BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-27
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid off auto loan in full on XX/XX/2022. Have not received clear title or notice of date expected to receive title. My payoff check had cleared my bank immediately. Calling Hyundai Motor Finance gets me NOWHERE!!!!! No option for speaking to a real live person who can tell me what's going on. No address for contacting via email. Who is monitoring payoffs and clear title requests?????

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 2022-09-27
Company: Rodenburg LLP
State: SD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX XXXX XXXX is sending accounts there were included in bankruptcy to collection agencies to try to collect the debt that was discharged in bankruptcy. Rodenburg Law Firm is trying to collect on their behalf.

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 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I need these people to reverse these charges. I called and explained and they did nothing but a letter saying talk to the merchant as if I made the charges. I can't talk to the merchant I have no idea who they are. I'm sure they are flippently breaking the law so can you force them? My id was used to but probably it was the airbnb who made this happen. 

XX/XX/XXXX - {$1000.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1000.00} XX/XX/XXXX- {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Company Name : Portfolio Recovery Associates , LLC, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Since approximately XXXX, this company has contacted me repeatedly through calls and as of XX/XX/XXXX court summons. Most typically, they have called 3-4 times per week ; often using phone numbers that were not associated with them in any manner so as to avoid identification. 

They bought a credit card debt from a retailer that was closed in XX/XX/XXXX and subsequently charged off my credit record by the retailer in XXXX. 

Since they bought this debt in XXXX, not only have they continued to call several times per week, as of today on XX/XX/XXXX they served me with a summons to appear in court regarding this disputed claim with no notice, written or otherwise they were pursuing legal action. 

They summons was written and filed on XX/XX/XXXX and I did not receive this delivered by a process server until today on XX/XX/XXXX ( over two months from which this was signed ). 

Additionally, as part of this pattern of harassment, they have continued every few months to place on my credit record this and another debt acquired by them as new debt, which continues to unnecessarily tarnish my credit record ; instead of this being posted as old debt ( which it is and which they agree from XXXX ). 

Thank you for your help in this matter! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: TX
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 sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX BANK XXXX Opened XX/XX/XXXX Balance {$680.00} ; OAG CHILD SUPPORT ENFORE XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-CHI XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.

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 2022-09-27
Company: U.S. BANCORP
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
I went to my bank us bank XX/XX/22 asked for cashier 's check told them to whom I needed it for they denied me and said they don't write checks for that business.like it's any of their business.

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 2022-09-27
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had booked XXXX flights for myself and my partner through the Chase Ultimate XXXX XXXX on XXXX XXXX, 2022. The airline, XXXX, changed our route without my approval/consent and so I had reached out to XXXX to cancel my flight. I was told that since it was booked through Chase, I would need to contact Chase to cancel and receive my refund. I have called Chase multiple times, have been on hold for hours, talked to multiple different agents and managers who have not been able to provide a resolution or provided me with the refund of XXXX points and {$460.00} with the total value of {$2400.00}. I had to open a new credit card to be able to rebook this flight because Chase is unable to provide me with the refund. It has been at least 2.5 months of trying to resolve this with Chase who still insists that they are unable to provide me with a resolution. Today, XX/XX/2022 I am being told again, that this will take another 1-2 billing cycles. No one seems to be able to help me get my points and funds back and we are approaching the 3 month mark. Please resolve this issue and relieve me of this extremely stressful and frustrating situation. I don't understand why Chase can't refund me back the points and the funds, which I have already paid for by the way - since I pay my balance in full every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-25
Company: Experian Information Solutions Inc.
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-09-27
Company: CCS Financial Services, 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:
Accounts/ inaccurate information reflecting on my credit file. These accounts do not belong to me and was not authorized neither do I have any knowledge of. I am a victom of identity theft and am requesting that these accounts be removed immediately. CCS COLLECTIONS, XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX. Thank you

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Americas Car-Mart, Inc.
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 information incorrect

Complaint:
I agreed to a payment plan with the company in XX/XX/2020 during covid, l have the agreement and they still reported it as late payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Unable to be reviewed for loss mitigation because the investor refuses to let the main borrower fill out the loss mitigation packet by herself and they require the son who is the co-borrower to fill out paperwork. The problem is that the son does not live in the home anymore and ran off leaving the main borrower unable to get ahold of him. Before dissapearing the son filed bankruptcy, went through with it, and filed a quit claim deed to remove himself from responsibility of the house payments. On XX/XX/22 we faxed a letter of explanation for the situation and the quitclaim deed that the son filed to be put on review. The lender still refuses to allow the main borrower to be put into review even though she has filled out the loss mitigation packet minus the documents that are asked by the son because the son is nowhere to be found. We asked to escalate the case but the lender refuses.

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 2022-09-27
Company: EQUIFAX, INC.
State: CO
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 Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 XXXXXXXX XXXX : XXXX, XXXX Personal loans XXXX The law of privacy 15 U.S.C 1681 602-4 4. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


15 U.S.C 1681 604 Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 





15 U.S.C 1681 623 subsection ( 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 15 U.S.C 1681c. ( a ) ( 5 ) Section states Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
State: TX
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXXXXXX XXXX Other {$560.00} Status Date Reported XX/XX/2022 Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXXXXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 3 Years, 0 Months Credit Limit Not Reported Highest Balance {$560.00} Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX ) XXXX Remarks Placed for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: EQUIFAX, INC.
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 accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name : XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX XXXX Account Name : XXXX XXXX Bank # XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX 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. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the reporting by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
i was looking for a flight and the person who was looking to help me with that asked me for all my information including my credit card info i advised to him i was shopping for prices that if I'm interested i will call him i advised him I was shopping around he said in order for him to give me the arcuate quote he needed all that i advised to him not to use my credit card he advised no worries so i show that i was charged {$1000.00}. And i called him he advised he did it in error that with in 30 days i would get refunded i continue calling him and he doesn't reply so i called capital one once and advised them of that and they refunded me that but then they charged me that again so i called they sent me a link to send proof of the conversation with that person whom i sent emails claiming my refund of XXXX he replied it will be processed within 30 i will see it in my account so capital one says the need a recipt as proof if i never perches it and i sent them all emails as proof the say oh it's not enough and it's in XXXX so they can't do nothing so i Letterly don't understand them what else can i provide i have emails. Form that person and still as of yet he doesn't respond

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-27
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage was bought out and began with new lender, Mr. Cooper at the beginning of this year ; XX/XX/XXXX. I had lost my job XX/XX/XXXX and explained this to the new lender predicting I would be late on my payment. The loss mitigation department offered or suggested a " Pandemic Forbearance Plan '' which would pause my payment obligations for three months, stating I could opt out at any time. Following the three months, without request or consent they automatically resumed this plan which I was not needing or requested. I made three payments, one more than minimum due during this time. I spoke with someone back in XX/XX/XXXX asking to stop this plan I was ready and had been to resume payments. This was not acted on, they failed to stop plan which froze my ability to make online payments. Every time I spoke with them each person informed me incorrectly with false information. Most recent, I was told I could " promise to pay '' which would allow to make payments and any extra as was able. I asked for management to review calls from prior months to verify this information. This too was disregarded. Having trouble talking to anyone helpful or knowledgeable, and being unable to make a payment after several attempts I am now being threatened with foreclosure and feel I am being victimized by these predatory lenders. Note that documents sent via mail have different names, numbers and contact addresses making this whole process much more difficult. Here is hoping they are held accountable for the wrong doing, misleading and illegal acts of consumer lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-31
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I found out I was a victim of identity theft on XX/XX/XXXX, and I called Citi to inform them. Once I did that, they allowed someone to add a signer onto my account, they allowed a card to be rushed to an address never on my account, in another state, they have allowed my card to be used and added to an XXXX XXXX after I called over XXXX XXXX with over XXXX XXXX in call time. They will not give me information on my account, they will say they need to send me a letter to verify that I'm me, while they continue to allow my card to be used. I've asked for them close my account, and they won't. They have hung up me and refused to talk to me about my own account, that is attached to my card, I was told I needed to give them the name of the person added to my account, or I could not pass verification, and if I knew them. I believe this is an inside job, every time I changed someone, they changed in minutes to hours later. I'm concerned because they have taken over my account, I don't know where the bills will go, what the new credit card number is because they sent it to XXXX XXXX, not my XXXX Address. I can't have access to my account to file a dispute. I also received two text messages today, from unknown numbers calling me names and asking me to not spend my time, trying to get this fixed.

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 2022-07-31
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In accordance to the fair credit reporting act XXXX has violated my rights based on 15 USA 1681 section 602 states I have the right to privacy 15 usc 1681 section 604 section 2 states a consumer reporting agency can not publish reporting or anything of that nature without my permission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation