BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-04
Company: PLATINUM HOME MORTGAGE CORPORATION
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
1. Loan is still not closed after 7 months. 
2. Operations Manager made several attempts to make our insurance company insure for the full amount of the loan and not just the dwelling as allowed by law. 
3. Calls and emails being sent to us after XXXX requesting that we need to sign the paperwork immediately. 
4. XXXX closing dates have been set up and we are still not closed. 
5.Repeated attempts to get us to sign documents indicating a 10 % interest rate instead of 4.5 %. 
6. Verbal statements as follows : " Just sign the paperwork. I swear XXXX that we will change it back to 4.5 %. 
7. Numerous delays due to their own negligence and errors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: Southern Management Systems Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a XXXX XXXX account ( XXXX ) on my credit report that should not be reporting on my credit. This account is very old and I have not lived at those apartments for over 10 years. The collection agency who bought this debt, Southern Management, is also trying to charge me an amount that has been grossly inflated to what the original amount was. They are trying to say I owe them {$4900.00}! I have disputed this numerous times and I have not been provided with evidence nor a detailed explanation showing how XXXX calculated what they say I owe. According to the Fair Debt Collection Practices Act, Section 808 : " A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law is a violation of this section. '' Any collection fees or interest that have been added by XXXX is unlawful and they should not be reporting this account to my credit this way.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I  am requesting the removal of one Bankruptcy ( below ) on my  XXXX , TransUnion and   XXXX    credit report ( s ) d ue to Civil Case No.  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX   v.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  did not know the source of their information on the Bankruptcy and due to this, the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ). Please remove the judgment and lien as soon as possible.     Bankruptc y Ref.  #  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 2017-06-12
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
I recently filed a complaint with the CFPB regarding a dispute of a charge w  ith Barclaycard. The amount has always been in dispute. As a result of that complaint, the President 's office of Barclaycard agreed to remove all late charges and interest from my account and I am now in a billing cycle in which I can pay the charge with no fees.
Nevertheless, Barclaycard reported my account past due with late payments assessed to all   XXXX   major credit reporting bureaus. I have disputed this reporting with all  XXXX  credit reporting bureaus and   XXXX   has responded with an unsatisfactory result.

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 2022-06-03
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
According to the Fair Reporting and XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602a States I have the right to privacy 15 USC 1681 Section 604a section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reason, unless the creditor has adopted reasonable procedures disgned to ensure that each periodic statement including the information required by section 1637 b of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have submitted XXXX complaints to the FTC regarding Hyundai motor Finance calling my job, after being told I can not receive personal calls. Now, I am going through repossession, and they have given my work number to XXXX XXXX XXXX, after they stated in writing that they were deleting my work number from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made a mobile check deposit on an account and from my account statement it was credited with a confirmation stating it was posted XXXX/XXXX/15. However, the bank took it back ( debit ) the account on XXXX/XXXX/15 citing that the check was deposited twice. Called customer service and told them that is an error since my statement only shows it was deposited once, Later was told to go to branch. Went to branch and was told that case will be opened and would investigate. Waited for almost a week to be contacted by the perdon handling the case despite me calling everyday trying to follow up. The case yielded nothing -bank stating again that " they ca n't do anything because it was deposited twice ''. When I asked if that was it they said " yes, because the case is now closed '' and the best resoulution is just ask for another check. .I told them that customers should never feel like they are being ignored by bank. Was so upset, so I called executive customer service by bank XX/XX/XXXX.-reported the issue and they assured me that this would be handled and investigated. received call from them XXXX/XXXX/15 after I called again to follow up. I was told that their record shows it was deposited twice and I would either need to get an affidavit from the bank that issued the check or have the issuer issue another check. I told him that why is the bank making me feel that it was my mistake when clearly if they look at the statement it was only CREDITED ONCE and NOT TWICE. He said he tried reaching out to the bank and was waiting for a call back. I told him that I would ask the issuer for assistance, he gave me his direct contact number. Last XXXX, I heard from the issuer of the check and per their bank the check was already processed by Chase and therefore they can not reissue another check. Tried calling the case manager XXXX Thursday, XXXX Friday and called executive customer service XXXX to ask case manager to call me back. Stiil no return call. No customer should ever feel this way from their bank. Poor customer service skills by not calling back promptly. Even the other bank said that Chase made the error but their is no action from Chase to assist me in getting this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act my rights have been violated by -XXXX  # XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that 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 2022-06-03
Company: Experian Information Solutions Inc.
State: ND
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 u.s.c. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions.

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 2016-04-17
Company: MARINER FINANCE, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I paid my loan on XXXX XXXX and it 's still showing up negative when I actually paid up until 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
Consumer complaint received 2016-03-16
Company: The J. G. Wentworth Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently received a letter regarding my mortgage loan, and have contacted XXXX regarding what I believe is erroneous information that had begun approximately XXXX XXXX. The loan itself was under XXXX XXXX XXXX at the time, and their servicing company XXXX XXXX XXXX up several loans escrow accounts, causing over payments, and then sometime during XXXX bought out by JG Wentworth. In the transition, my on line account was blocked, and I was told to make payment over the phone, and in the transition requested several times for a complete reconciliation and accounting so I could see/determine the correct payment. 

I made four large payments to bring the account back up to current, a result of the transition of XXXX XXXX XXXX servicing companies and XXXX along with a XXXX XXXX XXXX from JG Wentworth and a former employee of XXXX assured me not to worry and that he 'd take care of " all the stuff in the background '', and get my loan corrected and back on line. To date this has not been done, and I 've called several times requesting not only information, but an audit accounting of the loan for the past two plus years. 

Recently I contacted a XXXX XXXX XXXX from XXXX and requested the same information, and she indicated she would try to help. That was three weeks ago, and still no resolution. 

I am submitting this complaint regarding my issues with both XXXX XXXX and JG Wentworth, and ask you to have the loan investigated for possible mortgage fraud by the loan servicing companies, XXXX XXXX XXXX, as they have failed to provide me with a full accounting of the past three years from when the loan servicing company made errors to accounts ( including mine ), payment application, and resolution of the account. 

Please feel free to contact me regarding any information, or if you would have another way that I could submit a complaint through the Department of Veterans Affairs, I 'd be more than happy to do this too. 

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 2022-06-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In was looking over my report, you guys marked me as late on beginning XX/XX/2021 In which I requested a investigation on what was stated to me. Later that year I tried to have the later remove with a good faith letter that was denied. According to the law you are not suppose to do this and I would never be in this settlement agreement now on a Charge-off account. 

In accordance with the Fair Credit Reporting Act Convergent account with Capital One has violated my rights. 

15USC 1681 section 602 states I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

15USC 1666 B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

15 USC 1681 ( 2 ) ( a ) ( i ) states transactions and experience between the consumer and the person making the report are not included in consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received a letter on XX/XX/2020, from Barclay Credit Card tell me that I needed to use my credit card or else they were going to close my account. The problem is that my card expired and they never sent me a new one. Now I have to order a new card, purchase a coffee with it and then pay it off immediately so that my credit score will not be adversely affected from having this credit card account closed. 

This company is bullying people into using credit cards when they don't need to. This makes no sense. It can't possibly hurt them to have my account open, even if I only use it occasionally. This type of activity from credit card companies should not be allowed or tolerated.

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 2022-11-06
Company: Experian Information Solutions Inc.
State: AZ
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately 1..This account is not mine, I am a victim of identity theft. Please remove it form my credit report XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

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 2020-12-31
Company: Nelson Cruz & Associates LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert on my FICO app that a collection account was now reporting on my credit on XX/XX/20. The collection account is for Nelson Cruz and Associates in the amount of {$700.00}. According to my credit report, they first reported this account to the credit bureaus on XX/XX/20. I have received no correspondence regarding a debt owed and have no knowledge of this account. I attempted to inquire about the debt through the collectors website requesting to know when any correspondence may have been sent or any attempt to notify me of their attempt to collect a debt occurred. It is now XX/XX/20 and I have received no response. This account should be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Associates, on behalf of XXXX, XXXX XXXX has been constantly calling me and annoying me. I have explained to them that I had credit card fraud going on when I made a few purchases at XXXX XXXX, and that I returned the items back to XXXX XXXX. I have even told them I have a copy of the police report I made when I had this credit card fraud going on. They still hound me and insist that i owe close to XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the Fair Credit Reporting Act, the companies below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX has violated my rights : XXXX XXXX XXXX ( XXXX ) have violated my rights by reporting inaccurate and inconsistent information that I have not authorized by verbal or written consent. 

15 U.S.C. 1681 section 602a - states I have a right to privacy.

15 USC section 604 -states a consumer reporting agency can not furnish an account without my permission.

15 USC 1681c ( a ) ( 5 ) - states no consumer reporting agency may make any report containing any of the following information ; any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15USC 1681 S-2 ( A ) ( 1 ) states a person may not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Resurgent Capital Services L.P.
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 

LVNV FUNDING LLC XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a car from Hyundai Finance. When it was near lease end I inquired about purchasing the car ( XX/XX/XXXX ). I asked ( over the phone ) Hyundai to mail me a buy out package, they indicated that it would take a week to get the information in the mail. I contacted my bank later and got their fax number ( I do not have a fax ) and called Hyundai again and had them fax the information to the bank. The bank received the information and sent the payment asked for in the information to the address that Hyundai provided. Hyundai in turn cashed the check and called me back saying they wanted more money. By NC law I was the owner of that vehicle because they made an offer and accepted the payment. However I can not afford to sue. After some time with phone calls to Hyundai. I finally got them to return the money, during this time I had already had to make a payment to the bank. On XXXX XXXX the bank received the money from Hyundai my loan ( minus the interest I owed the bank ). They immediately started harassing phone calls because now I was " behind '' in payments. On XXXX XXXX the bank finally cleared the Hyundai payment. I then sent in a check for XXXX which Hyundai credited XXXX XXXX. On XXXX XXXX I traded the car at a local XXXX dealership. the dealership was then responsible for the car. It was not until XXXX XXXX I received a letter from XXXX saying the car was paid off. I have subsequently checked my credit report and Hyundai reported me for Late payments in XX/XX/XXXX, and XX/XX/XXXX while all of this was going on. They refuse to remove that information as I have filed disputes with all XXXX credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan
Issue: Can't contact lender

Complaint:
On several occasions I have submitted certified letters to company Mariner Finance regarding incorrect information on my credit file. I called and spoke with a representative in XXXX and ask that they provide me with proof that this debt in question belongs to me. Representative stated original company went out of business and filed were lost in the process of being reassigned. I followed up by contacting the corporate office regarding this error and The company has failed to respond and provide proof ( signed contracts ) of said debt. This is incorrect info does NOT belong to me and is ruining my life!

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 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act my rights have been violated by -DEPTOFED/XXXX XXXX  XXXX 15USC 1681 SECTION 602A states I have a right to privacy ....

15USC 1681 SECTION 604A SECTION 2 states a consumer reporting agency can not furnish an account without my written instruction These two violations are more then enough needed to remove that 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 non-monetary relief