BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-29
Company: Associated Credit Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Associated Credit Services Inc about a bill that I have never received from XXXX XXXX XXXX XXXX. There is not date of when this had happened on the letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: Experian Information Solutions Inc.
State: MI
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:
We started using XXXX XXXX XXXX in XX/XX/XXXX. This Account was on both my husbands and my credit reports. It has been taken off my husbands credit report but is still on my credit report. As of today XX/XX/XXXX it's still on my credit report. When XXXX XXXX sent them letters they responded Dispute Resolved / Consumer Disagrees. The company we are disputing is XXXX XXXX XXXX XXXX  XXXX, the Account is up to date. We have been making the required payment of {$25.00} a month per their request and have not missed a payment. So why is this still on my credit report and has been taken off my husbands credit report? My name is XXXX XXXX XXXX XXXX and my husbands name is 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 2020-11-22
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Loss of full time employment due to COVID19 from XX/XX/2020 - XX/XX/2020. 
Contacted customer service on 4 occassions to agree on a settlement to satisy and close account. Documents were to be sent to me to be signed. Never received and account was sold with negative points applied to credit report. 
All payments for all accounts were on time or early over 3 year timeframe prior to pandemic.

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 2018-11-29
Company: Experian Information Solutions Inc.
State: ID
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 have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-05-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I called XX/XX/2018 and the lady at Equifax told me that she had to reinvestigate for the 4th time ... In the meantime I have to wait to buy my husband a truck. Not only is my XXXX XXXX XXXX XXXX reporting wrong at 207 % over the limit, they are now saying that I have 3 accounts which is untrue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First, I did not give Experian permission to do credit reporting on me and demand all negative information to be removed. Second, I have sent in multiple disputes demanding proof from Experian from these debt collectors and nothing has been sent, yet, they claim it accurate and verified. These collection agencies such as XXXX XXXX XXXX pops up THIS YEAR on my credit report showing opened XX/XX/XXXX with no communication. But was only added on XX/XX/XXXX of XXXX! See documents attached. What a coincidence, to claim show up on How can you validate MY debt for me without me sending the documentation Ive requested. These debt collectors do not contact me prior to reporting invalidated and inaccurate information as Ive stated in my disputes! Experian updates my disputes online stating that it remains, WITHOUT them sending me any of my requested documents showing that I owe this debt. Ive asked over and over for verification and documentation that there is a valid basis for claiming that I am required to pay the debt to these current creditors. For example, Ive asked Experian to provide a copy of the written agreement that created my original requirement to pay. A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when it was obtained, and when that was. If there has been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. Nothing and I mean nothing has been furnished to me after multiple attempts to receive. These debt collectors do not communicate to me prior to reporting as Ive stated but you constantly ignore. This has caused me more problems financially! I need these debt collector accounts removed IMMEDIATELY. My rights as a consumer have been taken advantage of, I know that Experian is obligated to send me proof as I have requested several times as well as I did not give Experian permission to report any of my credit accounts or history. These invalidated debts are to be removed NOW for violating my rights.

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 2021-11-04
Company: Novad Management Consulting LLC
State: AZ
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
We sold our home that had been financed by a reverse mortgage with HUD and managed by NOVAD Management Consulting LLC. On XX/XX/2021, the Title/Escrow Company ( XXXX ) first contacted XXXX to request a pay-off of the loan with an effective date of XX/XX/2021 ( per XXXX 's requirements ) XXXX XXXX was also provided with my written authorization ( as borrower ) to communicate with XXXX. Multiple written, emailed and telephone requests were made by both XXXX and me. 

The home sold effective XX/XX/2021, but escrow was unable to pay off the mortgage because they had not received a pay-off amount. 

A pay-off amount was FINALLY received by the complainant this morning by email. 
The pay-off amount is calculated to XX/XX/2021, in the sum of {$590000.00} plus a per diem to XX/XX/2021, of {$300.00}, for a total pay off on or before XX/XX/2021, of {$590000.00} Had NOVAD not neglected to provide a pay-off figure in a timely fashion, the pay-off would be slightly less than {$580000.00} -- fully {$3300.00} HIGHER than what we should owe. 

We need help because if we do not have escrow pay off the loan by XX/XX/XXXX, they will continue to charge us more.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/2018 I made a purchase for {$75.00}. On XX/XX/2018 I made a purchase of {$160.00} " No Interest if paid in full in 6 months ''. My account had been setup with autopay for the minimum balance. I did not realize the minimum balance would not cover my purchase for {$75.00}. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I contacted XXXX customer service who refused to wave the {$2.00} interest as a courtesy.

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 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
This is the 4th attempt I am making to recover my wire transfer that was done on XX/XX/XXXX, for {$37000.00} to XXXX XXXX to Capital One Bank, Members Account number : XXXX from my bank XXXX XXXX XXXX XXXX. Capital One bank did not deposit the money into XXXX account. I was told that the customer does not exist no more. I now believe Capital One does not want to return my money. 
Please refer to complaint : 1. XXXX 2. XXXX 3. XXXX My bank XXXX tried to reach the XXXX  on this letter and so do I. No one picks up the phone. XXXX XXXX the data to CFPB tracking Number XXXX that you have received it on XXXX XX/XX/XXXX. 

In the 3rd reply from Capital One bank, they have asked the XXXX letter in a certain format that XXXX has provided it two different times. I am requesting Capital One should give me one person that I can deal with the issues to come to a solution. 

I also need a functioning number that my bank and I can talk to. 
Please see all attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Commonwealth Financial Systems, Inc.
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or about XX/XX/2018 Commonwealth Financial reported a new collection account on my XXXX and XXXX credit reports. Said accounts are posted as new and less than 30 days late payment. I am not responsible for this debt and have no knowledge of how this debt is associated with me. I have not incurred ANY type of medical debt that would be legally reportable or collectable. This account they have listed as account number XXXX is a violation of the FCRA and the FDCPA. I have never dealt with Commonwealth Financial and have no legal binding contract or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
As an offer for the Equifax data breach, I entered into an agreement where Equifax would sign me up for their credit monitoring services free of charge. From the very beginning, I had many problems with the service and wasn't able to access the services that were promised. I called in and after sitting on hold for hours, I was able to get a ticket filed with their IT and it was supposed to be resolved 5 days later. After a few weeks passed, I still wasn't able to log in to view my protection services product, so I called again. This time I was told that I needed to wait 10 days and that it would be fixed. About 12-14 days later it started to work again, but that was short lived. Very quickly after that problem was resolved, it appeared once again. Again, I spent hours on the phone with customer service and they were supposed to escalate the ticket and a manager was supposed to call me back. Neither has happened to date and I still haven't been able to log in to see my credit protection product. Equifax allowed my personal data to be breached, entered into a settlement agreement with me for me to review my reports for year and that product has failed more than it has worked and I am unable to obtain resolution. I would like a settlement for my data being exposed and for Equifax breaching their contract with the settlement that they offered, which was to grant access to this credit bureau service that hasn't worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX  AND TRANSUNION ARE posting unauthorized inquires to my credit report : XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XXXX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX/XX/XX/XXXX/ XX/XX/XXXX/ XXXX/XXXX  XX/XX/XXXX/ XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THE FOLLOWING ADDRESS IS NOT MINE I NEVER LIVED HERE : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX THE FOLLOWING ACCOUNTS ARE NOT MINE : XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX   ACCOUNT # 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 explanation
Consumer complaint received 2020-08-19
Company: COMMERCE BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I contacted Commerce Bank multiple times in the months of XXXX and XXXX to speak with a representative regarding my Covid-19 pandemic related financial hardship. I was only ever able to get in contact with a collections agent, and that individual refused to let me speak with anyone else. I was told multiple times that a manager or  supervisor would return my call, buy nobody ever has. The collections agent, who was not a manager or supervisor, was not willing or able to help me with my account. 

I was attempting to request additional financial relief, as Commerce Bank had previously extended me a period of payment deferral in regards to the Covid-19 financial hardship. I have also been experiencing hardship as a result of living in a FEMA Designated Disaster Area from a Tornado that occurred at the beginning of the Covid-19 outbreak. I was calling Commerce Bank to request an extension of the deferral, or explore any other options they might have had for a person in my position. Unfortunately, they do not appear to be staffed to handle consumer issues in a manner compliant with federal banking regulations. 

Additionally, the terms of my original payment deferral period was supposed to extend through the month of XXXX, but either this was not honored or I was improperly informed as to the length of the original deferment, as it appears to have ended in XXXX. Consequently, Commerce bank has engaged in negative credit reporting. I have tried to contact them to get this corrected, because it is not fair to hold me accountable to terms that are different than what I originally agreed to when the deferral was offered to me. 

I do not think it is unreasonable for me to be requesting a payment deferral in light of the current economic crisis, and the banking industry is largely in agreement with me, as evidenced by the much more generous terms that have been extended to me on accounts I have with other major financial institutions. 

I also think it is very problematic for a company to not even be willing to discuss the situation with me, this is very unreasonable, and probably illegal in the financial services industry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: GUARANTEED RATE INC.
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Guaranteed Rate originated our home mortgage loan. The loan was held temporarily with their Short Term Loans Department and then transferred over to their Long Term Loans Department. We made our first two mortgage payments by mail and on time with the lender provided payment coupons that we received at closing. The first two payments were received and cashed by the Short Term Loans Department which then should have been applied to their Long Terms Loan Department ( according to Guaranteed Rate ). This is  where payment history confusion ensued. Guaranteed Rate shows us as overdue on one of the first two payments despite both payments being withdrawn from our bank account by them. We have been in contact with Guaranteed Rate to help then resolve their accounting issue for approximately one month. No progress has been made and we have been told a different story every time we've been in contact. Attempts to assist have been met with negativity and poor customer service from staff supervisors. We were also reported as delinquent on a mortgage payment ( one which has cleared our bank account ) to the credit bureaus. Guaranteed Rate presents as a tangled mess to it's customers and has failed to act timely in resolving an issue that they have created and then inaccurately reported their customer ( us ) as delinquent without empathy or concern for the long term impact of delinquent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
There was 3 inquires from Cap One NA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on my credit that I never authorized. I do not know these people and have never been in contact with them. Tried reaching out but got no help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo is charging me for home insurance after I have uploaded and faxed proof and spoke with them on the phone. 
I have been dealing with them for over 3 months and they continue the FRAUDULENT behavior.

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 2020-08-19
Company: SUN WEST MORTGAGE COMPANY, INC.
State: WI
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We have our current home V.A .mortgage through Sun West Mortgage Company . Back on XX/XX/2020 we requested a cash out refinance with SWMC. Our loan officer assured us this process would be seamless as we are existing customers. No credit check for existing customers ( wrong ) minimal cost ( wrong ) Quick process ( wrong ). After dozens of phone calls, emails, document chasing and 5 + months they ( SWMC ) tell us of a problem with a credit repair program we are using. Back in XXXX my wife was temporarily laid off ( due to covid ) so we called this company and asked to defer XXXX 's payment. They understood the circumstance and the payment for XXXX was not made. SWMC claims that the underwriters do not accept the missed payment and on XX/XX/2020 declined the loan. Now I understand the V.A. may have some ridiculous policy that requires no missed payments but we really believe SWMC should have brought this to light back in XXXX. Nothing at all was discussed regarding the missed payment until XX/XX/XXXX. On at least 3 occasions the loan officer told us that we would be closing before the next month, even to the point of signing a final agreement. My wife and I constantly called and emailed the loan officer and usually calls took weeks to return. We feel that we were treaty poorly and unprofessionally though out this entire process. If there was truly a problem with one missed payment they should have told us months ago. We've had to cancel home improvement plans as well as plans to sell our home when the market was in our favor. We could have been spending the last 4 months with another lender if we knew the outcome of this agreement. We most certainly were misled and feel this behavior is unacceptable by any lender. 5 months for a refusal is ridiculous. Thank you for your time on this matter. P.S. The photo attached is a time line with the exception of the termination date of XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: Experian Information Solutions Inc.
State: WA
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 attempted to freeze my credit online at Experian 's official website. I fully completed the form and submitted. I was then presented with the following message : " We were unable to honor your request to place a security freeze on your personal credit report based on the information you entered. '' There was no further explanation. I tried again. No luck. 

I had no issues freezing my credit online with XXXX  and XXXX. I don't know why Experian failed. I tried to call their customer service number, but an automated message told me to mail in my information/documents for a freeze. 

I do not want to go through the physical mail option.

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