BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My XXXX  was a XXXX Veteran who was exposed to XXXX XXXX and passed with XXXX in XXXX. Because he was 100 % disable I am entitled to all of his benefits. I have a XXXX XXXX with Freedom Mortgage. We have never missed a mortgage payment in XXXX years. I received a call from Freedom Mortgage asking if I wanted to do a XXXX  XXXX. I advised them I did not want to do a streamline however, wanted to do a refinance cash out, because I needed to replace the furnace, remodel the kitchen and other upgrades. I asked what the minimum XXXX XXXX was for a XXXX refinance and was was told XXXX. They ran a hard credit pull and my score was XXXX. I was told I qualified. They told me they would complete the application and get back with me with terms, interest rate, etc. The next day I received a call stating I did not qualify because even though I met the credit requirements, debt to income ratio, etc., they were not doing cash outs for XXXX XXXX because XXXX XXXX are considered " at risk ''. I am XXXX XXXX years old and an XXXX American XXXX and I think they denied my loan based on my XXXX and XXXX. I received a denial letter today which list the reason for denial as " ineligible applicant ''. I called Freedom Mortgage requesting a clarification to no avail.

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 2022-01-11
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: Account information incorrect

Complaint:
I reviewed my XXXX XXXX account and noted Equifax lowered my credit score by two points with 2 pieces of information. One showed a balance of {$170.00}. ( XXXX XXXX ) the other showed a decrease of {$300.00}, but they still decided to lower the score 2 points for such a negligible balance on my XXXX 's card. I am angry about this. I have paid off all of my credit card accounts over the past few months and they didn't bother to raise my score but one time. They have lowered it multiple times. This last time was really inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Hunter Warfield dated XX/XX/XXXX which was an attempt to collect on a debt that I did not owe, and never incurred. I received this letter on XX/XX/XXXX. I sent a demand for a debt validation letter on XX/XX/XXXX via XXXX certified mail. I never received the requested validation, or any communication from Hunter Warfield, until today. Today, XX/XX/XXXX I received another letter dated XX/XX/XXXX which was an attempt to collect on that same debt which I do not owe and never incurrred in the amount of {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The car was sold to me with many problems. I tried to resolve issue with company several times but they gave me no solution. I was basically sold a lemon car.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-26
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I need a security alert and freeze removed from my account and credit reports. I attempted to reach out to the credit bureaus and nothing was done. They refused to remove them immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CarMax, Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Account # XXXX When I was buying the vehicle I was not informed about the heavy daily finance charge. it was hidden in between their long XXXX page contract during the loan disclosure. 

It's been approximately 3 years and this has put me in deep debt since Covid. 

My monthly payments are {$300.00} and {$85.00} of it are allocated to daily finance fees. This only leaves me with a principle of {$200.00} going towards my loan monthly. Please note, I have paid the full due amount every month on time. 

This is predatory and has put me in debt and hardship, especially after Covid. I didn't know I was getting taken advantage of with my car payments until I spoke to a XXXX. In addition to this, the APR ( 9.45 % ) was unfair for someone with a XXXX XXXX XXXX and who never made a late car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/XXXX : Opened checking account with the promotion of the following terms : Within sixty ( 60 ) days of account opening, at least one electronic direct deposit from an unrelated 3rd party ( e.g. your employer or a government agency ) in the amount of at least {$300.00} must post to the new checking account.

The {$200.00} cash bonus will be deposited into the new checking account within 60 days of meeting the bonus requirements described above. The account must be open with a positive balance at the time the bonus is deposited. 

XX/XX/XXXX : Received a direct deposit from employer in the amount of {$300.00} XX/XX/XXXX : Called bank and CSR acknowledged bonus should have posted but he was unable to post the bonus. 

No bonus posted as of XX/XX/XXXX. Bank did adhere to their terms and conditions. Bonus was not posted within 60 days of XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs I have Been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-17
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX C/O RESURGENT CAPITAL SERVICES XXXX XXXX  XXXX XXXX, SC XXXX ( XXXX ) XXXX ACCOUNT NUMBER XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Not my debt tried to tell them that multiple times but they call me constantly they even threatened my life I would like them to take this off my credit report and pay me some of {$1000.00} for the harassment phone call they broke the fair debt collection practices Act plus I am not even the grand tour of that credit card or alone or whatever this mark on my credit is I did not sign any papers to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-06
Company: Pinnacle Finance LLC
State: GA
Product: Credit reporting 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 would like the following inquiries to be deleted, I did not authorize these companies to run my credit. This is fraudulent. 

Pinnacle Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts are invalid and unverified, they were placed in my file without proper verification or authorization in accordance with sections 609 & 611 of FCRA I SUBMITTED DISPUTES ON XX/XX/XXXX ( NO ACTION FROM BUREAUS/ RESUBMITTED 2ND TIME XX/XX/XXXX XXXX XXXX  # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 

XXXX XXXX # XXXX was disputed on XX/XX/XXXX it is a collection account that is not mine under FCRA section 609 I requested a copy of the document with my original signature, it has not been produced thus far and i have had no communication with this company whatsoever to establish or acknowledge this account/debt information. 
the following Inquiries are on my account in violation of section 611 and I gave no consumer consent to these companies and therefore no permissable purpose exists : XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 



INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2021-09-11
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company, Bridgrcrest calls multiple times a day harassing me constantly. They do not stop. They use the tactics to intimidate and scare people into agreeing to payment plans that are not attainable. They have also called my family, who are not on the loan stating that they need to speak with me about an important business matter. This goes on ALL DAY LONG. I am sick of them harassing and trying to intimidate me. This should not be allowed. I am asking the Consumer Financial Protection Bureau to step in and investigate this company and their collection tactics. Im not even a month behind and they call me, my mom, and my sister ALL DAY LONG. We block the number and they call from another toll free number. Ill be happy to show all of our phone logs to prove their illegal practices

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 2023-10-06
Company: Carter-Young, Inc.
State: MT
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I moved out 5 years ago now. I left my forwarding mail address, in addition to my email and phone number, and never received any communication regarding an outstanding balance. According to this debt collection, I owe {$370.00}. I don't know what this is for. I was never contacted. I only found out about it from my credit report. I would have paid this amount if someone reached out to me and explained. This is a lot of effort over a small amount. But now it's the principle of it, I am ready to hire a lawyer over this amount because of the way the XXXX XXXX XXXXXXXX handled it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: DISCOVER BANK
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Made two ACH transfers from available funds in account at Discover Bank to newly opened account at XXXX  XXXX XXXX on XX/XX/2021. Transfers were initiated with Discover and sent on XX/XX/2021 but when I called this morning to find out what time the funds were sent, I was told there was no time stamps on either of the transactions. Test credits and debits were sent by Discover Bank to XXXX  XXXX XXXX on XX/XX/2021 to verify the XXXX XXXX XXXX account. I called XXXX XXXX XXXX and was told the funds would be credited to my account by Tuesday or Wednesday and now it is Wednesday XX/XX/2021 and the funds have not been credited to my XXXX XXXX XXXX account. Stay away from Discover Bank. This is my second complaint against them in one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate late payments that remain on my credit report despite multiple attempts to correct the information. The credit reporting agencies and the creditor have failed to provide any documentation or evidence of the accuracy of their reporting, yet they continue to report the inaccurate information on my credit report. 
I have sent multiple letters to the credit reporting agencies disputing the accuracy of the late payments, citing laws such as the Fair Credit Reporting Act and Fair Credit Billing Act. In response, the credit reporting agencies claimed to have verified the accuracy of their reporting, without providing any evidence or documentation to support their claims. 
I have also sent a letter to the creditor disputing the late payments, and demanding the immediate removal of the late payments from my account, as well as the production of documentation such as transactional history, billing statements, and any other documents that the law allows me to request from creditors regarding billing errors. The creditor has failed to respond to my request. 
Despite my efforts, the inaccurate late payments remain on my credit report, damaging my credit score and making it difficult for me to obtain credit or loans.

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 2019-11-27
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Progressive management systems violated title 15 usc 1692c they didnt have my written consent to contact me nor did they have consent to contact any 3rd party ( credit bureau ) without my consent which is invasion of privacy and especially when progressive management systems is FTB suspended which means they are not licensed to do business they can not legally do business Ill upload it on here. Im asking for monetary relief and please be advised that the address thats on the Secretary of State is different from progressive management system address when they registered in 1978

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: NY
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:
When you log into your account there is a " virtual card '' feature to get a virtual card number to use in certain situations where you might not want to give your actual physical card number due to fraud concerns. The only way to access this virtual card is through a phone number which if Iam not home I cant get access to the virtual card. 

There use to be an option to have the security code e-mailed to you, I need that feature back or I am being discriminated against for not having a cell phone. I can not use this feature unless I am home. 

I opened a ticket XXXX but they never responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: AFNI INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was recently notified that Afni, Inc. collection reported an account that I previously disputed as identity theft with the original creditor and with Afni on my credit report. They even reported an address with the account that I never lived at. This is illegal and a violation of the FCRA and FDCPA. I want them to remove this item because it is not mines and is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
This complaint is for all three credit bureaus, not removing information from my credit file and TransUnion requesting information that has already been provided as proof of my identity regarding a dispute. 

XXXX XXXX should be removed from all three credit reports. **Per written document included with this complaint-

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 2022-08-31
Company: HYUNDAI CAPITAL AMERICA
State: FL
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:
Complaint against Hyundai Motor Finance ( HMF ) I am complaining against Hyundai Capital America aka Hyundai Motor Finance ( HMF ) ( which is related to Kia Motor Finance ), which adversely affected my credit which resulted in me being denied credit by some auto dealers, humiliation and defamation, for which I am seeking relief and damages. 
In or about XX/XX/XXXX, I had signed a lease with Kia motor finance to lease a XXXX vehicle. According to the lease agreement my monthly lease payment was $ XXXX for a total of 36 months I paid all my monthly lease payments as stated in the lease agreement. 
Somewhere in the middle of the lease period ( after over a year into the 3-year lease ), Kia started harassing me that I needed to pay a few XXXX dollars more. XXXX claimed this was some additional ( property? ) tax I needed pay. However, I was not the owner but a renter of the automobile and the lease clearly stated my obligations were as stated on the lease, namely $ XXXX for 36 months which I was paying or would pay as per the agreement. 
Then, Kia ( aka Hyundai ) apparently reported me to credit bureaus as being delinquent on my auto payments by a few XXXX dollars. 
Recently, in XXXX XXXX, when I was shopping around to get a new vehicle, I discovered that Hyundai had adverse information about me in my credit reports because of which some auto dealers denied me credit. 
My credit report also showed multiple hard inquiries from Hyundai/Kia dealers or other financing entities which also adversely affected my credit scores. 
This caused me great stress, XXXX  and distress and harmed my credit standing and ability to purchase or lease a new vehicle that I wanted to.

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