BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-11
Company: Aqua Finance, Inc.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
I took out a personal loan with XXXX XXXX and XXXX XXXX to build a pool. The company said that I could not qualify for a Home Equity Loan which would place a lien and provide better rates and terms. This is the reason we did the as a personal loan. After the loan was booked it was brought to my attention that the company did in fact file a lien. This lien is now preventing my ability to refinance our mortgage for a lower interest rate. Aqua Finance and XXXX XXXX provided my an unsecured rate on a loan and did not disclose the fact that the loan is in fact secured through their lien on my home. This is a deceptive and abusive practice and is also against the XXXX XXXX  XXXX Home Equity Lending laws

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-03
Company: CREDIT ACCEPTANCE CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I was overcharged for a used XXXX XXXX XXXX that was financed through Credit Acceptance Corporation XX/XX/XXXX. The price of the vehicle was initially XXXX but changed to XXXX when the vehicle was purchased. I never received a bill of sale from the dealer XXXX XXXX. Also I am paying XXXX bi weekly and my credit report is still showing late payments. I was out of work from XX/XX/XXXX through XX/XX/XXXX and credit acceptance would not let me defer a payment. Instead they put me on a payment plan and Im paying close to XXXX per month but its still reporting as late 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 2023-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Within the week of XX/XX/2023, I got a mail from XXXX XXXX XXXX XXXX, offering I pay half ( {$1500.00} ) of a debt of ( {$3100.00} ) charged to a Capital One credit card. I called the capital one customer service to inform them that account was fraudulent. 
Within the week of XX/XX/2023, I received a mail stating that the company made an investigation and determined there was no sign of fraud. I called capital one customer service and was transferred to a supervisor who maintained the same claim. I requested the billing details and called their customer service to let them know they were defrauded. 
Within the week of XX/XX/2023, I received a letter from an another debt collector - XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX email them on XX/XX/2023. 
XX/XX/2023, I got a mail that Im being sued by Capital One. I filed XXXX answer on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/XXXX XXXX called me after I told them to put me on the dnc list and when I answered and they hung up XX/XX/XXXX XXXX called me again but I didnt get to answer XX/XX/XXXX XXXX called me but I didnt get to answer XX/XX/XXXX XXXX they called me they answered I asked to speak to a supervisor and the representative hung up on me so at XXXX tried to call back and they hung up on me again and at XXXX tried again same thing happened then at XXXX the same thing tried and no one answered then at. XXXX again finally called and got a supervisor and this is when I told her to put me on the dnc list

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I just checked my credit report and seen a charge on there that I did not give consent it says i opened up a bank account last XXXX in Missouri when i live in PA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Block, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A total of about $ XXXX was taken from my account in agreement of exchange for a XXXX XXXX. Money was sent to the vendor, however the vendor is requesting more money before sending the XXXX, even after accepting previously sent funds. I have contacted the vendor with no response. When notifying the vendor that I will dispute the charges, my account was blocked from messaging him

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the creditor Navient, has violated my rights. Under 15 USC 1681, Section 602, states I have the right to privacy. Section 15 USC, 1681. Section 604A. Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15USC 166B a creditor may not treat a payment on a credit card account as late for any purpose.

Additionally, under the Higher Education Act, Federal student loans which have been reported to be in default for 7 years or more, must be deleted from a consumers credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting 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, has violating my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A, section 2 : it also states consumer reporting agency can not furnished a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Stern Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hi, To whom this may concern, I have attempted to contact Stern Recovery Services on numerous attempts to not only validate my debt but, to also provide proof of my debt and to confirm the amount of the debt owed. I called the company on XX/XX/2022, I spoke with a representative that was not pleasant, that failed to provide me with proof of my debt after asking numerous times and also provided me with the false amount. 

According to my Credit Report, they are attempting to collect {$140.00} but, when I called the representative stated {$310.00}. I asked the representative to please provide proof of where that amount came from and why but, they stated they could not provide proof and that I would have to call back the next business day to speak to manager. I informed them that in order for me to pay the debt that they are claiming that I owe, I have the right to validate debt according to the Fair Debt Collection Practices Act. I called again on XX/XX/2022 to ask for the companies email and/or if they can send me proof of the debt, the representative stated that they couldn't provide proof but, could only discuss the amount that I owe. I asked for the company email and address but, the representative failed to provide that as well. I am not obligated to pay any debt that can not be proven that it belongs to me as well as, providing me with the incorrect amount than what was sent to the collection agency.

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 2023-09-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE SENT SEVERAL DISPUTES to REMOVE THESE HARD INQUIRIES ( 13 ) ON MY CREDIT REPORT. THESE INQUIRIES ARE NOT FROM ME AND I WANT THEM REMOVED RIGHT NOW! I SPOKE WITH AGENT XXXX FROM EXPERIAN AND HE DENIED HELP.

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 2023-09-14
Company: Genesis FS Card Services, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My Credit Score Report states I have a account with CB Indigo- Bank . I have never heard of it nor I ever apply for an account with them. 
CB Indigo- XX/XX/23.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX have all violated my rights .

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

15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an 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 2018-04-09
Company: EQUIFAX, INC.
State: MT
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am having major issues with Equifax fixing a split file. It would seem that my file is split, as I have removed the security freeze from my report, yet when creditors pull my report, it comes up empty or states there is a freeze and can not be pulled. They claim I have no freeze on my record. I have faxed them the correct documents at my cost 3 times now, and they claim they lost or can not read them. No one on the phone has any idea what to do or make claims that nothing is wrong. Something is definitely wrong with my report. I have called over 10 times now to resolve this issue and it is not getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 2020-10-01
Company: Mandarich Law Group, LLP
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received collection notice from mandarich law group. I have been paying on this debt for over a year. Over 50 % of the original debt is paid. Absolute resolutions reported a collection on both transunion and equifax. Never contacted me or sent me any debt verification letter. When I called they stated that they bought the debt in XXXX. In XXXX of XXXX, 2 years after the debt was purchased, they reported to both equifax and transunion. Will not send me any verification letter. Stated that this was a process that they just started implementing. Payments are current with no lapses. Balance is now {$930.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The below account has been submitted to a collection agency in error. I have contacted the original debtor to verify that it was submitted to XXXX XXXX XXXX XXXX as a mistake. I am attaching the corresponding letter from the original debtor XXXX XXXX XXXX for reference. This account has been submitted as a collection account on all three credit profiles. I have since contacted Equifax, XXXX, and XXXX to have this account removed, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: Collection Management Holdings, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This letter serves as my second warning before I take legal action against your company for its repeated failure to provide the requested information pertaining to alleged debts you claim I owe. I have previously requested validation of the following accounts : XXXX, XXXX, XXXX, and XXXX. To date, I have not received any response or the requested validation of these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Westlake Services, LLC
State: TN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX Prior loan from Westlake Financial that was charged off in XX/XX/XXXX, still shows a balance owed to thrm of {$1500.00} on my XXXX credit report. I discussed this issue with them in XX/XX/XXXX thru XX/XX/XXXX to get this mistake fixed and was told this charge off and balance would be removed due to car being sold at auction by them. Recently I applied for a personal bank loan and was denied due to this severely derogatory listing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: TX
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:
On XXXXXXXX  I submitted a dispute, using equifax online portal, regarding some inquiries that I did not authorize. The company is saying they verified these inquiries, but did not specify how they researched these unauthorized inquiries. These inquiries are damaging my credit file and they are not removing them as they should. These inquiries are unverifiable and they can not prove that these are mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a XXXX dollar charge from freeshipping -XXXX  that I do not recognize. I do not know what this charge is. It had been recurring. I tried to call numerous times and I am put on hold and nobody ever answers. I want all charges reversed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-19
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 purchased a new vehicle year XXXX  with XXXX,after having so much problems with the engine.i decided to give it back XXXX after 2years of paying the loan.i was fed up.The dealer where I purchased this vehicle has promised me to clearance of the loan with XXXX XXXX.for past three months I noticed a delinquency in my credit report.i have reached out to them many times.i have send letters debt validation letter.nothingIt’s hurting my credit bad.please help.thank you.

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
A few months before this issue I refinanced my loan from XXXX XXXX to Capital One. 

I sold my vehicle, the buyer gave me a cashiers check which was certified by Capital One for the amount remaining on the loan. 

The check was mailed overnight XX/XX/XXXX, and was accepted and posted as paid off on XX/XX/XXXX. 

I received power of attorney documents by Capital One on XX/XX/XXXX. The documents were filled out and mailed overnight on Friday XXXX XXXX. 

I waited a few weeks for it to come in the mail as it should have. On XXXX XXXX I called Capital One to inquire about the title. I was told there was some mix up and that they had the original title and were going to mail it to me and it would take 3-5 days to process, then it would be sent overnight via XXXX. 

After waiting until XXXX XXXX I called once again to find out what was going on. I was told that Capital One didn't have the title and was going to instead send me a lien release. 

XXXX XXXX I finally received a lien release, made an appointment with the DMV and went to have the title transferred to the buyer. DMV told me that the title they have on file does not list Capital One as the lien holder and would not accept Capital One 's letter. 

I contacted my previous lien holder ( XXXX XXXX ) to try and get a lien release directly from them. They told me that only Capital One could request the release letter because the loan was paid off by them ( When I refinanced a few months prior ). 

I again called Capital One to give them this information and was told once again that they were going to sort that out and mail me a new document. 

XXXX XXXX. Still haven't received anything from Capital One. I called again and requested to talk to someone higher up, I was transferred to a resolution specialist that told me that the paperwork hasn't been moved to the right department and that they are trying to " find '' the title. 

XXXX XXXX. I called the resolution specialist again to get an update. I was told that they " found '' the title and sent it out on this day. 

XX/XX/XXXX. After 10 weeks from the day it was paid off I still have not received anything from Capital One. I was never contacted about the issue by the company, I always had to call for information. This has put me into hardship, the amount of time i've spent from work going to the DMV and waiting hours to talk to a representative over the 20+ calls i've made to resolve the issue. The person who purchased the car has also suffered since they can not register or use it. 10 Weeks with no resolution or clear solution to the issue is absolutely unreasonable.

At this point I have been wronged by Capital One. I do not know what steps to take further to resolve this issue. I have exhausted every option on my end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Order placed with XXXX XXXX XXXX on XX/XX/2020 for item advertised as in-stock. Debit card charged for {$400.00}. Item not received. Tried to contact vendor who is unreachable. Please see complaints against XXXX XXXX XXXX on XXXX. 

Vendor claims on website that he is one man operation and Covid has slowed things down. So it took me awhile to realize that the item was not going to be delivered and that the vendor had scammed me. 

Filed dispute with BMO Harris. Ref # : XXXX Bank denied claim since I authorized the charge. I only authorized the charge if the vendor provided the item.

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