BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: VW Credit
State: SC
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:
I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX, part of XXXX XXXX XXXX, on XXXX XXXX XXXX. I explained that I was in the process of moving from the XXXX area to XXXX XXXX. The salesman, XXXX XXXX, told us that would not be a problem. I took possession of the car, paid the XXXX  sales tax and was promised the dealer 's finance and title department representatives, XXXX XXXX and XXXX XXXX, would process the paperwork. It 's now been three months since the sale. I initially borrowed {$10000.00} which was paid off in full through their financing branch a month after the purchase. ( see attachment ). I 've paid all the applicable XXXX taxes and sent copies of the paid tax receipts to the individuals above. I 'm a XXXX XXXX resident and have sent a copy of my driver 's license for that state to XXXX along with all the other paper work they 've requested. Despite these efforts, I do not have a valid registration for the car nor do I have a title despite the car being paid off in full. The State of XXXX still has no record of my XXXX being registered. I can not register the car and I do not have a title despite paying off the loan if full. The car is not legal to drive since XXXX will not provide temporary tags beyond 60 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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:
On XX/XX/XXXX, a bankruptcy once listed on my account was deleted due to inaccurate reporting ( Supporting document # XXXX XXXX. After the deletion of this item, several accounts started to report inaccurately. Also, many disputes would not update after the investigation was completed. All the disputes would say " Consumer Disputes - Reinvestigation in Process, '' Although I did not have an active dispute. I disputed the " comments '' ; however, the final results states that the explanation previously attached to this account has been deleted, but my report would not update ( Supporting document # XXXX XXXX. Since the report would not update, I would have to dispute the comments repeatedly, just for the issue to reoccur again. The accounts that have not been updated and that I have to keep disputing are XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. Since the comments would not come off, I disputed that they are reporting as open on my account when they should be closed and listed as XXXX. No updates or corrections were made. Equifax disputed the accounts again to have the comments removed. 


I disputed the XXXX  XXXX XXXX account on my report since it reflected as XXXX days past due, a past due amount of {$210.00} ( supporting document # XXXX ). XXXX  XXXX XXXX was listed in Bankruptcy and should not be reflecting as past due. On XX/XX/XXXX, XXXX  XXXX XXXX updated my report, removing the incorrect information ( supporting document # XXXX XXXX. However, the report stated in the additional information that " Consumer Disputes this account information, A temporary update freeze on file, collection account. '' I once again submitted a dispute to have the account comments removed. This time, XXXX XXXX  XXXX XXXX account reports late 60-80 days past due XX/XX/XXXX. Balance amount of {$1700.00}. I spoke with XXXX  XXXX XXXX, and they state that they updated Equifax that my account is XXXX and did not give them any information that the account was behind since it has been closed since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: EQUIFAX, INC.
State: AL
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 previously notified you that my car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine. These inquires listed on the identity theft report is not factual and is actually FRAUD. Please delete this information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: Global Credit & Collection Corporation
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I have received multiple threatening phone calls from Global Collection Agency. The first one said that they are a law office and a civil grievance has been placed against me and if i do not respond immediately then i will be taken sued.Then I had another call come in saying they are going to place an order of location with XXXX XXXX and contact my employer over voicemail. I called back the number the person " XXXX XXXX left ''. The lady just answers as " legal department '' and I asked more information about company and the lady was very rude. No one told me why i am supposedly being sued, I didn't give out any of my personal information because i felt like this was a scam. I asked which state and county she represented for my " case '' and she said all states and counties. I searched with my county the case number they gave me and i told them it was fake and that this was a scam and to do not contact me again. She said " whatever lady we will see you in court '' and then hung up phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM VICTIM OF AN IDENTITY THEFT, THE XXXX XXXX XXXX ACCOUNT IS FRAUDULENT AND NOT MINE, THE CHARGES AND THE LATE NEGATIVE REPORTING IS ALSO FRAUDULENT AND NOT MINE. PLEASE UNDERSTAND MY REQUEST AND REMOVE THIS FRAUDULENT ITEM FROM MY CREDIT RPEORT, PROFILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2018-10-07
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credence Resource Management is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I contacted my mortgage company approximately XXXX of XXXX to state that I had noticed I was being charged for private mortgage insurance ( PMI ) when I received my 1098, even though my principal owed was below the required threshold. They indicated that they would be removing it from my loan at that time. This year, I have received my 1098 from them and observed that I am still paying PMI and my payments would be increasing according to my statement. This is only noticeable when these statements are sent out at the end of the year because throughout the year, these items are not discernible, due to the fact they are all inclusive and listed solely as " Tax & Insurance '' in the monthly statement. I have since contacted them again on XX/XX/XXXX to dispute my need for PMI and was told I would be receiving something in the mail in the next 10 business days but they didn't know why I was being charged.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been working so many time with the Credit Bureau about identity fraud on all three of my credit report summary. TransUnion, XXXX, and XXXX have on my credit report that I was an victim of identity fraud, but I have alerts coming to my email address to let me know that someone have use my Social Security number. The creditors should be calling me to verify that I 'm the person that is making the inquiry on my credit report. I never receive a call from the creditors about opening up new credit or etc. I have been calling the Credit Bureau about taking the inquiries off my credit report, but every time I talk to a rep the issue never get resolve. All three credit bureau on an police report on file about me being an victim of identity fraud. I need the following hard inquiries off my credit report, because of identity fraud : XXXX : XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX XXXX ( XXXX/XXXX/XXXX ), and 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 ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

TransUnion : XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX/XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX ( XXXX/XXXX/XXXX ), XXXX XXXX XXXX XXXX/XXXX/XXXX ), XXXX ( XXXX/XXXX/XXXX ), and XXXX XXXX ( XXXX/XXXX/XXXX ). 

Need to have these items removed off my credit report or I will file a lawsuit all three credit bureau for not following through with a victim for preventing identity 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 2020-06-05
Company: Experian Information Solutions Inc.
State: NV
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 received a copy of my credit report with Experian. I sent them written proof that the following creditors did not report " dispute in progress '' on my credit report during the time of dispute. The creditors were XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. I sent them certified letters multiple times with the before and after credit reports. I also sent written proof about XXXX XXXX having a non deliverable address which is a violation of the FCRA. None of these above mentioned accounts have reported accurate information. Experian notified me that they would not investigate further and provided no written documentation. Because of that all of these inaccurate accounts should be 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 2020-06-05
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 the company account resolution services contacted me about a debt that is not mine for {$1600.00} I have no clue about this debt and would like it to be took it off my credit score

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 2020-06-05
Company: DISCOVER BANK
State: CA
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:
Discover is fraudulently collecting late fees on my payments. 
I keep paying on the due date, and Discover keeps collecting late fees EVERY TIME I PAY ON TIME!!!!! 

I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum on XX/XX/2020 ( the due date ) and got charged a fee for " paying late ''. 
I have paid the minimum today XX/XX/2020 ( the due date ) and will likely get charged a fee for " paying late ''. 

Discover needs to refund all the late fees associated with payments on XX/XX/2020, XX/XX/2020 and XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Capital One is blocking me from viewing my balance and transactions in third party apps and programs. I have a right to view this information in a manner that I deem helpful, such as within an app like XXXX or XXXX that helps me track budgets and transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Village Capital & Investment LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Village Capital and Investment Co Is trying to increase my mortgage on my account because of escrow account being low. However, they are using numbers that are not accurate because my mayor of XXXX, TX is suing my County Tax Assessor and her chief appraiser to reduce the taxes because of covid 19. Also according to FHA they are not allowed to do that due to this pandemic as of XX/XX/2020. I am being discriminated against by my mortgage company Village Capital and investments because every year they keep trying to increase my mortgage due to escrow shortages for county taxes. They are trying to increase my mortgage in the middle  of the year. When they all and well know that we dispute our taxes all the time and most likely it will go down as they do every year. My Mortgage company is not willing to work with me to come up with an option that I agree. They only gave me two options that are in their favor and not mine none of which I could afford. They wanted me to due a forberence on the increased mortgage as well which I can't afford so its also not in my favor. I need the mortgage to stay the same at XXXX. That is the only option I can agree with or go down. 

https : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XXXX XXXX, XXXX XXXX XXXX U.S. Bank Prepaid Operations Card Services XXXX XXXX XXXX XXXX XXXX. 
XXXX, MN XXXX Dear XXXX XXXX : I am writing you in regard to yet another complaint I have filed with the Consumer Financial Protection Bureau ( CFPB ), Complaint ID XXXX. I filed this complaint because yet again the 1-2-3 Rewards Card decided to make up another restriction as reason to not release a transaction from XXXX XXXX, XXXX. It was another hold on my account, this time for $ XXXXand it was immediately released the morning of XXXX XXXX, XXXX upon checkout. In your response to my complaint ID XXXX from XXXX XXXX, XXXX you mention that a way to expedite the release I have the option of sending in a fax with the answers to the questions required in said fax. Most importantly, however, you fail to mention that there is a restriction to this kind of procedurein that only one is allowed every 30 days. This restriction is not mentioned anywhere in your cardholder agreement. The supervisor I spoke with yesterday agreed that this was the case and apologized for this, but failed to release my funds. I believe that my funds should be immediately released back to my account since this restriction is not listed anywhere in my cardholder agreement or was mentioned by you in your letter to me and any customer service representative I have spoken with when I used this procedure for my first transaction. What you are doing is illegal. And I will be taking legal action against this. Thank you, XXXX XXXX I UNDERSTAND THE COMPANYS RESPONSE TO MY COMPLAINT

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 2020-06-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
I purchased a vehicle new @ XXXX XXXX Nissan, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( Nissan Motor Acceptance Corp ) NMAC repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is FALSE. NMAC is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 Nissans prior to this purchase. My previous Nissan, also purchased new, had to have the transmission replaced TWICE! Nissan makes a XXXXXXXX product and expects you to pay for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2017, which I did not make. I have this police report where I stated that I lost my phone where I stored my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX XXXX XXXX, XXXX XXXX, and Discover Financial. The Account Opened is XXXX XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$410.00}. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. The Account Opened is Discover Financial Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
1. XXXX XXXX 2. XXXX XXXX XXXX 3XXXX XXXX XXXX 4.US XXXXXXXX XXXX NJ XXXX All four of these accounts are on my experian credit report and do not belong to me this is a mixed file

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 2021-03-30
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to bull city financial which was received on XX/XX/21 asking for specific documentation including contracts and/or lease agreement baring my signature and any other relevant documentation as proof that this third party company has the legal right to collect not just to verify whether or not the accounts in question belong to me or not. In the process bull city financial sent me an itemized bill with dates amounts and procedures without a signed hipaa release form. I believe that my rights have been violated. Including but not limited to never receiving a notice of intend to collect or proof a notice was sent as required under 1692g, not using the proper procedure to legally verify debt by requested the original creditor send the requested validation documentation instead Bull City Financial sent to me directly disclosing this company as possession and/or direct first hand knowledge of PHI, possibly illegal practice of passive collections ( parking )

Company response to consumer: Closed with explanation