BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-25
Company: Westlake Services, LLC
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: Account status incorrect

Complaint:
My account is not being reported correctly. It shows my account as open with XXXX when this has in fact been paid in full. Also none of the balances are reported correctly, each credit agency is showing completely different payment dates and details. This information cant be reported accurately if it isnt matching on all three credit reporting agencies data. Correct information should match on all reports. I am attaching a letter that claims you have researched and are showing information is being reported accurately which is false. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Date Updated : XX/XX/XXXX Payment Received : {$300.00} Last Payment Made : : XX/XX/XXXX Pay Status : Current ; Paid or Paying as Agreed Terms : {$280.00} per month, paid Monthly for 23 months Maximum Delinquency of 30 days in XX/XX/XXXX and in XX/XX/XXXX for {$280.00} High Balance : High balance of {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$4800.00} from XX/XX/XXXX to 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 explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, 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: Account information incorrect

Complaint:
XXXX has missed payment on my credit but told me it would be corrected due to an issue on their end by sending letters to the old address. Once I caught the error I contacteded them and was told it would be fixed. It has not been fixed and it has been over 6 months. The rep said that they were signing me up for a retroactive payment plan and it would take care of the miss payments because the letter was sent to an old address even though they had the new address. I disputed it and they said the info was correct. I have a recorded call where the rep said the missed payments would be removed because of a mistake on their end. This wasnt my fault and it needs to be corrected ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: URS Holding, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called the XXXX XXXX number, which comes up as XXXX and no human being answered me. they call me every day on my work phone and it's always a robot claiming they're calling about debt collection but won't name anyone who actually owes everything. This distracts me from doing my job and it's every day, they even leave robotic voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: First Financial Resources, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good Evening ; I have disputed this item with the credit reporting agency and with the collection company as shown on my credit report. I spoke with several representatives, and recently with XXXX at First Financial Resources and she mentioned that either my health insurance ( XXXX ) or/and XXXX XXXX ( auto insurance ) should've taken care the debt but they haven't yet. But instead of going back and forth with them, I went ahead and paid off this debt and she agreed that it would be removed permantely from my credit file. 

Also there are several inaccuracies with the way it's reporting and that's a total violation of FCRA and FDCPA guidelines. But In a good faith effort to resolve the matter amicably, I must demand the company to honor their part of the deal and remove this from my credit as agreed. 

PLEASE SEE THE ATTACHMENT!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, INC.
State: VA
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:
I never authorized this companies to obtain a copy of my credit report. I disputed this with company and credit bureau with no response. I want to see the application signed by me which should be on file. This violates the Fair Credit Reporting Act. These inquiries need to be removed or show me where I authorized these companies to obtain my credit report. The credit bureau 's need to remove the following inquiries : XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX   XXXX XXXX. XX/XX/XXXX I never authorized any of these companies to obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-17
Company: TRANSUNION INTERMEDIATE 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: Their investigation did not fix an error on your report

Complaint:
I was told the item for XXXX XXXX XXXX  account XXXX was deleted.. When I pulled the full report it is still on my credit report not deleted.

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 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, Transunion and XXXX verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2019-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Will not refund late fee and they run a program and they have not limits yet they state XXXX XXXX doesnt qualify. We have had several phone calls blocking any assistance at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-25
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, I was not able to make a payment due to being placed on FMLA at my job and receiving late pay from my employer. On XX/XX/XXXX the area I presently reside in was hit by hurricane Harvey and I was told by my mortgage company Round Point Mortgage not worry because they could place mortgage payments in suspension for 3 months due to the area I live was declared a disaster area by my state. I was told by Round Point to start making payments again in XX/XX/XXXX. They also stated that I would receive a borrower assistance package in the mail in XX/XX/XXXX. When XX/XX/XXXX came. My mortgage company raised my payment by XXXX dollars and they stated this was due to not having insurance in XX/XX/XXXX. Round Point stated that if I could prove that I had insurance in XX/XX/XXXX they would credit the difference back to my account. I sent in proof from my insurance carrier and was never given a response. I have been paying XXXX dollars more over the past 6 months. So this should mean that I am only 4 months behind. I recently requested to be sent a statement showing the amount I am behind. The statement I received shows that I am five months behind and is not correct. Also it states that none of the payments I have made including a double payment in XX/XX/XXXX have been credited to my escrow account also it states that after I pay the amount requested my payment will still be XXXX dollars which is also incorrect this legalized robbery. I also want to mention that at no time during this period did XXXX XXXX XXXX XXXX ever state that late charges would be placed on my account and they also have been charging late fees.

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 2018-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
There are two attempts to get a XXXX charge card on my credit report. Clearly someone is trying to use my information that has no idea who I am. You can see that they applied totally spelling my last name wrong both times but the same each time. I dont even know how stupid someone would have to be to NOT detect that this is fraud.

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 2020-05-18
Company: Check City Partnership, LLC
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Check city called from a restricted number, dod not leave a message, and immediately called a family member asking for my contact information. I have already been in contact with them weekly, they have my number and address and have spoken to me recently. Why be deceptive, calling from a blocked number, then to call a family member when they have my correct and current info?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, Navient sent the first reminder for me to send in my application to renew my Income-Based Repayment plan for XXXX. On XX/XX/XXXX, I submitted my application for renewal and it was complete and sent and received by Navient on XX/XX/XXXX. I did not receive confirmation from Navient that it was approved and on XX/XX/XXXX, I received an email stating that my payment would be going up in XXXX to {$760.00}. However, I received a monthly statement on XX/XX/XXXX showing that I would be charged {$540.00}. Due to the difference in the amount shown on XX/XX/XXXX and XX/XX/XXXX emails, I thought that my Income-Based Repayment plan had finally gone through and my monthly amount for XX/XX/XXXXwould be {$540.00}. However, on XX/XX/XXXX, I was charged {$760.00}, despite the last communication sent to me showing {$540.00} on my XXXX statement. I called Navient and the woman that I spoke to admitted that they had made a mistake and despite having my information, they never put in my account what my new IBR amount should be. She told me she would put my request through and that my new monthly payment should actually be {$110.00} per month. She also told me that it would take about 48 hours to refund my money, if I was willing to send my bank statement showing that the {$760.00} payment was on there. If I was not willing to send my bank statement, it would be up to 10 business days after the payment cleared with them in order to get my refund. 
I received an email on XX/XX/XXXX that my IBR had been approved and that my monthly payment would be {$88.00}. Therefore, I was charged {$220.00} more than expected and {$670.00} more than I should have been on XX/XX/XXXX. On XX/XX/XXXX, I was charged with an overdraft fee due to a check that had been written prior to the XXXX charge from Navient that we would have been able to cover had we not be charged the incorrect amount. We now have a {$12.00} overdraft fee and likely at least one more coming due to autopayments that were previously scheduled an unable to cancel at the last minute after Navient charged this. Luckily, my spouse and I have other ways to cover any expenses that we need this week as we wait for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: R.M. Galicia, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX is reporting their trade line information incorrectly on my credit report. The collection account is being reported as Date Opened of XX/XX/2012. The account is being aged based upon the date of reporting not date of delinquency. This is against FRCA and is causing this account to report longer than law requires. XXXX XXXX XXXX fails to comply with FRCA as well as the three credit bureaus allowing XXXX XXXX XXXX to report to. I have requested information to be updated and reported accurately but the credit bureaus and XXXX XXXX XXXX all fail to comply with the written law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
American Express advertises a promotional offer to its customers through its branded travel division termed the " Fourth Night Complimentary Offer. '' However, the characterization of this promotion is purposely misleading, because AMEX customers do not actually receive a complimentary night ( or nights ), or an equivalent financial savings. 

I contacted AMEX with this written complaint ( attached ) and it responded with an e-mail robo-response directing me to call its AMEX platinum travel.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I was denied a low income loan to obtain a city habitat low income cooperative. I was denied because the credit bureaus refused to fix my credit. False reporting of seven credit cards in 2017. Remarks of delinquency and derogatory charge offs and late payments remain on credit too long over seven years almost twenty years. I lost the only benefit of housing opportunity that will remove my homeless status in society. These credit bureaus are inefficient and unable to report accurately cause detrimental destruction in individual persons lives.

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 2021-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Selene Holdings LLC
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This complaint is about Selene Finance LP. This Debt collection agency will not send me requested copy of the original loan contract ( not promissory note ) with pertinent information needed to validate an alleged debt of my deceased mother. I am the Executor and Inheritor of her estate ( granted this information by law ) and have requested XXXX times from XX/XX/2022 to present for this document. It is now XX/XX/2022, and I have received a intent to foreclose on my inherited home without validation of the debt or options given for modification. On XX/XX/XXXX Selene Finance Fraudulently has submitted notice of intent to foreclose family home of XXXX years in my name ( inheritor ) with a new mortgage lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: MD
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 had sent a letter to Equifax, XXXX  and XXXX  about my personal information on XX/XX/2021. I have not seen any change on my report or got any response from the bureaus. I would like the changes I asked for to be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Glass Mountain Capital, LLC
State: OH
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:
The company Glass Mountain Capital LLC has been calling me since the end of XXXX. First they called from an out of state number in which I did not answer, but called back only to get a error tone. Then, in order to get me to answer the phone, they started calling from numbers using the area code where I live. I answered only to get someone on the phone asking me to verify my information without stating who they are and what they are calling about. Just stating it is regarding personal business matters. The lady hung up on me quickly once I refused to verify anything since she refused to tell me who she was and what she was calling about. They continue to call but, will not provide me any information unless I verify myself which I will not do if I do not know what the call is regarding. This collection company is not on my credit report which makes me suspicious about the nature of their calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I have had three car leases with XXXX. My current lease expired the end of XX/XX/XXXX. I decided to extend car lease for 6 months. The company reported XX/XX/XXXX payment late and now I'm not able to get another lease as the same tier as my previous lease for the one payment that was late because auto payment was disabled due to end of lease. I attempted to call Nissan Customer service on XX/XX/XXXX and was told there is nothing that can be done. The XXXX dealership also told me that no one can help me out.

Company response to consumer: Closed with explanation