BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-24
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX  and Experian have been told SEVERAL TIMES AND GIVEN THE COURT DOCUMENT of the approved dismissal of loans. XXXX sold the loans after the court dismissed the loans because they failed to answer the court document given by the judge. Experian knows this and will not correct the issues at hand even after receiving the court document more than once. Experian has not provided proof to me that the information from XXXX and XXXX is correct, never received any documentation from XXXX of XXXX  of there documentation BUT I DID PROVIDE TO EXPERIAN THAT XXXX AND XXXX IS INCORRECT! Can not get anyone on the phone at Experian to talk to and nothing has been fixed for over a year now. XXXX is showing on my Experian credit report 4 loans, I only had two and once again Experian for over a year has not corrected the issue at hand and I can not even get to the correct department as their phone computer does not have that option. XXXX knows those loans were closed out because XXXX failed to answer the court document, has agreed to this but still reports incorrectly. Experian needs to correct my credit report, thats all I am asking and it needs to stay corrected!

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 2015-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX collection agency reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: ID Analytics, Inc.
State: MI
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:
Applied for a car loan at auto dealership. Approved on the spot by XXXX. Credit score of XXXX or higher with all 3 major credit reporting agencies. A month later received letter from XXXX XXXX  of denial. Reason, credit score of XXXX from Sagestream. Every review I've seen says they are reporting people 's scores up to 300 points lower than all of the 3 major  companies. I want to know who are they and why would anyone use them. This happened last month, XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: HYUNDAI CAPITAL AMERICA
State: CA
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:
In XXXX of XXXX, I completed the final payment of my loan on a XXXX XXXX XXXX through Hyundai Motor Finance. 

Hyundai Motor Finance has confirmed this loan payoff status. 

I expected to receive the title in the mail within a month of paying off the car, as outlined by HMF. When I received no such mail, I called HMF. They indicated the title was still processing but should be sent out shortly. 

In XXXX of XXXX, I called again. They told me that the title should be on its way. 

In XXXX of XXXX, I called again. I was told the title was sent to a DMV rather than to me, and had since been returned to HMF. No explanation was offered as to why this was. They told me they would begin the process of creating a duplicate title to send out to me. 

I called several more times, with no progress updates offered until XX/XX/XXXX, when I was told the it might take another month for the duplicate title to be created. They could offer no explanation as to why this process would take this much time. 

I called again in XX/XX/XXXX, they told me the process was complete, and the title should be mailed out to me shortly. 

I called again in XX/XX/XXXX, they repeated the same thing. The process was complete and the title should be mailed out to be shortly. 

I called again in XX/XX/XXXX, and they repeated the same thing. I indicated that this was completely unacceptable and that I needed some assurance that this would actually be mailed out. They indicated that they were adding an escalation tag to the title release, and that I should expect to receive the title in the mail within 5 business days. 

We are now on XX/XX/XXXX. I just finished calling them again, and was once again told that the process was complete, and they would be mailing it out shortly. Once again no explanation could be given for the delay. Once again they said they would mark an escalation on the account. At this point, I do not believe them. 

We are approaching one year since I payed off the loan, representing 6 years of on-time payments. I have received numerous communications from HMF in the mail during the lifespan of the loan, so I am under no illusions that they have difficulty delivering mail to my address. 
Given the decreasing value of the asset, HMF 's refusal to deliver the title within anything resembling a reasonable timeline has cost me real money, leaving aside the mental tole of needing to call them so many times only to get the same repeating non-answers.

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 2017-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have taken a loan from bank of America for {$100000.00} and it started on XX/XX/2016. I get a statement from XXXX the first XXXX for this account from XX/XX/XXXX to XX/XX/XXXX when this account was never open on XX/XX/XXXX. Then they say that I owe them {$250.00}, I have never received a statement for that amount and now they will debit my account for this $ XXXX This is daylight robbery. No one will answer my question.

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 2022-04-08
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help

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 2017-01-14
Company: DISCOVER BANK
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Hello, In XX/XX/XXXX someone applied, opened, or attempted to open a loan with your company. As a result your company placed a credit inquiry on my reports even though I was not the person who applied, opened, or attempted to open service. 
As stated in the complaints. I have fraud alerts and freezes on my credit because I was a victim of identity theft in XX/XX/XXXX. As a result my credit report as alerts on them until XX/XX/XXXX. Im not sure how someone got a hold of my information and attempted to apply for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card
Issue: Other fee

Complaint:
Hello, I am a Bank of America credit card holder. I noticed there was a foreign transaction fee any time a charge was processed in XXXX $ but outside of the XXXX. For instance, I had to cancel my XXXX subscription as this company has its headquarter in XXXX and process charges from there. I was charged a certain amount for every transaction from XXXX. 

What I find unfair is that there is no way for the consumer to know where a company 's headquarter is located. I would understand the legitimacy of such a charge if the transaction were to be done in a foreign currency but not in XXXX!!! I used to live in XXXX and would not get charged a conversion fee anytime a foreign vendor would process the transaction in XXXX XXXX 

I 've contacted Bank of America and was told there was no way for me to know where the transaction would be processed from.

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 2015-09-30
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CCS has been calling my phone number since XX/XX/XXXX asking for a person who relinquished the line before I purchased it. XX/XX/XXXX, I informed the person calling to cease all contact and that any further attempts to call would be referred to the Federal Communications Commission and the Maryland State Attorney General 's office. Today, XX/XX/XXXX ; I was contacted again by the same debt collection company. These calls are highly irritating and completely in error and I have no relationship with the person they are attempting to reach other than having her former phone number.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Credit Karma, LLC
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I recently read about the FTC lawsuit against Credit Karma for the misleading of credit approval odds and pre-approvals. I was also a victim of Credit Karma misleading me and informing me of outstanding approval rate with over 90 % approval odds and a {$250.00} sign up bonus. I decided to select this offer on the Credit Karma app for the XXXX XXXX XXXX. I was almost instantly denied despite Credit Karmas misleading approval rate. I have also noticed Credit Karma shows poor approval rates for the XXXX XXXX XXXX XXXX, which ironically, I already possess. Their process for determining approval rates is misleading and false advertisement. I am glad action is being taken against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: National Credit Systems,Inc.
State: GA
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:
National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted Transunion a few times asking for verification. They must get an automated response because I have not received verification of my signature. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Transunion is required by federal law to verify through the physical verification of the original signed consumer contract. I have requested this a few times that now when I make a dispute online with Transunion it will not let me saying, " I have already disputed. '' There are 3 accounts all the same company this negative reporting info is hurting my credit. 1. XXXX/XXXX  XXXX XXXX  2. XXXX XXXX 3. XXXX XXXX Please help resolve this issue.

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 2020-10-20
Company: Stern Recovery Services, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Looking over my credit report and noticed there were accounts that do not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following accounts are listed below : -STERN RECOVERY SERVICES # 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 2022-04-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I am filling this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify and/or validate the accounts I disputed. Being that they have gone past the 30-day mark and can not verify and/or validate these accounts, under Section 611 ( 5 ) ( A ) of the FCRA- they are required to " .... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-09-01
Company: EQUIFAX, 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 am submitting this CFPB Complaint today to follow up the previous CFPB Complaint I submitted last XX/XX/2022 because I bleive that the Credit Bureaus haven't still corrected my Credit File. The Credit Bureaus have failed to provide me copies of documents to serve as pproof of verification to suppport their claims that the disputed accounts are verified and reporting only accurate information on my Credit Report. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance XXXX {$12000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$920.00} XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$4400.00} XXXX XXXX XXXX  XXXX Balance : {$5700.00} XXXX XXXX  XXXX XXXX XXXX : {$2700.00} XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX XXXX  XXXX Balance : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01
Company: Midwest Acceptance Corp.
State: MO
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: Received unwanted marketing or advertising

Complaint:
I have a past due charge off with Midwest Acceptance that is listed on my credit report as 'closed with balance '. My attorney and I agreed on a repayment plan on XXXX XXXX, XXXX that I would pay back loan as long as it would not negatively impact my credit. This account was placed on my report and in fact did negatively impact my credit. Also, Midwest Acceptance is continuing to negatively impact my credit score and report by creating inquiries on my report. This last inquiry was made on XXXX/XXXX/XXXX even though the account has been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
My husband and I were approved for a loan modification from Bank of America in XXXX 2015. We made the four scheduled payments on time and were to receive XXXX copies of the agreement to sign 10 days after the fourth payment. We have made 6 payments and still have not received the paperwork to sign and our credit was ruined during this process. We receive a delinquency notice on XXXX XXXX saying we owe XXXX. We have not missed any payments and we continue to get lied to by the relationship manager. All she will say is that we are working on it. They are causing us undue XXXX and my husband is XXXX. We just want answers as to why this process is taking so long and all we are told is that we made the payments too early which is not true. The payments are due on the XXXX of the month and my husband pays it after the third week for the following month when he gets his XXXX check. We have not been delinquent and we want this resolved so we can repair our credit that Bank of America has ruined for us.

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 2022-04-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX Equafax XXXX These companies are using fraudulent, deceitful, and Malicious practices to create Bias Consumer Reports. They also are using third parties to conduct investigations without consent. They are in violation of several consumer rights as referenced below : 15 U.S. Code 1681 15U.S. Code 6802 15 U.S. Code 1692

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
HSBC BANK HAS UNEXPECTEDLY CLOSED XXXX XXXX 'S PREMIER CHECKING ACCOUNT DURING A NATIONAL EMERGENCY AND IS CURRENTLY WITHHOLDING HER NEEDED FUNDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is the story of JP Morgan Chase and the multi-year long saga of the never ending document demand and " we 're reviewing your loan modification request '' lie. This is how the original borrowers from Washington Mutual were treated when Chase bought their loan portfolio several years ago. Incessant letters, lost documents, multiple account rep changes, misleading characterizations of what underwriters were doing, lies that your loan was suspended from foreclosure when the XXXX was actually proceeding to foreclose. It was the most horrible experience I would never wish upon anyone in this country. Not months of waiting for an answer about a loan modification-years- and it never happened. My logical request to make some good faith payments while awaiting a decision- denied. Loan counselors so inept as to basic mortgage practice- widespread. Wasted hours copying and sending the same information over and over to a black hole- I wish I could have those hours back in my life. Again, all for nothing. Chase- I do n't care about how busy you are, how many problems you have and all the lame excuses for not dealing with your customers in a fair and expeditious way. You wanted to become this behemoth enterprise so you deal with it. I 'm done with you after paying this loan off and you will never see another dime of my money come your way.

Company response to consumer: Closed with explanation