BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I ordered a SS card and after 3 weeks I called the social security admin and they said that my card was ordered and mailed. I never received it. Some one is using credit to obtain credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX transferred my mortgage in the middle of a payoff. I have an open complaint against XXXX for them creating a shortage, not posting my payoff, then taking 15 days to get funds to SPS, the new servicer. This complaint is on SPS. 

On XXXX, SPS was to take over servicing of my mortgage. However, on XX/XX/XXXX, it was paid off by XXXX XXXX. I was due an escrow refund of around {$3000.00}. SPS did not board the loan to their system until XXXX and did not process the payoff until sometime in XXXX when XXXX XXXX finally got them straight on what happened. In the meantime, XXXX XXXX issued the refund on the double payment of taxes to XXXX, who instead of sending it to me sent it to SPS. SPS has yet to issue a refund to me despite XXXX XXXX even paying them a {$300.00} 'shortage ' created by XXXX initial fumbling of the payoff. 

It is now XX/XX/XXXX, over two months since payoff and I have still not got my refund. In addition, SPS servicing reported this as a 'new ' account on my credit reports which has caused my insurance score to drop for the recent 'addition ' of a new account. The balance is XXXX  now, but apparently this isn't taken into consideration. 

This whole thing is a giant mess and I'd like help reporting this to all legal entities who should be aware of the shoddy practices these two servicers are engaged in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen in XX/XX/2016 and as a result, there is an address on my credit report that has never belonged to me. I would like to get this address removed from my credit report : XXXX, KS 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 2021-01-03
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In reference to the multiple letters sent, I am disputing the total charges due to the fact that Hyundai Motor Finance is unethically conducting business. I paid {$600.00} to Hyundai Motor Finance. Also, the third-party insurance was sold to me by your authorized XXXX  Dealership and again the money was collected by Hyundai Motor Finance. We paid all monthly lease term payments on time, which is evident that we are orderly and organized when it comes to payments. Once I returned the car, I called Hyundai Motor Finance to receive an inspection kit, in order to file a claim with XXXX XXXX XXXX XXXX. We also forwarded the email to the insurance company on XX/XX/2020. 
Call Log : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXXXXXX XXXX  ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XX/XX/XXXX ( XXXX XXXX ) to XXXX XXXX Hyundai Motor Finance failed to provide the inspection kit multiple times and the reason they failed to send it was because, according to them, there was a delay because of COVID-19. In reference to the call log mentioned above, I essentially chased Hyundai Motor Finance to provide the inspection kit. I also called the insurance company but they told me I can not file a claim unless I have the kit to provide to them. Now I understand why Hyundai Motor Finance is unethically doing business because it seems like they are purposely delaying the information I need to provide the claim. According to the insurance policy, the claim has to be filed within 90 days after the car has been returned. Again, mentioned above, the car was returned on XX/XX/2020, meaning it's been six months since Ive tried to receive an inspection kit from 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 2020-03-12
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
There are two fraudulent accounts from XXXX XXXX XXXX  XXXX # XXXX in the amount of {$1100.00} & {$1100.00} that were disputed and removed from my credit report. They are now back on my credit report after my dispute was resolved and debts were removed. Per the representative at Experian  they stated that XXXX XXXX XXXX XXXX unblocked the debt and Experian has no way of re-blocking the debt back. Which is odd because Experian  have the ability to unblock and block accounts. Per XXXX XXXX they are stating the accounts belong to me due to a fraudulent address and number that was provided to them by Experian  that the account belongs to me. 

The XXXX XXXX accounts are fraudulent. I have NEVER lived at XXXX XXXX XXXX XXXX nor have I had a phone number as XXXX. Under the FAIR DEBT COLLECTION PROTECTION ACT, I have the right to request and receive validation of the debt. Therefore XXXX XXXX needs to please provide me with a copy of all the following : An explanation of what this alleged account balance is for. 
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct. 
Documentation showing I agreed to pay this debt The Agreement that grants you authority to collect on this alleged debt. 
A copy of your state license, including license number. 

If they can not validate these debts ; then these accounts will need to be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21
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 XXXX  ( Account # XXXX ) XXXX XXXX XXXX ) ( Account Status Now Closed- Date XXXX Open- Monthly XXXX 15 U.S.C 1681 section 602A. States I Have Rights to Privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 166b : A Creditor May not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

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 2022-03-21
Company: JPMORGAN CHASE & CO.
State: LA
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:
A Chase Sapphire credit card was mailed to my home address and I destroyed it because I never applied for this. Several days later, a bill from that credit card was sent to my home address. It had a {$95.00} balance for an annual membership fee. I called this credit card company to inquire and they informed my that an application with a former name I had was applied for, using my current address and that this was applied for on XX/XX/2022. Again, I had not applied for this and informed this company of such. They told me they would close the account and send me a letter verifying this as well as reporting this to the credit reporting agencies. I received that letter on XX/XX/2022. I also applied for a fraud alert with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have a {$220.00} charge on my XXXX XXXX Credit Card. When I called XXXX 's they said it was part of some promotional thing and the promotion has ended. I asked what promotion? They said some credit protection. I said I did not sign up for protection. They ( XXXX XXXX ) said to call that number for Credit pro. I called them and they said I signed up in XXXX XXXX. I did not sign up. They said they will stop the Credit protection and reverse only {$6.00}. 

Here is what probably took place. I have had XXXX 's card since before XXXX XXXX. When I was in XXXX from XXXX XXXX to XXXX XXXX the account was closed by XXXX XXXX. I believe I tried to buy something at a store and they said I could n't because the account was closed. So I got on the phone with someone and the reopened the account. I never signed up for any Credit Card Protection. If they did ask me on the phone for it then I would have not signed up for it. This is a deceptive technique and I am not the only victim. I want that {$220.00} back off XXXX 's card.

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 2021-01-03
Company: ID Analytics, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some fraudulent inquiries on my credit : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have reached out to XXXX  4 times with zero resolution! 

My name is XXXX XXXX and I am demnading these inquires to be reomved from my credit pursuant to 605B. I have wasted 4 months trying to remove these.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: U.S. BANCORP
State: OH
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 received, by USPS mail, a credit card that I did not request. When I called the phone number on the credit card to complain about the issue, I could not bypass the credit card activation process. I did not request this card and do not want it, and do not appreciate a solitation for a credit card that I can not decline. 

The card was received from USbank thru the USPS mail servce on Saturday, XX/XX/2011.

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 2015-12-11
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our mortgage ws given to OCwen when GMAC went under. Ocwen has not asked for us to sign any loan documents or explain any of our fees. We were paying our loan and trying to modiffy with no sucess. in 2014 my husband got laid offf andthey modified us to a unemployment modnification and made it sound perfect. we were able to keep our home while my husband found anouther job. at 5 months thye cancelled our modification because we were 1 day late on the 1/2 of the payment we owed. once this happened hy explanined to me that now we owed them around {$15000.00} to keep our home. i asked why and how is that possible and they explained that what ever we do not pya on our mortgage we owe at the end of the modification. please tell me someone on unemployment is going to be able to save this kind of money when they are just making it by .... they felt no remourse and would not help us in any way. i had to either find the money or lose my home. what a shock this was. i had to go to a family member and ask for them to loan us money as we had no money and wanted to save our home. since then i have tried to modify my loan and htey refuse. i do have the lowest interest rate as when my loan was with GMAC they were able to adjust my rate with the first HAMP refinance i tried and for 2 yrs unable to make a mortgag payment and then when they gave us the 2 % rate they added what we owed on our mortgage to the back end of our loan so we became under in our mortgage and equity. Ocwen states that due to us not being XXXX or XXXX there is nothing they can do. then why this program to hlep. i am not asking for my payments to go lower i just want my principal to be back where it was. all of thi happened with GMAC and OCwen and is not communicated and when you ask to speak with managment for office of the presidents they tell you there is none and we have to deal with it. There is no concerns or willing to help with this company. i feel that there is something they can do for us. The main parts are the amount of money we had to compe up with to save our home after being on unemployment in the amount of {$15000.00} which no one that has no job has that kind of money, that is unfair and should not even be offered. that is a scam and they know exactly how to get you to think it is so great until the end. they want your home they want you out. 2nd issue is the no resolution to anything. they can not tell you why you are denied on something or what can be done. they just tell you no. there should be notes and detailed reasons for declines. instead it is just a no and you can either short sale or foreclose. i think that should not be a opition ....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with XXXX inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They had been calling me every hour with many different number and not leave the messages on voicemail. It is very annoyed and its frustrated. I called and I asked them to stop calling repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove any variation of my name that are not XXXX XXXX XXXX I have attached my birth certificate. 


Please remove any addresses that are not XXXX XXXX XXXX XXXX PA XXXX. 

I have attached my Drivers License.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a foreclosure sale date of Tuesday XXXX XXXX, 2015. I have submitted a complete loan modification application to my lender Ocwen Loan Servicing , LLC 12 times between XXXX XXXX, 2015 and XXXX XXXX, 2015. My initial submission this time was through XXXX back on XXXX XXXX, 2015. Ocwen contacted me to notify me that XXXX documents were missing and I have provided those missing documents. Ocwen has verbally acknowledged receiving a complete file from me but has not made any efforts to stop the foreclosure sale ( according to the customer service representative I spoke with twice ). They require 30 days to review my application for an affordable loan modification. I was told that they require a complete file more than 7 business days before the sale date and I have met that requirement. I have had a significant loss in my income but have gained permanent employment for 1 year now and desperately want to keep my home so that my family and I will not become homeless. My request is for assistance with obtaining a written notification of the postponement of my pending foreclosure sale date of Tuesday XXXX XXXX, 2015. Also, my request is for assistance with Ocwen providing me with an affordable loan modification so that I may keep my home because that is my desire. I will attach a copy of the file I submitted to Ocwen 12 times within 5 days. Thank you for your time and any assistance you can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: Affirm Holdings, Inc
State: DC
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:
A fraudulent reservation was made through the XXXX website using my Affirm financial loan info without my consent or knowledge. I contacted Affirm to report and dispute the unauthorized/fraudulent activity and after 30 days they settled on a resolution that I still owe this loan but did not provide any proof or reasoning why. I contacted XXXX to confirm that I've never had an account or reservation with them and asked if they had any knowledge of this reservation, which they did, and they've since removed the reservation from their site but claimed they would refund the full reservation amount since their was fraudulent activity done and they would look into it. NO additional information was provided from XXXX regarding the reservation. I also filed an affidavit with Affirm and submitted a FTC report on both organizations as a response to the resolution that I was a victim of identity theft and that the reservation made on the XXXX website was not done by myself or with my knowledge or consent. Affirm has since sent the now delinquent loan to 3 different collection agencies and 2 of the 3 stated that with the proof of documentation I provided to them, they would not be pursuing debt from me on this loan and would contact Affirm to confirm their decision. Affirm did not reach out to me with any updates or information at any point but proceeded to send me the third collections agency which I have not received any communication from. I've also filed a fraudulent dispute with XXXX in XX/XX/2021 and they also came back with a resolution that the Affirm loan will remain on my account. I have received no documentation to prove this debt is mine but have filed and sent fraudulent and identity theft reports, a signed affidavit, several calls and emails proving this loan was fraudulent, unauthorized and that it should be removed from my credit report. I've spoken to several Affirm supervisors and representatives that have a log of all the calls and emails and supporting documentation that proves this loan was not authorized by myself and should never have been approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with chime about two years ago I been getting direct deposits for a year and a half ago. Same job same direct deposit for them years. Just recently out of nowhere chime told me that my bank account is Incompliant with there service out of nowhere and my account was put on hold. They asked me on XX/XX/2020 at XXXX XXXX  that I had Unusual activity on my account and I had to send the current document. A picture of my ID Proof of address and proof of the funds in the account. So I called immediately and they basically told me the same thing so the next day XX/XX/XXXX I sent them a picture of my ID My national grin bill with my address and my name on it and also my paystub. Then the same day the replies and say I need a picture of my ID with me holding it. So I sent that then Three days go by ( Today ) I get a email saying my account has been closed and the money thats in the account is none refundable. I asked for a supervisor he told me nobody can touch the account and my money is just their in the account and I cant get it back. I asked for them to send it in paper check and all. Then I asked the supervisor how is my account Uncompliant he couldnt even give me a answer of how. When I looked online I wasnt the only person chime has closed account for no reason and has took thousands of dollars from other individuals This bank chime Banking services provided by XXXX XXXX XXXX or XXXX XXXX, XXXX, Members FDIC. The Chime Visa Debit Card is issued by XXXX XXXX XXXX  or XXXX XXXX  pursuant to a license from Visa U.S.A. XXXX. 

There support number is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: Guidance Alum LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
This company contacted me by email after government release information on XXXX student loan agencies, they promise to step in and make full payments as of XX/XX/2021, and by XXXX of 2021 I myself had my own loan discharge and no thanks to the company who made no payments to the student loan nor have I received any refund of the {$780.00} taken from my bank account. Wire fraud is a crime and if this continues all education institutions will be questioned..do n't answer any phone calls making promises that can only hurt your future Guidance XXXX a month evidence is attached.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief