BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-12
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX my mortgage was sold to Loancare, it has been a mess ever since. My home owners insurance was not getting paid out of my escrow I began getting notices from my insurance company starting XX/XX/XXXX, being nave I thought it would clear up and with all of the changes it would get paid within the allotted time, I got a second notice the following month so I took action and continued to call Loancare to force their hand in paying. After being lied to about the payment being overnighted I had to call over and over finally the payment was overnighted and received by my insurance on XX/XX/XXXX. They have over drawn on my escrow account because instead of paying my insurance when it was supposed to be paid, they paid my taxes in XX/XX/XXXX that were n't due until XX/XX/XXXX. 
I am currently battling with them to process my house payment that was due XX/XX/XXXX and I paid it through my bill pay on XX/XX/XXXX which was an electronic payment and slotted to get to the mortgage company by XX/XX/XXXX, my late fees will begin on XX/XX/XXXX. I called Loancare on XX/XX/XXXX and they told me they never got it, so I called my bank and they confirmed that the money was transferred to the correct place. My bank has sent over all of the information to Loancare and now I am waiting for this to get straightened out. Late fees are not an option when I paid on time and I can prove it with bank statements. 
Loancare is almost impossible to get through to, and when you finally get through they tend to hang up on you or blatantly lie to 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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-11-17
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is refusing to remove a collection item from my Experian Credit Report in the amount of {$43000.00} for a debt which was cancelled by XXXX XXXX XXXX in XX/XX/XXXX. The cancellation letter clearly states that XXXX XXXX is relieving me from the debt. Multiple disputes have been filed in the months of XXXX and XX/XX/XXXX with Experian and XXXX XXXX XXXX still claims the reported item is accurate. I need this item to be removed from my credit report as the debt was forgiven by XXXX XXXX XXXX who is the original vendor. all objective evidence is attached.

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 2019-07-24
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Kia Motor Finance had an advertised finance special of {$1500.00} cash back and 2.9 % interest for 60 months with no down payment required. On XX/XX/XXXX, I purchased a 2020 XXXX XXXX from XXXX XXXX in XXXX, TX. The credit report showed that my score was at least an XXXX but I didn't receive the advertised interest rate, the rate I received was 3.9 %. When I questioned the general manager ( XXXX XXXX ) which is who processed my application his response was they just put the information in the computer and that's what it showed on Kia Motor Finance. I called back on XX/XX/XXXX to see if he could provide any explanation as to why I didn't qualify for the advertised rate was told he would reach out to Kia Motor Finance but I haven't heard anything back as of XX/XX/XXXX. On XX/XX/XXXX I contacted Kia Motor Finance to see if they could provide an explanation for me not getting the advertised rate and the response received is that it is up to the dealer ( manually inputted ) and any correction would have to come from the dealer through an updated contract. On XX/XX/XXXX I called the dealer back to follow up on my request for an explanation for the rate I received but haven't heard anything back. Know one seems to know and each side is saying it was out of their hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: EQUIFAX, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Equifax has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Equifax, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Reliant Capital Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 To whom it may concern : I need your agencys assistance, yesterday I received a bill in the mail from a XXXX XXXX XXXX XXXX, and this debt collector is charging me for a fraudulent debt that I do not owe. 

They are claiming that as of XX/XX/2019, I owe a balance of {$270.00} to a XXXX XXXX XXXX   University, and their claims are totally false, as well as fraudulent. 

I have no outstanding educational debts what so ever, and I want this collection agency to remove this fraudulent debt off of any fraudulent file that they have created in my name, and I also want them to remove any false fraudulent information that they have placed on my credit files. 

I dont owe this debt, and I am not paying this collection agency, a dime, and I am writing your agency so that you can also investigate as to whether this collection agency is also billing others for fraudulent school debts. 

I want something in writing from this collection agency showing that this bogus debt has been removed from their files, as well as from my credit files, immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-15
Company: Midwest Recovery Systems
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017 -- {$440.00} I received an email that something was added to my credit report. so, I logged my CR and this company added this collection. I disputed it and they sent me a validation letter on XX/XX/2017 with amount owed {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: SYNCHRONY FINANCIAL
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: Old information reappears or never goes away

Complaint:
XXXX XXXX  charged off a XXXX XXXX XXXX account over 5 years ago, did a XXXX and have told me multiple times on the phone this account has been closed. 
I filed a XXXX complaint earlyier this year and then my account suddenly shows up again on my credit report saying I had a outstanding balance and my account is in a late status. This reduced my credit score by over 30 pts  and caused me to not be able to refi on a property. Please help has I called them and was told I deserved it and was hung up on twice. I was also told twice that this should not be on my credit report and they would remove it. XXXX  told me that they can report however they want and I have no right to dispute.

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 2018-11-17
Company: AMERICAN HONDA FINANCE CORP
State: UT
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 a big problem with XXXX XXXX and Honda financial, as you see below, I opened a ticker with Customer Services at XXXX XX/XX/2018, because I didnt receive any statement to pay my lease auto, after to discuss many times with sell representative, by Text message multiples times, nobody from Honda is helping to fix this issue, right my credit score info is affected due this late payment occurred in XX/XX/XXXX. Due this problem I cant get a loan to buy my home here at Utah, currently my lease apartment contract is cancelled to next XX/XX/XXXX The contract info about my lease are OK, address, email, phone. But when I tried to pay lease online, calling to Honda Financial as well, nobody there help me, because my SSN and Address was wrong into their system. 

This was not a problem with money into my Banck account, because I can show my statement bank at date mentioned, XX/XX/18, also they charged a late payment fee on XX/XX/18 and after one month calling everyday and bother all days to Seller Representative, one people of XXXX XXXX system ask me about my personal info trying to help me, and his discover my address are not OK and my Social Security Number was not linked with my Honda account number, after to fix that on XX/XX/18, I pay XXXX USD and setting autopayment since that date until today. 

Also a ticket os Customer Services opened at XX/XX/2018 was opened with them to investigate the issues trying to fix for any future inconvenience. 

Yesterday a Agent on call confirm the mistake about the address was wrong submitted, but they insist to check the contract info to be clear, all the contract info was fine always, but nobody call me after to get the lease, no receive any letter. Please request all that info and track the letter send by them or recording calls. 

At the same time, by XXXX XXXX app, the dispute about this issue was opened, receiving good news at XX/XX/XXXX, indicating the following result Item Results Result : Disputed Information Updated And Other Information Updated - The item you were disputing has been updated, and there have also been some updates to your account info. Youll see all of these changes on your report. 
Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The payment history/rating is incorrect. 

At this time, XXXX have my credit report totally different than, XXXX and XXXX, affecting my process to buy home, also two more dispute were opened with them trying to fix, but only was change the date about the error with the late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-24
Company: Equitable Acceptance Corp
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I was initially contacted by XXXX XXXX in Fall 2016. Equitable Acceptance has partnership with XXXX XXXX/XXXX XXXX. These corporations are scam companies " dealers '' for Equitable Acceptance. XXXX XXXX XXXX calls individuals and present a con/scam that they can enroll students in a special student loan repayment program. These corporations inform students that they qualify for loan forgiveness program and much lower monthly payments to their lenders ; which would ensure less payment out of student 's pocket and more loan being paid off/forgiven by the government. These corporations inform that the offer is only provided through their enrollment and the program enrollment will be ending soon. These corporations charge a fee for this service, in my case it was {$1800.00} in monthly direct debit amount of {$30.00} from my bank account. But these corporations convince students this is a great deal compared to how much they will save you from paying back to loan lender. Once an individual agrees to enroll in their scam program, they are connected to Equitable Acceptance to set up payment plan for their {$1800.00} document processing fee etc. Unfortunately, I fell for their scam. The documents are actually available FREE on department of education website, that students can complete themselves for no charge. These corporations were submitting false documents on my behalf indicating that my annual income is lower than it actually is. I never qualified for any of the programs that would result in student loans being forgiven. It only ended up costing me {$1800.00} and additional length on my student loan re-pay since they enrolled me in extremely low payback program. I want these evil scammers taking advantage of vulnerable students to stand trial for their crimes and be incarcerated. This scam needs to stop! I don't expect to see my {$1800.00} again as they are a fraudulent ponzi-scheme company. But I don't want them to continue in business getting rich off poor working students and ripping of Department of Education at same time if they continue enrolling individuals in re-payment programs that they don't qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: Experian Information Solutions Inc.
State: MN
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:
I have asked Experian to remove address : " XXXX XXXX XXXX, XXXX, GA XXXX '' from my credit file on several occasions. They haven't removed it. I cant dispute it online because it says " Major Financial Corporation '' is reporting this address, but when I asked them, they said they have never reported that address. They are reporting my XXXX XXXX XXXX, XXXX XXXX, MN XXXX address as of XX/XX/2019. I know they are accurate, because when I check my account with them, that is the only address they have.

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 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hi, My account is blocked due to identity verification which not allows me to sell or buy any virtual currency. I can not do anything on my account on coinbase since it keeps asking me to verify my identification. I already submitted my driver license and it got accepted. However, coinbase still requires me to complete the personal information which I had tried to complete with my information but it kept saying that " could n't verify my account, try again in the next 24 hours ''. Also, the quiz question made no sense and not related with me. For example, the quiz gave me a list of cities and asked me what city that had XXXX XXXX How do I suppose to know what city has XXXX XXXX? And why coinbase used this kind of question to verify my identification when there was nothing relate with me. And since coinbase kept asking me to try again in the next 24 hours ; in another word, coinbase locked me from performing any activities on my account, including but not limited to, selling, buying, withdrawing, etc. I currently have {$6500.00} in the account and all I want is my money back. I do n't want to do business with Coinbase anymore. Please help me! {$6500.00} is a big money for me, I just want my money to pay for my tuition fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: EQUIFAX, INC.
State: KS
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 RECENTLY ORDERED COPIES OF MY CREDIT REPORTS AND DISCOVERED NUMEROUS ACCOUNT INQURIES THAT DID NOT BELONG TO ME, WHICH MEANS I AM NOT THE ONE WHO OPENED OR AUTHORIZED ANYONE ELSE TO OPEN THESE ACCOUNTS. I AM A VICTIM OF IDENTITY THEFT. 

CREDITOR INQURIES DATE OF INQURY XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: Continental Finance Company, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I settled an account to satisfaction. I ask the creditor to remove it from all 3 Bureuas. after it was settled. they refuse to. please help me with this matter.Thanks.

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 2018-04-08
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, after viewing my credit reports, I contacted all 3 credit bureaus to inform them there was fraudulent activity on my credit report ( addresses and inquiries ). I mailed and faxed copies of my ID, social security card, FTC Affidavit and a letter asking them to remove the fraudulent information. I clearly stated that I was a victim of identity theft. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX reported a collection account to my credit matching one of the addresses previously reported on the FTC Affidavit. 

I contacted each bureau to inform them of the fraudulent account and sent an updated copy of the FTC Affidavit including the account with XXXX XXXX XXXX XXXX. 

As of XX/XX/XXXX, XXXX XXXX XXXX XXXX reports as a valid collection. It does not show it being in dispute nor was it blocked pursuant to 15 U.S. Code 1681c-2. 

So far, the credit bureaus have violated the following : 1. 15 U.S. Code 1681c1 ( A ) and ( B ) and, 2. 15 U.S. Code 1681c-2

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
This item was to be removed per an error in credit reporting. We submitted a complaint a couple months back that was not resolved satisfactorily. There was never any documentation proving that this item was added in line with FCRA regulations.

Company response to consumer: Closed with explanation