BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently mailed a certified letter to Hyundai motor finance concerning a charge off reporting on my consumer report. Hyundai motor finance is reporting inaccurate info. I am heartbroken that you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and household purposes. 

You and your inaccurate reporting have damaged my livelihood. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Even if you didnt receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS clearly defines a charge off as gross income or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 
The IRS clearly says a Cancelled or Charge Off is Income. The reporting of this account as a debt is inaccurate. 
15 USC 1681S-2 says Hyundai Finance you are a furnishing information to a consumer reporting agency.

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 2022-02-17
Company: Genesis FS Card Services, Inc.
State: NY
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 have filed a dispute in regards to incorrect items on my consumer report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: NC
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:
The information is being reported incorrectly : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
Hi, for the past 4 months I've been going back and forth the credit reporting agencies regarding these accounts in question and the reason for this is because I know that these accounts are being reported incorrectly. Under the Fair Credit Reporting Act ( 609 ) it is my right to challenge any account in my credit if I believe they are being reported inaccurate, unverifiable or incomplete. I believe they are and some of them have been corrected on some of the bureaus and some have not. I would like to make this complaint to show the level of urgency I have towards this matter. If you can please help I would really appreciate it. These accounts have to be deleted since they are holding my credit scores back and I'm looking to use my credit soon to make a major purchase. Thanks!

ACCOUNT NAME : CAPITAL ONE, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

ACCOUNT NAME : XXXX XXXX XXXX, ACCOUNT # : XXXX, DATE : XX/XX/2016, BALANCE : XXXX, REPORTING ON : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Google Compare Credit Cards Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX I initiated an in-app purchase for {$24.00} in the XXXX XXXX  app. Because I have an XXXX device, the payment transaction was done the XXXX XXXX XXXX and {$24.00} was immediately deducted from my XXXX XXXX account. Instead of immediately receiving my in-app purchase, XXXX XXXX displayed an error message about a fatal error and directed me to restart the app to collect my purchase. 
When I still had not received my purchase after several restarts and reinstalling the app, I used the XXXX XXXX XXXX 's on-line " report '' process to request a refund. In response, Google refused to issue a refund because their refund policy did not authorize refunds for my issue - not receiving my purchase. 
Unhappy with the automated response, I requested a call from the XXXX XXXX XXXX to resolve the issue. After spending several minutes on hold waiting for the representative to further investigate the issue, I was told the delay was caused by a glitch and that 24 hours after the transaction either I would have my purchase or a refund. 
When 24 hours passed without receiving my purchase or refund, I again spoke with a XXXX XXXX XXXX representative by phone. Despite requiring XXXX users to make payments through the XXXX XXXX XXXX, This 36 minute phone call consisted of the rep telling me that Google could not issue a refund and that I needed to talk to the developer. When I objected because XXXX XXXX is an agent for the developer and asked to speak to someone with authority, I was told there was no person available. 

1 order ( s ) not refunded for a total of USDXXXX XXXX Gold ( XXXX XXXX ), USDXXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : Case ID [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: SUN LOAN COMPANY INC.
State: TX
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 requested validation from this company and was sent a statement but still no signed legal instrument of indebtness with my physical signature. This company also updated information with the credit bureaus while this account was under investigation. I have attached statement that I was sent as well as the information and dates showing that this account was updated with the credit bureaus during the investigation

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 2020-09-15
Company: EQUIFAX, INC.
State: LA
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 mailed in disputes weeks ago and the credit bureaus have not responded. The following accounts and inquiries do not come from anything that I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: AR Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
( AR RESOURCES INC ) at ( XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ) has been sending me collection notices in the amount of ( {$390.00} ). The collection has been reported as passed due balance. I do not know this company. I have never done any business with this company. This company does not have a contact with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Step 1 : What is this complaint about?

Inaccurate credit reporting.

Step 2 : What type of problem are you having?

Mr. Cooper 's mortgage company reported my second mortgage as delinquent which affects my ability to buy a new home. I tried to work out the problem but their agents are not responding to my emails or phone calls.

Step 3 : What happened?

In the proc
ess of trying to refinance my loan with Mr.cooper, a loan officer told me to stop making payments on my second mortgage. Then, they turned around a report me as delinquent on my payments.

Step 4 : What company is this complaint about?

Mr. Cooper mortgage or Nationstar Step 5 : Who are the people involved? 
Loan officer XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: DigniFi
State: CO
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:
On XXXX Dignifi Received Electronically a payment in the amount of XXXX, as of XXXX Dignifi reported my account as 30 days late to the credit bureaus and had not posted the payment. 

As of XXXX the payment still has not be processed, my bank has reached out my banks payment processor has reached out multiple time to Dignifi without response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: Experian Information Solutions Inc.
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: Public record information inaccurate

Complaint:
I have asked the credit reporting agency to verify this bankruptcy and to give me the name of the representative at the court. This bankruptcy should've BEEN OFF my report. Experian is the only one showing this information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Alorica Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXXXXXX XXXX hard inquiries showing on XX/XX/XXXX & XX/XX/XXXX that were not authorized

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BSI Financial Holdings, Inc.
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX we got help from XXXX XXXX XXXX they sent our mortgage company {$35000.00} and a XXXX loan to catch up our arrearage and the rest was applied to the principal which brought our payoff to XXXX. Then our mortgage got sold to a different debit collector. We sold this place in XXXX XXXX XXXX and for some reason our payoff after 7 years of payments it was still at XXXX where did our payments of 7years go to. This loan switched hands at least 6 times before we sold it. I feel that the payoff on XXXX XXXX was wrong. We had also with the XXXX had a deferred amount that was to be paid at payoff was added to our balance a least 3 times the amount was {$8200.00}. I am hoping that you can look into this matter so no one else feels used like we do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
A late 30-day payment mark on my credit report for XX/XX/2019 should not have happened. We contacted Loancare on XX/XX/XXXX, via recorded phone call, to make a payment arrangemet in advance of the 30-day late date. We were told on that phone call by a representative that we would be able to take our XX/XX/XXXX payment and spread it out over six months so that we would not incurr a late payment charge. It was also explained that we could move our next payment date to XX/XX/XXXX. We were assured on this recorded phone call multiple times that this would bring us current and we would not incur any penalties or negative marks on our credit report.

On XX/XX/XXXX, after this phone call, Loancare issued a letter stating we would still owe a full payment by XX/XX/XXXX. This letter was sent via postal mail only and was not covered on our recorded phone call. This letter did not ever reach our home, nor would it have prior to the XX/XX/XXXX date - just 3 days after our phone call. Because of this we recieved a 30-day late payment mark on our credit reports that was due to decieptful and inaccurate information practices by Loancare.

Prior to this we had no late payments for the life of the loan with the company, nor any late payments on our credit report for over a decade. We attempted, in advance of a penalty, to resolve this with Loancare and assumed we had based on the recorded phone call. After multiple attempts to resolve this with Loancare, they refuse to discuss the matter, will not provide a copy or transcript of the recorded phone call, and refuse to correct/remove the 30-day late mark on our 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 explanation
Consumer complaint received 2017-07-11
Company: AmeriCollect
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I started contacting the company asking for validation of this debt letter dated XX/XX/2017 the collection company wrote back say that the debts are being validated XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I sent a letter back to them asking for an update on my validated debts because it had been past 30 days and i have n't received an update. On XX/XX/XXXX they sent a letter deeming my request for validation as irrelevant and frivolous. They had already started the investigation gave me no information to prove this debt was valid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are XXXX accounts on my credit report that do not belong to me I have been disputing these since XX/XX/2020 but I have heard nothing back I have opened an FTC and filled and have a notarized Affidavit for Identity theft and still nothing is being done I have gotten no emails back or dispute results this is my last resort before I open a police report. 
Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : 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 explanation
Consumer complaint received 2017-07-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A Judgement on my Experian credit report Which is  PAID, h as not been removed.

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 2022-02-17
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've had Navient as my Student Loan Provider for almost a decade now. I've done a good job of making payments up until recently. I've been out of work and despite explaining this to Navient that continue to call and harass my phone and the home phone line. I'm getting over a dozen calls a day. Every time I speak to Navient they tell me they will note my account but I'm IMMEDIATELY called on my home phone after we get off the call. Despite speaking with them they continue to call every single day. It has become a drain on my mental health and is affecting the relationship with my parents because of the harassing phone calls. 

These calls are also being sent with some form of Auto-Dialer. You can tell because there is a pause on the line before someone starts speaking. They wait for you to answer before a live person is put on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have contacted Transunion about this several times to no avail. I have a public record reflecting on my report ( XXXX ) that was removed and then placed back on my report. I did not receive any kind of notification that it would be placed back on my report. Furthermore, it is inaccurate. This tax lien is not mine. I have contacted both XXXX XXXX and the XXXX County Court House and they confirmed that they have no records of Transunion contacting them to verify this information. I also have XXXX hard inquiries reporting ( XXXX XXXX and XXXX ) that are for the dates of XXXX XXXX, 2015. I did not approve these credit inquiries. While car shopping, even though I already had secured a loan, the dealership ran my credit without my approval.

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 2022-02-17
Company: Experian Information Solutions Inc.
State: IL
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:
Every single call to Experian is either ignored or placed in an endless automated phone loop. I went over my Experian credit report and they are not only displaying inaccurate information for themselves but have inaccurate credit information from the other two agencies ( i.e. false credit scores ). 

I have called them the day before yesterday and now again today ( This, XX/XX/2022 ) Is this normal for them? If they do the least why are they allowed to make important decisions that affect our lives?

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 2022-02-17
Company: CONTRACT CALLERS INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Account Name : CONTRACT CALLERS INC Original creditor : XXXX XXXX XXXX {$820.00} I was going through Chapter XXXX bankruptcy. This has been resolved through Chapter XXXX bankruptcy. Contract callers have incorrect dates for the account. I have reached out and disrupted this account with all the credit bureaus. 

I have attached supporting documents for your review. Please let me know if you need any additional information on my end. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: VA
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:
Account Name : XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account Number : XXXX This has been resolved through XXXX  XXXX bankruptcy. 
XXXX XXXX XXXX is reporting the incorrect dates.

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 2017-07-11
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I applied for a mortgage at the beginning of this year with  XXXX   XXXX . I had an issue with my credit report that I was unaware of. I apparently had  XXXX  outstanding  XXXX  accounts amounting to {$740.00} that I do not owe. I 've never had a landline or cell phone with  XXXX .   XXXX  On my credit report, it states  XXXX  account was opened on   XX/XX/XXXX   for a  XXXX   XXXX  for {$590.00}. Then,  XXXX  {$150.00} opened o n  XX/XX/XXXX .    XXXX  When I called  XXXX , they gave me an account number associated with the account :  XXXX . But they told me they could not help me resolve this issue since the account had been sold to a third party collection agency.    XXXX   I started seeing a financial  counselor  to help me with this issue.

Company response to consumer: Closed with explanation