BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-21
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 appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
XXXX, XXXX XXXX XXXX began servicing my mortgage several months ago. The first issue we encountered was them automatically purchasing hazard insurance for us when had had already provided them documentation we had a current policy. It took several hours and weeks to resolve the issue. Their phone system is a loop of options meant to discourage real customer contact. In addition, they could/would not provide a direct phone number for their insurance center, or an email contact, on any letters or their website. It took multiple calls to their general Customer Service center to find an agent who was competent enough to help find the right person to speak with. 

Today, when I logged on to pay my mortgage, their newly designed website timed out and ended up charging my bank account twice for the mortgage. When I attempted several times to call them, their phone system was not working. Furthermore, there is no email system to help make inquiries about mortgage payments or other service issues. 

This company is clearly trying to save money by eliminating options for human contact or and has been beyond slow and unresponsive. Thank you for allowing this complaint to be filed.

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 2023-08-23
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
hey please remove this account I know you will understand me in this situation this is becoming a frustration to me. Please be deleted before 30 days If you do not respond within this time period, Thank you for your time. Hoping that I could get some favorable news after this investigation.

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 2022-12-12
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX  # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXXXXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have tried to obtain my credit report from TransUnion. After attempting to login, the login paid continued to notify me of incorrect credentials. I clicked a link for forgotten login information and was taken to a page that requested my FULL social security number twice and my last name. After completing the information and clicking the submit button, the page refreshed to an empty form as if i never completed the information to begin with. I then contacted Transunion and explained the problem. I was transferred to the " online team '' and was told by an agent they could send me a reset password link to my email. I was sent a password reset link and used the link to change my password. After changing my password I was sent a verification code. After entering the code on the website I then received a message that said " Identity Verification Failed : Failed safety check ''. I told the agent on the phone the issue and he started to speak but then i heard nothing. I tried to stay on the link and hear any response and heard no response. I had to hang up the call and call back. The second time calling back an agent picked up and I was told to hang up and call the online team 's number, instead of being transferred. The agent from the online team asked me for my full social security number, which was not asked for during the previous conversation with the online team. I notified the agent that I was concerned as I did not give that information out last time, and his language was mean, " snippy '', and unprofessional so I decided to hang up the call. I then called again and after getting to the online team for the third time, I explained my login issue again. This agent did not ask me for my full social, he asked me for the last 4 digits of my social security, name and birthday. It was very difficult understanding him. After verifying that information I was told TransUnion locked my account to identification failure. This did not make sense to me as weeks prior was on the account and disputed some accounts on my report. I completed the verification process when signing into the account. I was told to send in personal documents to unlock the account. I tried to gather information about the documents needed to send in and became frustrated not being able to understand the agent. I am being locked out of my account for identity problems yet I am getting notifications through XXXX that accounts on TransUnion are being updated with false information. So TransUnion is allowing my account to be updated yet I am not being allowed to login to see the information.

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 2023-08-21
Company: OneMain Finance Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
Attaching a graph of the 3 bureau reports for the last two years may seem too complicated to assign each question. However, when there is unusual activity, there is always a pattern to be found. In my case, I narrowed it down to three patterns : ( A ) an agency would have " hard inquiries '' multiple times in XX/XX/XXXX hours ; Never hurt my credit report. ( C ) There is also this kind of company. They not only promise to only do soft checks, but also obtain all my personal information, including my social security number, birthday, etc., and finally perform hard-core queries. They also have this kind of artificial intelligence program, just Like a regular draft, is a system where after a few months, hard queries are automatically made. That means they want to play it safe but don't care what happens to my credit history. Unfortunately, when the above activities are piled up by certain businesses after multiple foul play, the trouble becomes a nightmare on my credit report. A few years ago, I was a victim of identity theft. I've been working hard trying to get my credit score back on track. It took me at least four years to go from penniless to more than XXXX XXXX Recently, due to an unexpected incident, the clouds were immediately stirred up, causing my credit report to drop more than XXXXXXXX XXXXs in an instant. One of my creditors, XXXXXXXX XXXX, incorrectly reported delinquency to XXXX twice, even though they were able to make a correction with XXXX after I challenged XXXX XXXX? However, the damage has already been done. It looks like they could easily drop my credit score by over XXXX XXXX XXXXt, but climbing back to where it was ( XXXXXXXX XXXX short ) would be very difficult. Came back after I called XXXX to find out the number of hard inquiries was blocked. This may sound like a drama, but my own life has been severely disrupted and disrupted in many places. In today 's society, a credit score out of XXXX divides people 's quality of life into different groups. I have spoken to XXXX and they have advised me to report the fraud to the FTC. To sum up, I now have a total of 8 hard inquiries in dispute XXXX, except for the earliest soft inquiry on XX/XX/XXXX, which was counted as a soft inquiry with my consent, and all others were without my knowledge. Their caprice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: NY
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 XXXX hard inquiries pull without my authorization made on XX/XX/XXXX XXXX XXXX JPMBC card services CFNA ( hotel and travel )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital one closed my credit card after I just made a {$650.00} deposit for the purposes of boosting my credit score. I have been having a few issues before hand with the with my wife and a girl I was dating taking my card and making unauthorized purchase. I corrected the problem on my end. And now I lost XXXX on credit I needed because of it. But capital one opened me a new credit credit card with a {$300.00} limit and double the interest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-13
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
On XX/XX/XXXX my car financing company gave my loan to a company that doesnt honor my warranty. My cars company was called U.S. Auto Finance , Inc

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am requesting the removal of this account from my credit report, as it currently displays a balance of {$0.00}. Additionally, I urge the inclusion of legislation that safeguards me, as an American, against debt collectors. Account details are as follows : Account # : XXXX Status : Closed Credit Limit : {$200.00} High Balance : {$300.00} Payment Amount : {$0.00} Last Payment : XX/XX/XXXXXXXX  Term : 0 Month ( s ) Description : Individual Open Date : XX/XX/XXXXXXXX  Closed Date : XX/XX/XXXXXXXX  Last Reported : XX/XX/XXXXXXXX  Days Late : XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Payment Status : Coll/Chargeoff Past Due : {$0.00} Worst Rating : Remarks : Payment after charge off/collection Paid profit and loss Completed : XX/XX/XXXXXXXX  Don't Remember Being Late : I have no recollection of ever being late with a payment on this account. Kindly furnish statements and records of all payments made and missed since the inception of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX sold a collection to debt buyer Jefferson Capitol Syst who reported a collection to the credit bureau in XX/XX/2022 amounting to {$540.00} for a debt that has been reported as Identity theft to the police department and the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
This complaint is in regard to XXXX credit card accounts but I believe began with the inappropriate actions of my Citi credit card account. 

I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. 

I was successful in obtaining a mortgage and did indeed purchase my new home. 

I applied and was approved for a Citi credit card which I used for making purchases to furnish my new home. 

I never went above my spending limit nor was I ever late with making timely payments on this or any of my credit accounts. 

I also have XXXX XXXX XXXX credit card accounts which I also used for this purpose. 

My income and budget were always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. 

I received a letter from Citi that stated that they had reviewed my account as well as other revolving accounts and had decided that I had too many balances at or near the credit limit. 

They were, therefore, closing my account from any further use but I was to continue payment of the balance remaining. 

Shortly afterward, I received similar notice of account closure from the XXXX XXXX XXXX credit cards. 

This was devastating to my credit risk scores on all XXXX bureaus because closing the accounts displayed a high usage of credit card usage with no available percentage of credit. 

The age of my oldest credit account also affected my scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. 

Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. 

The actions of Citi, as well as XXXX XXXX, did not take into consideration my income or my history of repayment when making this arbitrary decision. 

I will note that I was never contacted by either of these institutions to make a large payment toward the balances to prevent this untimely closure. 

I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. 

Please assist me in righting this wrong caused by these institutions. 

With Kind Regards, 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 2023-08-10
Company: Navient Solutions, LLC.
State: AK
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:
I am not sure why this continues to happen, but it SHOULD NOT be. Dept of EDXXXX has popped up on my credit reports as having a student loan of {$35000.00}. I attended XXXX XXXX XXXXXXXX XXXX in Tennessee in XXXX. The loan was originally with Navient. It has been paid in FULL. I have documentation showing that. Somehow, XXXX started reporting in XXXX  and after some back an forth and the documents from Navient showing it was paid in full, they took it off my reports. Now, after almost 4 years, it is back with Dept of EDXXXX ... . I am so tired of fighting this and people being allowed to just throw XXXX onto my report with NO proof, no contact with me, the reporting agencies just let anyone say " they owe me '', and they will report ANYTHING whether true or not and mess up people 's lives. I want this taken off for the LAST time! How is a PAID IN FULL student loan from 25 years ago being put back on my report time after time. People REALLY need to fact check. The report agencies SHOULD NOT be allowed to report something from this long ago, especially when PAID in FULL. I think because my information keeps getting pushed around, the agencies seem to think it is " new ''. Regardless, it needs to come off immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I have been requesting that Toyota Financial Services provides me with a formal breakdown of the original contract, including the fees and why insurance and my down payment was not included within the financing as the law states as per USC 1605 " sum of all charges '' and # XXXX : states " premium or other charge ... or insurance protecting the creditor ... '' I was asking for them to verify that my loan was written correctly, but they never responded to any affidavits, dispute letters, or motions. I have tried for over a year now to confirm this contract is valid. Toyota has ignored all requests. They have now stolen my vehicle in which I only owe about $ XXXX on but stopped making payments when they refused to provide me with proof of a valid contract. They are going to sell my vehicle on XX/XX/23, and I need them to allow me to defend myself before a judge but they wont even let me do that. They are themselves finding me guilty without a judgement in place. I never wanted to not pay, I just wanted TFS to verify the contract/loan was correct. I have numerous written communications that are all notarized and certified/signed for mailed as proof of my attempts to get this information. I was always willing to make the payments once they verified the loan. I am still asking for verification, but they took my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My name is XXXX XXXX, we did a wire transfer donation to a refugee school in XXXX from Non profit account name The XXXX XXXX XXXXXXXX XXXX under First National Bank Omaha XXXX. The amount was {$3000.00} transactions dated XX/XX/XXXX, on XX/XX/XXXX, the beneficiary didnt receive the funds so I had called first national bank multiple times they said my money was held they didnt tell me any details or reasons. On XX/XX/XXXX, they still held my money so I requested them to return it back to non profit account. Until today XX/XX/XXXX we still havent received money back and the beneficiary didnt receive it either. First national bank Omaha still hasnt returned money back to us and didnt tell us 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 monetary relief
Consumer complaint received 2023-08-10
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have never verbally spoken to this company or received any written documentation from XXXX XXXX prior to receiving the attached debt collector letter. I am aware that this is a violation of my rights. According to the FTC, a collector has to give you validation information about the debt, either during the collectors first phone call with you or in writing within XXXX days after first contacting you. Collectors are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt they're trying to collect. It must be sent within XXXX days of the first contact. 

Please see attachments ( letters )

Company response to consumer: Closed with non-monetary relief