BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-06
Company: VW Credit
State: NC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
VW Dealership took my Trade In ( XX/XX/XXXX XXXX which was paid off ) and rolled my equity over as NEGATIVE equity into my new Car Lease for a XX/XX/XXXX VW Jetta. I have been paying $ XXXX/month on a Car Lease that ends XX/XX/XXXX. I have made attempts to buy out the Car/Lease and Trade In but have not been able to because the entire Loan and Residual Value via VW Credit are skewed. Now within the last 90 days of the Lease I am being harassed and the car has been wrongfully repossessed. 

TIMELINE XX/XX/XXXX 1st trip to XXXX in XXXX ( ALL the following pts. below are documented ) Put down {$4000.00} ; told Sales Rep that my budget was no more than {$350.00} in monthly payments Discussed XXXX, only Why not XXXX? Why not a purchase w/ a $ XXXX down payment XX/XX/XXXX 2nd trip to XXXX in XXXX Signed a lease agreement 4 years ; $ XXXX down payment at signing $ XXXX monthly pmts with VW Credit XXXX was the Salesperson as documented XX/XX/XXXX : 3rd trip to XXXX in XXXX XXXX (? ) Leased not approved by VW Credit Lease sold to XXXX ( *Across the Street from Dealership ) Additional {$1500.00} of down payment ( Current total cash paid {$5500.00} ) Put into an OPEN-END COMMERCIAL LEASE In the name of XXXX XXXX ( XXXX years old recently XXXX from college in XX/XX/XXXX ) Paid for 61 Months - 13 months beyond term Could not reach Bank nor Dealership to determine what to do at the end of lease ( called every month for nearly a year ) NEVER TOLD BY XXXX THAT A 3RD PARTY LEASE WOULD NEGATE MY ABILITY TO TURN IN MY LEASED CAR FOR ANOTHER VW FOR THE STANDARD {$350.00} TURN-IN FEE XXXX actually hand wrote on new contract that my " term '' was still 48 months ( see. Exhibit TOTAL PAYMENTS = {$25000.00} + {$6000.00} = {$31000.00} XX/XX/XXXX ( XXXX ) Went to XXXX VW in XXXX, VA ; Goal to turn in leased XXXX for another VW and monthly lower payments ( XXXX VW ). Spent 10 hours at Dealership. 
Specifically told Salesperson that monthly payments were too high, did not need a XXXX because it was too big for a single young female, and expressed that my budget was $ XXXX/month or less. 
Not considered a " Lease Exchange '' due to outside banks involvement Told by Dealer that trade-in allowance would be {$12000.00} ; in reality trade-in allowance given was only {$4000.00} Dealer ( XXXX ) stated remaining lease owed of {$8100.00} even though paid XXXX additional payments @ {$420.00} ( {$5400.00} ) Instead of {$12000.00} trade in allowance, actually had {$4100.00} applied to the lease ( as negative equity ) increasing amount of lease and payments as well as residual value Dealer did not pass on ANY incentives VW customer loyalty ( see Exhibit Dealer did not provide advice on how to handle remaining " lease '' due to overpayment to bank-wanted to make a sale =Could have kept XX/XX/XXXX XXXX and had lower payments and/or dealt with it the appropriate way with VW/Dealer/Industry Leader help/advice ATTEMPTS TO BUY OUT CURRENT LEASE ON XX/XX/XXXX VW XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NC
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 am writing to delete the following information from my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that these items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: AMERICAN INTERNET MORTGAGE
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting

Complaint:
My husband and I were deigned credit for a new primary residence based on the lender 's claim it is an investment and not to be our primary residence for the next 12 months. I have provided evidence it does not conflict with retention of my current primary residence, verification we intend to live in the new primary residence for 12 months, and the letter deigning us the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I graduated from XXXX University XXXX XXXX. Like many others, my family was not able to pay for my college education, and we were left with no other choice but to borrow the funds needed to send me to college. My step father, is the hardest working man that I 've ever met. He is a XXXX, and is soon to retire due to physical limitations ( with little to no XXXX due to the recession ) .When my dad and I took out this loan, the original balance in XXXX was {$27000.00}. Approximately in XXXX, when the loan was serviced by XXXX, both of my parents were hit by the down economy ; my mom lost her job and my dad 's hours were cut to part time. This was a devastating time for my mom and dad who were struggling keep the lights on and food on the table, let alone pay a {$400.00} a month student loan bill. Meanwhile, I was just out of college working at a XXXX making {$8.00} an hour. Needless to say, without any other choice, my family defaulted on this loan. It destroyed my dad 's and my credit scores which has taken me over ten years to rebuild. I had a few other student loans that I was able to consolidate with the US. Department of Education ( XXXX ) with a reasonable interest rate and an affordable payment. However, since this loan was a private student loan, it was not able to be consolidated with my other loans so I was left with this 9.5 % interest rate and high balance that is not moving despite our recent excellent pay history. I wanted to begin my adult life and begin to rebuild my credit so we entered into a repay plan to get our loan out of default and back current. We completed the repay plan and got the loan current, which was not an easy task. Here is where we are now feeling the affect. After we completed the repay plan and got the loan brought current, XXXX then capitalized the 2+ years of delinquent interest, fees, late charges, etc. back into the loan amount. The balance after the recapitalization was well over {$40000.00}! We have been current on this loan for the last several years paying {$410.00} a month. I feel that this loan is nothing less than predatory. It is now twelve years after the loan was originally issued and I do not see how I will be able to pay this loan off. Every extra dollar that I have goes towards this loan which takes things away from my daughter and my wife which is not fair, and I do not think that should be the penalty of wanting to obtain higher education. 
My parents are now over XXXX and my mother 's health is deteriorating. She will be forced to retire from work soon ( with no XXXX due to cashing it out during the recession ). My dad can not afford to assist me on this loan, and he as well will not be able to work much longer due to physical restrictions. I will ultimately default without your assistance in restructuring my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: Internal Check Systems, LLC
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This was a payday loan from XXXX and the callI I got yesterday was threatening to have me arrested if I fail to pay {$460.00} by a certain time.

Company response to consumer: Untimely response
Consumer complaint received 2016-12-28
Company: D. SCOTT CARRUTHERS
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX Scott Caruthers is harassing me at work. I have a recorded call the gentleman being very rude without disclosing the purpose for the call at my place of work

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have had some inaccuracies on my report for about a couple of months I have tried repeatedly to remove these negative items off my report these accounts have not been verified on my report and it has been 30 days or more that these accounts have been on my report

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 2023-06-14
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance 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 Account Number : XXXX has violated my rights. Or list of inquiries 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 report by more than seven years.

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 2017-04-10
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Other fee

Complaint:
I applied for a MasterCard through Barclaycard bank in XXXX of XXXX. On XXXX XXXX, XXXX, I received a letter from Barclaycard confirming my eligibility to receive XXXX ( XXXX ) benefits. The letter stated that the following terms would apply to my MasterCard Gold Card account as long as I was on XXXX XXXX. 
-The Annual Percentage Rate ( APR ) for all balances have been lowered to 0.0 % -All transaction fees, if any, will be waived -Any transaction fees and finance charges applied since your XXXX XXXX start date of XXXX XXXX, XXXX will be credited back to you. 
On XXXX XXXX, XXXX, I received a letter from Barclaycard stating that they reviewed their Department of Defense records and discovered that my account is not eligible to receive the protection under the XXXX but they extended certain benefits to my account based on their policy. The letter goes on to state going forward Barclaycard will no longer waive the annual fee for my account and as a result a charge of {$990.00} will be appear on my statement in XXXX XXXX ; however, the 0 % APR and other fees will still apply while I 'm on 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 2016-12-27
Company: ALCHRO INC.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to a collection agency over 1 year ago never reported it paid to originalXXXX or XXXX first federal creditor and collection. The creditor was XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-06-14
Company: RoundPoint Mortgage Servicing LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am reaching out to you as my last resource in resolving this issue, which continues taking place month after month. Unfortunately, we are unable to resolve it thru the regular phone lines. 

We also contacted CEO of RoundPoint but no response as of yet. 

First, since XXXX of this year Round Point, decided to charge me escrow additional dollars every month and late fees for home owners insurance despite evidence was facilitated back in XXXX. 

Second, every month since XXXX RoundPoint doesnt allow me to pay my official balance morgage ( {$1000.00} ) but instead wants us to pay an additional over payment of ( {$570.00} ) in escrow. 

RoundPoint Mortgage Servicing continues pushing us to overpay and promises to refund us back within 10 days which never happens. 

Why should i continue over paying, including late fees and trust round point to save my over payments and refund me? Is Round Point going to pay me interest rate on all overpayments they are kindly saving on my behalf? Please Note this is extra money i dont have available and which is going to a supposely suspense account. I dont want Round Point to become my savings bank. This situation is very disrespectful to us as their clients, and i am hoping you are able to get answers on my behalf and help us reaolve it as soon as possible. 

If you are in need of additional details, refer to below facts gathered by my husband during his numerous calls made in the past. Ive also included attachments. 

Thank you in advance for anything you can do in our behalf. 

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 2023-03-26
Company: Experian Information Solutions Inc.
State: CA
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 disputed a inaccurate item on my credit report and the credit bureau put more inaccurate information on my credit report, that does not belong to me and those items where removed and placed back on my credit report.

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 2023-05-05
Company: Experian Information Solutions Inc.
State: CA
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-02-23
Company: EQUIFAX, INC.
State: MS
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 sent letters to XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Experian Information Solutions Inc.
State: CT
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian refuses to remove inaccurate information from my report and they refuse to give me names of who investigated and how they did such investigations. They refuse to send me signed contracts and documents they have on file for me. I 've asked for this information multiple times. I have no knowledge or contracts with any of the said accounts : XXXX, XXXX, XXXX, XXXX, and XXXX. They are reporting XXXX amounts XXXX on my report

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 2017-03-19
Company: One Source Technology
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
it sais i have a drivin g on suspended license ticket within 5 years of being suspended for a dui ive never hade a dui in my life nor been convicted of one ive never been pulled over for drinking ever

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 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 appreciate your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have still items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX  I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX XXXX XXXX XXXX DPT EDXXXX 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 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 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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX MD XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} ; ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Charged me after I closed the account and paid the final bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
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  XXXX Account # XXXX, XXXX XXXX BANK Account XXXX XXXX, XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 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