDRESS OF XXXX XXXX XXXX, XXXX, NJ XXXX AND FOUND THAT IT WAS AN ABANDONED BUILDING THAT HAD BEEN FORECLOSED ON. TOTALLY FALSE. 

AN APPEAL WAS MADE TO MR. XXXX XXXX AND TO THEIR LAW FIRM TO REMOVE THIS FALSE INFORMATION. THE LAW FIRM IS XXXX XXXX XXXX WHICH IS THE LAW FIRM REPRESENTING PHH. 

I AM NOW APPEALING TO CFPB FOR AIDE IN CORRECTING THIS FALSE INFORMATION. 

THE HOUSE IN QUESTION IS A RENTAL AND HAS ALWAYS BEEN A RENTAL. 
LANDLORD LICENCES HAVE BEEN ACTIVE SINCE XX/XX/XXXX WITH THE CITY OF XXXX. I HAVE NEVER LIVED THERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
TransUnion advertised free credit monitoring, and did not mention any charge when signing up for their service. However, after signing up for their service on XX/XX/XXXX, I received a previously undisclosed monthly charge for XXXX. 

There is also no online location I can find to cancel the monthly charge.

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 2022-10-05
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I became XXXX after buying my home ; I have done a few modifications and California Keep your home helped me out in XXXX by applying XXXX to my loan with nothing to pay back if I kept my home for a minimum of 10 years I would not have to pay the loan back. The unfortunate part is the way my loan is set up I was hoping that I could be placed in a better position with one day owning my home ; my loan is set up to be paid off in 52 YEARS and I probably wont be around by then so I reached out to PHH mortgage company for help. 

MY COMPLAINT DATES BACK TO XX/XX/XXXX, THE NOTED LOAN CONSULTANTS ADDRESSED IN THIS COMPLAINT IS SOLELY DUE TO UNETHICAL BUSINESS PRACTICES. XXXX XXXX GATHER ALL MY INFORMATION, I paid {$600.00} FOR AN APPRAISAL AND {$20.00} TO LOCK IN RATE ON XX/XX/XXXX, the appraiser did what she was suppose to do the title company sent information but not even ONE PHONE CALL from the loan consultant or ANYTHING ELSE FROM THIS PERSON WHICH PLACED ME IN A REALLY UNEASY AND UNCOMFORTABLE POSITION. I GAVE ALL MY PERSONAL INFORMATION AND PAYED FOR SERVICES AND NO FOLLOW UP CALL WAS UNPROFESSIONAL. THEREFORE, I WAS FORCED TO FILE A COMPLAINT WITH ANYONE WHO WOULD LISTEN AND IN DOING SO, I WAS PUT IN CONTACT WITH THE SECOND LOAN CONSULTANT XXXX XXXX AND AS SOON AS XXXX XXXX REALIZE HE WAS NOT GOING TO MAKE ANY MONEY OFF THIS DEAL THE CALLS FELL OFF. XXXX XXXX ALSO ASKED TO USE MY DAUGHTERS CREDIT AFTER INFORMING HIM THAT HER CREDIT HAD TAKEN DRASTIC HITS AND SHE HAS HER OWN HOME BUT THEY COULD CARELESS ABOUT DOING BUSINESS IN A ETHICAL FASHION. I understand if they cant help me but I HAVE made several attempts of REQUESTING A COPY OF THE {$600.00} APPRAISAL REPORT AND THE NOTED COMPANY HAS FAILED TO PROVIDE ME WITH A COPY! SO UNPROFESSIONAL. 



XXXX XXXX Loan Consultant XXXX ( XXXX ) XXXX XXXX XXXX Loan Consultant XXXX # XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: DISCOVER BANK
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: Lending Club Corp
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
An ACH transfer was accepted by LendingClub XXXX XXXX.on XX/XX/21 but the funds have not been deposited into my account as of XX/XX/21. 

I have reached out to them and they will not deposit the funds, saying they can not track them down, I have documentation showing the ACH transfer was accepted. 

Now they are not accepting my phone calls and I can not speak to anyone to get a resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Experian Information Solutions Inc.
State: PA
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 noticed the XXXX XXXX XXXX was reporting to the credit bureaus that I owed them {$420.00} for account # XXXX ... I sent letters to them XX/XX/XXXX, certified mail ( tracking # XXXX ) on XX/XX/XXXX and XX/XX/XXXX. In these letters I asked them to validate this debt. With all documents pertaining to this account. I also requested any receipts or any documentation bearing my signature. They have yet to respond. They are continuing to violate federal law by knowling reporting inaccurate information about me.

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 2022-08-12
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, " If a lease expires on a specified date, no notice is required, it simply expires. '' My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.

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 2021-09-20
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX a random person opened a cable account in my name fraudulently at XXXX XXXX in XXXX XXXX somewhere I have never lived in my life had it set to be installed on XX/XX/XXXX and was in service until XX/XX/XXXX leaving the accountwith XXXX in charges. I only recently received this information through my credit report in XX/XX/XXXX and have been stonewalled since, but because a young man at XXXX was kind enough to actually give me some tiny bit of information I can finally have this taken care of. I have been trying with no success for multiple months to get this resolved. The collection agency Covergent Outsourcing has been harassing me flagging my credit constantly causing over 100 point drop in my credit and was refusing to give me any information once I stated I was going to file a police report. I have attached the approved police report. I was XXXX  during the interim of this incident and have provided docs as proof. Thank you for your time in this matter. This collection agency Convergent Outsourcing has done nothing to help alleviate the distress caused by this identity theft I am dealing with. I have basically given up hope that this identity theft will be removed from my credit record due to how aggressively this company tries to collect unwarranted debts.

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