BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: NY
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:
Back I n XXXX, XXXX, I made a payment to XXXX, they used my routing and checking account number to take payment. XXXX  never informed me that I must have a checking account with checks, my bank account is a checkless checking. XXXX  understood this error and promised to correct the late payment. They even sent me a letter indicting they would remove it from my account. I submitted a dispute to expedian along with the letter from XXXX. After expedian completed thier investigation, they did not make any changes

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 2017-01-21
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Hello, I am XXXX veterans XXXX to service and unable to work. I have been unable to get information from ACS education about loan cancellation. Please help get an address and number for cancellation of the debt. They have refused to provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Stone Higgs & Drexler
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
i wasnt notified by the creditor before they tried to take legal action, not even the attorney office, they never sent me a validation of debt notice not even a phone card no communication at all

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reached out to Account Resolution Services a division of HRRG, LLC in XX/XX/2021 requesting that they validate a medical debt they had placed on my credit report. I received a correspondence from them dated XX/XX/2021, which did not provide any proof of validation. I then sent them a certified letter which was signed for on XX/XX/2021, again asking for them to validate the debt. They sent a correspondence identical to the first one on XX/XX/2021, which did not provide the information that I requested as proof of validation regarding the debt belonging to me. On, XX/XX/2021, two certified letters were sent to them, one advising them again to validate the debt, as well as a Failure to Validate the debt correspondence. I received a third correspondence which was identical to the first two where they still failed to validate the debt.

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 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
So XX/XX/XXXX i went to the post office and i sent in a few documents regard identity theft to XXXX, XXXX  and Transunion. Until this day i still haven't receive an update to what is going on. I dont normally check my credit but when i did i saw a handfull of fraudulent accounts on my credit report. I have never done busines with these companies.I have been getting alerts saying my email and social have been compromised. When i called the credit bureaus they said that they need an FTC report. I have attached the FTC reports with my Drivers license and social.

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 2021-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/2020 This is not mine. 

2. Identity Theft XXXX  Account Number : XXXX This is not mine. 

3. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX  and I would like to file the complaint on behalf of XXXX XXXX  and myself The lender, XXXX XXXX nmls # XXXX, of Cardinal Financial XXXX XXXX nmls # XXXX, not doing his job and being dishonest in the process of the loan. The home was UC on XXXX XXXX and ( appraisal ordered XX/XX/2021 ) finally did not close as of today XX/XX/2021 due to Buyer not qualified for the loan after 9weeks UC. According to buyer 3 weeks ago the lender switched loan types to Conventional from FHA and never told me nor did he supply a new loan disclosure to the buyer to be aware of changes. The lack of professionalism and communication was the worst Ive ever dealt with in 17 years of being a XXXX. My buyer took money from a XXXX to purchase a house with knowledge from his lender that he could purchase a home and now he will be penalized if he does not use the money he withdrew by the end of the year. As an XXXX XXXX of 15 years, this should have never happened to a consumer.nor should anything be under contract for 9 weeks in false pretense

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: ACS Education Services
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I was a co-maker on the student loan with my son, XXXX XXXX. In XXXX 2015, I refinanced my home to pay of this loan in the amount of {$97000.00}. 
On XXXX/XXXX/2015, the loan statement sent by ACS gave a loan balance of {$96.00}, XXXX. I made a payment on XXXX/XXXX/2015 in the amount of {$97.00}, XXXX on this loan having refinanced my home. I now have received several calls ( XXXX 2015 and into XXXX XXXX, 2015 ) and bills dated XXXX/XXXX/15 ) stating I owe {$530.00}. In my many conversations with the representatives, I have asked for a detailed explanation of why I still owe this amount. I am very confused because the amount due on XXXX/XXXX/15 was {$96000.00} and payment of the loan through escrow on XXXX/XXXX/15 was {$97000.00}. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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: Account status incorrect

Complaint:
This is a formal complaint that Credit Bureau is reporting inaccurate and incomplete credit information on my Credit Report. 
I understand that mistakes happen but heir inaccurate information could cost me in higher interest rates and I have enough expenses as it is. Please investigate the following information and remove incorrect information from my report. By two monitoring website XXXX and XXXX XXXX I have no late payment on accounts bellow, but at the same time XXXX sent me letter with stating that I have late payments on these. 
1. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The wrong amount is being reported XXXX XXXXXXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: Razor Capital, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I asked to Cease and Assist the debt with the current Creditor Razor Capital and both XXXX XXXX and currently Total Card has been harassing me and been belligerent when I called them to do not call me as this account is 5 yrs old and I am not working XXXX! Also verbally threatening and harassing me! I also asked not to be on a recorded line and they disrespected my wishes!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: BANCO POPULAR DE PUERTO RICO
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
An annual fee of {$140.00} was charged on this credit card by Banco Popular de Puerto Rico on XX/XX/2021. I cancelled this card on XX/XX/2021 which is only 2 weeks after annual fee posted. I called the bank for the refund of the annual fee, but the customer service declinded to refund my annual fee. They claim they can't do that once annual fee posted. The fees were paid in full by auto payment and I would like to get annual fee back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In 2012 I took out a payday loan of around {$1000.00} from the " Cash Store '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX year old grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated US Code Title 15 and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.

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 2021-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following pubic records are not only old but also fradulently reporting on my credit file, and it has caused me alot of hardship, therefore, I'm demanding the removal of the following accounts. 

1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXXXXXX

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 2016-02-19
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I leased a vehicle from a XXXX car dealer on XXXX/XXXX/XXXX. As part of the transaction I returned a XXXX XXXX leased vehicle early. Original lease maturity was XXXX/XXXX/XXXX. As part of the transaction I paid {$2000.00} down and approximately {$2500.00} upon delivery of the new vehicle. Never once did the dealer inform me of any additional charges connected with the transaction. On XXXX/XXXX/XXXX I receive a letter ( see attached ) from Kia Finance demanding {$660.00} additional to satisfy the lease. I called the car dealer and they informed me that they submitted approximately {$1100.00} to Kia Finance. I called Kia Finance to no avail. This appears to be a violation of the Dodd Frank XXXX provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
1 ) XXXX XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX 2 ) XXXX XXXX XXXX Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ) CAPITAL ONE AUTO FINANCE Inquired on XX/XX/2020 XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I do not know who made requests, I did not give my personal information. I contacted the companies XXXX  we can not help you call credit organizations you will be removed hard request

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I get multiple calls from XXXX on my new 2 month old cell phone. It is a pre-recorded message telling me to call XXXX about a JCPenney account that is overdue. I do n't have any JC Penney accounts. This is also a new cell phone and number. I call and they say the ca n't find me in their accounts by phone number. I tell them to stop calling me and using my minutes when I do n't even have a JC Penney account. I ask for a supervisor and they put me on hold and then hang up on me after a few minutes on hold. They have called multiple times now. How do I get them to stop calling me? I am a XXXX XXXX person on a fixed income and ca n't afford the minutes on my cell phone.

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 2021-08-12
Company: Bread Financial Holdings, 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: Investigation took more than 30 days

Complaint:
Please remove the accounts I have listed here. These companies have had more than 90 days, which I have given them more than enough time and 3 dispute letters were sent to resolve this and they have failed. Now it is time to DELETE the accounts per the FCRA. Some of these companies send a template response back that I should wait LONGER. This is unacceptable. The FCRA gives them 30 DAYS. They have taken over 90 ; this is a violation and they are required to remove all of the accounts that they have failed to investigate. There is no way that the FCRA should be ignored and I have to suffer, especially during a time when credit is needed for employment, dwelling, insurance, and more

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: SYNCHRONY FINANCIAL
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was contacted by someone named XXXX XXXX who said he worked for a company called GE Capital. He said that I had been approved for a {$5000.00} loan, but since my credit score was so low that I would have to pay a {$150.00} fee via XXXX. I went to XXXX and wired the company {$150.00} plus a {$3.00} transaction fee. I was then later informed by XXXX, the accounting clerk that I had to pay an additional {$130.00} fee to process the loan. I wired the company {$130.00} plus a {$3.00} transaction fee. This all occurred on XXXX/XXXX/2015. On XXXX/XXXX/2015, they contacted me again and said the funds could not be transferred into my bank account and I had to pay a {$200.00} transaction fee in order to receive the funds. After going back and forth all day, I told them that i could not see them any additional money and I just wanted my money back. This is when I knew for sure that they were n't a reputable company. The wanted me to go to the pawn shop and pawn my valuables and the so-called manager told me that since I could not come up with the money that, in his words, I should go get " XXXX '' and pay them the fee. I told him that I had morals and any other reputable company would not speak to me in that manner and not charge me upfront fees for a loan. When I asked them to please send me my money back, he stated that he could not send it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
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 have been disputing XXXX XXXX XXXX XXXX  on my XXXX  and Equifax report for over a year now. Each month they are reporting 2 separate accounts for the same lease. XXXX and XXXX. I have contacted original creditor the true balance and they have added on about XXXX dollars to the bill. I have asked several times for them to validate the debt but they never send me anything. The Date of First Delinquency XX/XX/2019 is not correct they have RE_AGED the accounts, Also XXXX XXXX XXXX XXXX is reporting these amount each month past due. Collections can have balance but no Past Due Amounts or Payments. My rights have clearly been violated and I want these 2 accounts Delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I contacted XXXX to inquired about my account. I was under the assumption that I had a plus account. The representative advised me that I did not have the plus account and that I had a regular account. She advised me that there was no option for an upgrade on my account to get the plus account and that I would need to apply online for that account, which would be submitting another application for another card. She advised me that if I did reapply and got denied. She advised that I could call in and told them that I applied for the plus card and was denied, that I could the have my account reviewed and get upgraded to the plus card. So after applying and getting denied, I called back in to and was advised that the customer rep that I spoke to basically lied to me and that they are not able to review my account for the plus card. The customer service manager advised that they review the account but can not make any changes to it.

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 2021-08-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Customer reached out to Mr. Cooper in XXXX of XXXX due to an employment change during the Covid Pandemic. The Mr. Cooper representative suggested a loan modification, so he started the process. The forbearance was from XXXX - XXXX of XXXX. He was assured on multiple occasions that the mortgage payments would not be reported as late/past due because of this process.

Mr. Cooper sent closing documents on 4 separate occasions because they kept sending incorrect information. Mr . Customer was also told they could not find the documents that were sent back even though XXXX confirmed they were delivered and Mr. Cooper cancelled the modification making him start over again. Mr . Customer followed up with them on multiple occasions to have the process completed and this never happened. He finally gave up on the process after almost a full year of trying to complete it abiding by their terms. 

He made the following payments to catch up the payments : XX/XX/XXXX : XXXX XX/XX/XXXX : {$12000.00} XX/XX/XXXX, {$1300.00} XX/XX/XXXX, XXXX Mr . Customer 's ex-wife Customer 2, is still on the mortgage and signed all the documents Mr. Cooper requested. On XX/XX/XXXX, she received notification from XXXX  that her credit score had dropped ( substantially, over 100 points ). The credit report from XXXX is now reflecting over 120 days past due with Nationstar/Mr. Cooper and a past due balance of over $ XXXX. 

We are asking that Mr. Cooper/Nationstar please contact all 3 credit bureaus for each of us to have these late payments corrected and the past due balance removed since this is the negligence of Mr. Cooper/Nationstar not holding up their promise. Customer 2 works in the XXXX XXXX, and this could severely impact her employment if not resolved quickly. Mr . Customer 's employment is also impacted by a negative credit score. 

I have copies of the payment history, along with the negative bureau report for customers if needed. Customer 2 called Mr. Cooper/Nationstar on XX/XX/XXXX and was told that loan modification negatively impact credit and no help was given even though that is not was previously disclosed at the beginning of the process.

Company response to consumer: Closed with explanation