BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$31000.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$38.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; 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 2023-09-15
Company: Westlake Services, LLC
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Ok so my car was stolen in XXXX. There was some kind of mix up with the people at the insurance company ( My adjuster was terminated ) So it took a while to get a new one. In the process of all this going on I continued to make the payments. The insurance company called me in XXXX and stated that since it has been so long and the car has not been recovered they were going to go ahead and settle the claim. They sent the car company, American Car Center XXXX on XX/XX/XXXX, and asked that I allow 7-10 days for mailing. I called the car company and spoke with XXXX and XXXX, who advised that with what went on with the car, and the insurance is settling that I would be responsible for whatever the deductible is that they short the check by, which i believe was like XXXX. Meanwhile I was still making payments to them, and when I called to make the payment of XXXX, I was advised that it was XXXX plus because they deducted the payments that was made based on when the police report was made. I paid it on my XXXX and XXXX card. which i included in here. I was assured that it would be closed. I then called them today to discover that their accounts have been sold to westlake portfolio. No one can tell me anything other than the account is 46 days past due and when can I pay or I will be up for repo .... this was how we got here to the new complaint. I wake up this morning and now they are on my credit report. Marking me late hanging up the phone and giving me the run around. I don't owe them

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 2023-02-24
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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

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 2023-03-08
Company: Javitch, Block & Rathbone LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XXXX XXXX is trying to garnish my pay from my employment. This account is over XXXX XXXX XXXX. I didn't get a court date from them. They also take advantage of low income individuals. They use unscrupulous business tactics. The car lots they are in business with sell the consumers bad automobiles, they are predatory lending company, jack up prices so that the low income buyer can't afford to possibly pay off the car. The interest they charge for these loans are criminal. I use to try and pay my car note ahead of time. They accepted my money told me, that they take payments in advance and then repossessed my car for missing a car payment added on tow and other fees and made it impossible to get my vehicle back. I need help, I feel like they owe me money they are a horrible company and I would like to be added to any lawsuit filed against them. I am a victim of this predatory lending company. They need to be stopped.

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 2023-12-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My loan is with Select portfolio service.I fell behind on my mortgage at the begging of the year. in XXXX i had the money to pay the back payments so I called in and did so. after I made the 3 payments I was informed that the payments I made where to be credited words accelerated interest and would not count as payments therefor I was still considered in default. I applied for mortgage resistance with SPS hoping they would work with me. After wasting my time for months they denied me assistance but offered to honor the original note and send me a reinstatement quote with the accelerated interest removed. when I received the quote it still had the accelerated amounts on there. I requested a new quote, it came back at a lower amount that was still higher then expected I asked for an itemization of the amount and received no answer back for many weeks. The whole time my property was moving through the foreclosure process. When I received a notice of sale date I continually called trying to get an itemized reinstatement and received no answer. when I finally got someone to send me a quote it was once again the amount reflecting the accelerated interest and was not itemized. I have been going back and forth for weeks and still have not received the correct and itemized quote. Now mt sale date is a week away and they have said I will have the correct quote any day now. I feel as if their process is designed to waste time and move me into a worse position closer to the foreclosure date. I have tried ot contact the foreclosure attorney and have not received a call back. I have a willingness to pay this loan and I am unable to get a straight answer as to how much to pay or able to discuss this problem with a decision maker. I have run out of people to talk to over there and I still do not have an itemized reinstatement figure. I am willing and able to pay the missed payments I would like to but the penalties at the end or have them spread out over time but I cant do anything without a figure to work from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to Experian, XXXX and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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: U.S. BANCORP
State: WA
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:
I had a payday loan company by the name of XXXX deposit funds into my checking account, the deal was that I paid them back on that day and then they could loan me {$2000.00} because I then had a payment history with them. Needless to say, it was a scam and the deposits they made into my account got returned. The bank is saying it isn't their fault so there's nothing they can do. This has resulted in my account being overdrawn hundreds of dollars and they just won't do anything, I tried telling them about the company who pretends to be a legit company, they admitted they know it's a scam but still won't help me or do anything to protect consumers. I get that it's not the banks fault, but most fraud and banking issues aren't the banks " fault '' per say but they still have somewhat of a responsibility to handle things when their clients get scammed. I have reported the company to the REAL XXXX XXXX XXXX. I already have called, emailed and visited the bank in person and all I get is an attitude and told it's not their problem. This put me in a terrible spot where the little money I did have was taken and they just continue to put the account more in the negative every day that goes by. This has taken a minute because I sent the original complaint to the Comptroller of the Currency and apparently that was the wrong governing board for this issue. Please help, it is not ok for this to happen.

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 2021-02-04
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, I received a written communication about a debt from XXXX from the collector ERC stating that I owed {$360.00}. I explained that this debt was actually my deceased father 's debt, and that when I was acting as POA for him when he could not sign for himself that I was asked to sign in his place and the agent explained it was an account in my father 's name. I then explained how I had spoken to XXXX who said if I could prove my father 's death and when he was transferred from the service address to the XXXX home they would adjust the amount owing to be that date and that the bill would then fall below the threshold for any collection attempts I said I would provide them that information. I did submit via email the XXXX home records and death certificate for my father. Months ago. I hadn't heard anything again from XXXX ( and I have internet through them myself as well as cellular service ) that the debt was taken care of as promised. Then the ERC agent told me they would forward my dispute to their Dispute Team who would investigate the matter. I asked for a contact number for the team who would be handling the investigation and she told me " there is not a contact number they will be reaching out to you '' she repeated this when I explained I wanted to be able to follow up with that department and send them documentation of what was going on. I then asked to speak with a supervisor who then got on the line and told me the whole speal about this being an attempt to collect a debt ... I then asked for the same Dispute Team contact info and was told there is no dispute team and that the dispute goes back to the client. She got VERY upset when I told her they had lied to me and that it was fraud. I am absolutely disgusted by this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Subject : Urgent Request for Assistance : Unjust Closure of Capital One Credit Card Account Affecting Credit and Home Purchase Dear Consumer Financial Protection Bureau, I trust this message finds you well. I am writing to bring to your attention a critical matter involving the abrupt closure of my Capital One credit card account due to two returned payments. I am deeply concerned about the impact this incident may have on my credit profile and my ability to pursue a home purchase. 

At the age of XXXX, I am earnestly working towards building a secure financial foundation, and the unforeseen closure of my credit card account has presented significant challenges. I believe that the consequences, particularly at this early stage of my financial journey, may be unduly harsh. 

I seek your intervention to investigate this matter and request that Capital One reevaluates the decision, considering the potential ramifications on my creditworthiness and the defamation of character implications. My primary goal is to rectify this situation without any lasting impact on my credit record. 

Enclosed with this letter are pertinent documents, including account statements and related communication with Capital One, to provide a comprehensive understanding of the situation. 

I sincerely appreciate your prompt attention to this matter and kindly request your assistance in ensuring a fair resolution that does not adversely affect my credit standing. 

Thank you for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-04
Company: EQUIFAX, INC.
State: PA
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXXXXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXXXXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both XXXX XXXX and Experian regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX  XXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.

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 2018-08-11
Company: Tower Loan of Mississippi, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I took loan out with tower loan financial in XXXX they sent me check in mail. and I paid on this loan for almost year the first loan the amount was XXXX XXXX I had paid back. I had paid them paid down to XXXX XXXX then they called me in XXXX of XXXX ask me did I want more money this was the manger I said yes I took XXXX XXXX dollar loan out second time. he would not tell me how much I would pay back he just told me how much payment was it was XXXX dollars month. when I called back the next day he was already fired. I have pay XXXX back I paid on this loan until XX/XX/XXXX I started having trouble paying my bills am in hard ship right now am on buget plan I  single I have lost my mom and dad I no body halp me with bills. I have told them this in XXXX and XXXX to drop the payment down so I could pay XXXX dollars month. I talk to the new manger this she said no she said was going take me to court and get lien put on my house because I have it up for sale .they would not work with me no way. they call all hours of the day on my house phone and and on my cell phone and they have been to my house I told them I was not going to pay them I didn't have I would pay the balance off when I sold my house. but they are still calling what can I do they told me they where going to take my ssi and ssa check away from me.

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 2022-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
During the pandemic, in XXXX, I was in need of deferment. I had held my mortgage with XXXX XXXX XXXX since XXXX and had never had any missed or late payments. Upon request, they did offer deferment on my mortgage for six months. In XXXX, XXXX, I attempted to pay the deferred amount and brought my mortgage current with a payment of more than nine thousand dollars. 

At this time, since I made the payment, I believed the deferment was paid in full. Recently, I noticed an amount of XXXX on my statement noted as a " deferred '' balance. Several weeks ago, I contacted XXXX XXXX XXXXXXXX XXXX  XXXX, explained my concerns. I was told the deferred amount was not paid in full as they applied the payment to principle, deferments can't be paid until the loan is paid in full, it's placed on the back end, not earning interest and not including in my balance. 

I also inquired as to why they are reporting XXXX as included in balance to the credit bureau as my balance is XXXX per XXXX XXXX XXXXXXXX, but they are reporting a balance of XXXX to the credit bureau 's. XXXX XXXX XXXX game me a case number # XXXX and stated the issue will be corrected within ten days, but it has not been corrected. 

I have filed disputes with both Trans Union and XXXX regarding my balance. They both conducted investigations. The results are per XXXX XXXX XXXX the balance is reported accurately. 

XXXX XXXX XXXXXXXX is in violation of the Fair Credit Reporting Act. This issue is reducing my credit score and needs to be corrected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2500.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2019 Balance : {$11000.00}

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