BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
I have a loan with BANK OF AMERICA. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and BANK OF AMERICA with no successful resolution. XXXX  is only reporting me late. There was definitely an error on their part. I was never 60 days late last XX/XX/2019.

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 2021-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
On XX/XX/2021 I notice several rebillied from Capitol one after contacting the merchant they refuse to resolve the issues

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: FC HoldCo LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I bought a car from XXXX XXXX XXXX, In XX/XX/2018 They directed me to a finance company called XXXX XXXX XXXX. I thought this was a typical finance company, which when you are late you pay a late fee.. 

Anyway my due date on my loan is the XXXX of each month. I have been late each month but no over 30 days late. I am basically a month behind. I am seasonal business and my cash flow varies. I do not have a problem with paying a late fee. 

Now here is the part I did not understand when I signed the loan because I expected a simple car loan. In addition to the late fee XXXX charges a daily fee of {$12.00} up to the 30 days which added another {$370.00} to my monthly payment. Basically I have been paying interest only. I did not realize this until 8 months into my loan when I looked at the statement and did not understand why my balance was not being reduced.

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 2021-03-02
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I did receive my Equifax report but was interrupted before I could download it. 
When I returned to the computer about 15 minutes later, the paged had timed out, I tried to resubmit my datea but was turned away because I already received the report. 
How can I get a copy of this report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Professional Debt Mediation, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly disputed this account asking for validation from the company, and I have not received anything from them. I paid on the account a long time ago because an agent from the company told me I had to to make my credit better. As i was making payments I saw my score dropping. I called and the agent told me that paying them was helping me, but I don't know who they are or why paying them would help me. I have since been advised that agents are not allowed to give credit advice. I feel that between the " advice '' I was given, and the lack of validation when requested makes this a very interesting FCRA case. Please help me sort this mess out!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Suburban Credit Corporation
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My son XXXX XXXX was hospitalized on XX/XX/16 for a medical emergency. While at the hospital because it was an emergency I was never asked for his insurance card. When I received the first bill about a month later I immediately called and gave his Maryland XXXX Id number which would cover the bill 100 %. I was told by XXXX XXXX XXXX the original creditor not to worry the insurance would be billed. They never billed XXXX insurance and sent the account to collections at XXXX XXXX. When I called Suburban Credit I spoke to two representatives neither of which would let me explain. The first one hung up on me while she was pretending to figure out how to remove this charge and the second one basically said whos to say you called and gave the original creditor your insurance information. In other words calling me a liar.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We originally received a statement from Shellpoint Mortgage Servicing stating we owed over {$6000.00} after taking over our mortgage from XXXX. After filing a complaint, we are in receipt of a new letter stating we now " only '' owe {$2600.00} for " Bankruptcy Legal Fees ''. We have not filed for bankruptcy. We believe something is amiss here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BARCLAYS BANK DELAWARE
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:
There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

1. XXXX XXXX Balance {$120.00} Shows charged off. I never opened this account. 

2. XXXX  XXXX Balance {$490.00} Shows closed. I never opened this account. 

3.Barclays bank Balance {$0.00} I never opened this account 4. XXXX XXXX Balance {$0.00} I never opened this account 5. Department of Education This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late.

6. XXXX funding Balance {$460.00} They claimed this account was collections for capital one. Again I never had any open account for capital one as they are claiming.

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.

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 2022-03-01
Company: Shellpoint Partners, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX has Shellpoint Mortage Servicing company working for them. This company is the problem. And they are not correcting their agent. Meet help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: JPMORGAN CHASE & CO.
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and JPMCB Card, XXXX XXXX  XXXX, and XXXX XXXX XXXX. The Account Opened is JPMCB Card Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$5000.00}. The Account Opened is XXXX/XXXX  XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$6100.00}. The Account Opened is XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$1400.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: HYUNDAI CAPITAL AMERICA
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Hyundai Capital America and XXXX Card. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00}. The Account Opened is Hyundai Capital America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00}. The Account Opened is XXXX  Card Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2021-02-12
Company: Telsa Motors Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I purchased a house with a solar power purchase agreement with Solar City, ( now Tesla Energy ) lien on the title and assumed the remainder of the lease term. The contract stated that starting 5 years after the beginning of the agreement, there would be an option to buyout the system at fair market value. 

At the 5 year mark, I requested a buyout estimate and received one for {$21000.00}, which is more than the cost to install a new system. 

When I asked them to justify this they said it was a combination of the fair market value of the a cost approach and a discounted cash flow model from my payments to them. 

A discounted cash flow valuation of my payments is not the fair market value of the solar system and I believe it is grossly overstated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nevada XXXX XX/XX/2022 RE : PERMISSIBLE PURPOSE LETTER To whom it may concern. 

I, ( XXXX XXXX ) never gave ( EQUIFAX, XXXX, OR, XXXX XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute You also do not have any permissible purpose to furnish my personal information to any third party.

15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts : Name of Account Account Number Provide Verification XXXXXXXX XXXX XXXX XXXX Unverified Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
My XXXX XXXX report showed a drop in my credit score due to closing an account with XXXX, and some bank associated with XXXX. I never had or ever applied for this account. I had no idea an account was made in my name and had never contacted them to open any account. I responded to XXXX and asked for it to be corrected but was told that their internal investigation found no wrong doing on their part. When I first contacted them they couldn't even find an account in my name but then determine that it was a real account. How does that even happen, they have no record of me signing anything because I didn't. I appealed to transunion for help and they said they wouldn't remove it either. What else can I do it dropped my credit score by 39 points when they closed this account that I had never opened. Im so upset and I need help, please someone help 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 explanation
Consumer complaint received 2018-06-18
Company: Fairway Capital Recovery, LLC
State: OH
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:
FICO Score History Date Fico Score ( as Reported by XXXX  ) XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX How can someone trust this report which fluctuate without any wrong doing by a consumer? Can XXXX  attribute thygose score to the already settled collection ( XXXX XXXX, XXXX )? Eradic reporting resembles a torture of consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Name Is XXXX XXXX XXXX XXXX. I am a XXXX-year-old XXXX XXXX Male. I am a veteran. i am XXXX XXXX XXXX. I work full time. I am a XXXX for the XXXX department for 6th largest XXXX XXXX in the Country. My address is XXXX XXXX XXXX. XXXX XXXX XXXX. The property is in XXXX XXXX. My Mr. Cooper Mortgage account # is XXXX.My Loan Application # is XXXX On XX/XX/2021 I was offered a VA re finance Loan by Mr. Cooper Mortgage . This is a special program offered to veterans to lower their interest rate. Mr. Cooper currently hold the loan on my house. Ms. XXXX XXXX ( XXXX ) is the loan Manager and Ms. XXXX XXXX ( XXXX XXXX ) in the loan processor. Ms. XXXX sent me a disclosure offering me a 2.3 % interest rate lowering my monthly payment by {$400.00}. XXXX per month on are about XX/XX/2021. I docu signed for processing. The underwriter Inspiring Closing, Ms. XXXX XXXX, then started their process. Due to XXXX treatment and XXXX XXXX, I added my minor daughter 's name to my Deed as survivor in residence. I received a request From Ms. XXXX to send over my daughter 's birth certificate, I am her biological father listed on her birth certificate and I was told to get a Guardian ship court order. I had my minor daughter 's name removed from the deed. 
I was also told to get flood insurance, which the FEMA flood maps show that my House is not in a flood zone. My existing mortgage did not require flood insurance the mortgage is with this same company. There was no prior request to get flood insurance My loan was declined. I have not received a reason for the decline. This is discrimination because I am of XXXX color. I meet all the requirements to qualify for this VA refinancing. 80 % of people of XXXX color are discriminated against by Mortgage lending institutions. Because of this institutionalized discrimination only 42 % of the XXXX skin and XXXX population in America are homeowners. 75 % of the white population own property. Therefore, people of color are denied home ownership despite their service to this country, and hardworking taxpayer which I have worked 48 years, I am being denied equality just because I am of brown skin. Iam seeking equal justice, and opportunity for the refinancing under the law. I believe Mr. Cooper mortgage is in violation of my rights to be treated equal as a citizen and taxpayer. If I were white, I would not be held to this scrutiny. My question is are all applicants held to this standard of treatment? Are XXXX Americans held to this standard when seeking to reduce their interest rate with there existing mortgage company? I will continue to pursue this matter with other agencies as I am trying to prepare for my retirement because of my age and medical condition. This re finance is necessary. 
Other contacts for Mr. Cooper Mortgage : XXXX XXXX ( XXXX ), XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
i was unable to view my account for my card online there was a prompt saying that unauthorized purchases needed to be reviewed for some kind of fraud issue. i called in and i was told that i needed to use docu sign to authorize to have my tax papers reviewed to confirm my identity. I was misled and there was no fraud. I was also told with the current pandemic this could take weeks and my card may or may not allow for purchases. I advised this is not the best time to do this as the world is experiencing a pandemic and stopping a card at this time could hurt a customer financially. I am not sure what other customers are going through this, but this shouldn't be allowed during a time like this. Something needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I opened an account in Bank of America in XXXX, and I deposited XXXX dollars in it. Because of the epidemic, I have not used this money.I didnt make any transactionbut someone transferred my money away on XXXX XXXX The bank did not notify me. I found this problem on XX/XX/XXXX, so I contacted customer service, but The customer service only gave me the transaction record and gave me the phone number, but the phone couldn't get through. When I called, the ring rang and it was disconnected. I tried to find the customer service many times. I was helpless. Now I have no job, no income

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 2021-02-12
Company: BANK OF THE WEST
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This complaint is in response to the Bank of The West account. They stated that I made a payment last year. I have not made a payment for YEARS. I need proof that this payment was made by me. Also this account has been on my credit for 13 years. I have made several attempts to resolve this debt in that time but never can really come to an agreement with y'all. I paid the debt 3 times now and you have repossessed the RV, you have made a lot of money off of my deal with you and although i did default you got your money 's worth and continue to ruin my credit. Again I have not made a payment to you in a really long time. This debt is super old and i do not owe you this debt. I did not make payment last year, i refuse to make any payments and i have for a while now since you're very difficult to work with. I need an itemization of the payments i have made including account numbers so that i can match those to my records. Regardless I need this debt removed from my credit file. It has been there for 13 years and if i need to contact he attorney general and file more complaints i will. You are erroneously reporting and adding payments to my account to restart the statute of limitations and i will not let you continue to hurt my scores.

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 2017-12-06
Company: Experian Information Solutions Inc.
State: NV
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:
Experian was notified on XX/XX/XXXX that the XXXX XXXX account had been charged off on XX/XX/XXXX. Prior to XX/XX/XXXX Experian was reporting the XXXX XXXX account as closed, current, and never late. As of XX/XX/XXXX Experian changed the XXXX XXXX account to Derogatory along with a balance of {$800.00}. Experian Credit Reporting Acengcy also listed that the account had been charged off on XX/XX/XXXX. That is seven years after the actual account was charged off. This is re-aging an account and is illegal. The account is over seven years of age and should not even be on my credit report!!!! The original loan was never even in my name. It was a car that my husband leased in his name. I will include letters from XXXX XXXX showing only my husband listed as the borrower, proof of when the account was charged off, copies of my credit report from Experian Credit Reporting Agency showing that they charged off the account one month ago on XX/XX/XXXX. I am now getting notifications as if I just filed a bankruptcy, when in fact my bankruptcy was discharged back in XX/XX/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