BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-05
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On the weekend of XX/XX/XXXX I went about unlocking my credit freeze so I could refinance our home. I had the PIN for credit, but the agencies didn't want it and I successfully lifted 2 freezes, but with Equifax apparently I answered a question incorrectly. Their computer phone system seemed glitchy and kept interrupting itself. I called them and go no where, except being told to mail or fax my ID etc and it would take 5-7 business days to process that, which I said was too slow, but they didn't change their position. I finally faxed the info to them XX/XX/XXXX, and have not gotten any confirmation that they received it ( other than my fax machine said they did ). I've called today and they said if they did receive it it's not processed. I thought they had to lift my freeze within 1 hour of my request. This 5-7 business day delay is jeapordizing my refinance and stressing me and my patience. Yet the mortgage lenders say they need all 3 credit reports before they can even determine the details of my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
They closed my account without any explanation, a few days later they returned my payment and said it was no good. I have bank statements that say otherwise. After numerous calls finally just decided to pay it off and made 1 large payment, went through just fine. Then paid the balance the next month and again plenty of money in the account and they refunded the payment and charged me {$75.00} in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
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've disputed this account before and it was removed then put back on my credit. I called this company to show proof of the account being mine like providing a signed contract with my signature.

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 2019-11-05
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, I applied for a loan modification with my current lender, LoanCare LLC ( also referred to as XXXX XXXX XXXX ) to reduce my monthly mortgage payments after a car accident and other medical issues. On XX/XX/XXXX, I received a letter from LoanCare, dated XX/XX/XXXX, stating that it would offer me a Trial Payment Plan for three months from XX/XX/XXXX to XX/XX/XXXX. However, this offer only reduces my mortgage payment by {$66.00} a month. It does not provide any proposed terms such as the interest rate, whether the interest rate will be fixed or variable, and whether there is any option for a lower payment after the trial period. The interest rate could go up substantially after the trial period. It also contains language that makes me vulnerable to foreclosure. For instance, on Page 3 of the letter, it states that " Our acceptance and posting of your payment during the Trial Period Plan will not be deemed a waiver of the acceleration of your loan and related activities, including the right to resume or continue foreclosure, and shall not constitute a cure of your mortgage default unless such payments are sufficient to completely cure the default. '' LoanCare also states in its letter that I was not eligible for the " 40001-Repayment Plan because the borrower has negative surplus income which is not sufficient to bring the mortgage current. '' I feel pressured to accept the plan since LoanCare can accelerate foreclosure if I do not accept the Trial Period Plan, However, the minimal savings of {$66.00} per month does not give me sufficient financial relief as a struggling single parent with health issues. In summary, I feel that the proposed trial plan is a deliberate set up for failure.

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 2021-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
I sent an investigation request to TransUnion because the XXXX ACCOUNT is reporting inaccurately. I've sent over 5 letters and haven't received a response or proof that an investigation was conducted. I'm looking to refinance my home soon and this inaccurate information is hurting my credit.

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 2021-09-02
Company: HYUNDAI CAPITAL AMERICA
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:
Hyundai has ignored my request for validation. 

Please provide the following proof accordance with the Uniform Commercial Code : The Notice of Reinstatement letter with the return signature receipt that would have given me the ability to buy back the vehicle. This needed to be sent to me within 5 days the car was repossessed with the fees and late payment amount.

The Notice of Sale when you put the vehicle up for auction. The Notice of Deficiency letter/ Post Sale Notice with fee details after 10 days of the vehicle sale date. The original signed contact from the original creditor.
Effect of errors or omissions.

Under the laws of the State of Florida, Uniform Commercial Code Chapter 670 - 680 and State RISA and MVISA statutes a deficiency can not be claimed unless all the required notices were properly and timely given, and all the allowable redemption and cure time limits were adhered to.

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 2023-02-12
Company: NEW YORK COMMUNITY BANCORP INC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After about 100 phone calls trying to resolve and re-instate my homeowners insurance. Flagstar through a combination of negligence and incompetence failed to make payment on my homeowners insurance. After claiming they sent payment to re-instate- it did not go to the right address apparently. Flagstar charged me for 8 months of their homeowners insurance which cost over 3x the rate and does not cover anything other than the dwelling. Multiple phone calls, they admitted error. When trying to call continuously got pushed around to wrong departments. Ive tried to get back in touch multiple times and have been on hold over 2 hours multiple times. Claimed a supervisor will call me back 5x but has yet to do so. Please help- this feels criminal and I feel unable to resolve w Flagstar. Theyve had over XXXX of mine for years now which has caused financial hardship. Thank you very much. Apologies for being frustrated. 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 2023-04-10
Company: EQUIFAX, INC.
State: MD
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:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the two Bureaus, XXXX, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting that Equifax, XXXX XXXX, and XXXX delete XXXX XXXX/XXXX account ending in # XXXX and XXXX/XXXX   account ending in # XXXX from my credit report due to inaccuary, because it was deleted from my XXXX, XXXX, and XXXX credit report. Please remove these accounts under the FCRA that it is not accurate or verifiable. Under section 609 of the fair credit reporting act if they can not be verified as accurate or have proof of the validation of debt it must be removed from my credit profile. Equifax, XXXX XXXX or XXXX XXXX has not provided me with a sign contract or anything with my signature validating this debt. Under the FCRA I have the right to sue Equifax, XXXX XXXX and XXXX  XXXX due to violating under the FCRA. Please delete these accounts so no further action can be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: Experian Information Solutions Inc.
State: LA
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 submitted a dispute with Experian XXXX of XXXX. They responded back that it was suspicious. How are they able to come to this conclusion? What method are they using? Im not sure if its a stall tactic or they think my credit isnt serious enough for them to investigate but I have exhausted all options. I do have the right to dispute inaccurate information on my credit reports right? Because as I was looking over my reports because Im in the process of trying to buy a home I noticed several inaccuracies. Can you take a look at this for me please. 

1 XXXX XXXX XXXX XXXX, # XXXX I have never done business with nor have I been contacted by this company. Please remove these accounts. 

2 XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX, # XXXX I read in the Louisiana debt collector laws that a debt collector has to be licensed to collect debts in this state. Is that correct? After looking more into this I learned that XXXX XXXX XXXX are operating with an inactive license. Is this legal? Please remove these accounts. 

3. XXXX XXXX XXXX XXXX XXXX Ive reached out to this company seeking debt validation. I got no response. Clearly this debt is unverifiable. Please remove. 

4. XXXX XXXX XXXX XXXX # XXXX The opened date, payment status and balance are all incorrect. 

5. XXXX XXXX # XXXX This account as well as XXXX ARE ATTEMPTING TO COLLECT THIS DEBT. How is that possible? Please remove.

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 2023-05-28
Company: Experian Information Solutions Inc.
State: FL
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:
I am submitting this Complaint regarding the fraudulent information I found on my credit report. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
Below is the list of the fraudulent items I found on my XXXX report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$17000.00} I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.

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 2022-02-21
Company: Dovenmuehle Mortgage, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
EMERGENCY TAKING MY PROPERTYXXXX XXXX SHERIFF! The title was based off a forgery, plain s day. She fled the country, after getting paid {$5000.00} from XXXX XXXX ALL the others fled too. It's my home, land that I PAID TOWARDS FOR 44 YEARS!!!!!!!!! ON A VERY LOW SECRETARY Salary BOUGHT THE LAND IN XXXX IN MY SINGLE NAMEE?!!! AS. SINGE PERSON WITH CHILD FROM A XXXX! TOLD DAD TO GO AWAY AND HE DID. NO CHILD SUPPORT NO STATE Support BACK THEN. I DIDNT ASK FOR IT.!! THE.N THE SAME GUY THAT RECENTLY STOLE MY HOME WITH FORGER FROM HIS WORK, STOLE THE STATES CATCHUP CHILD SUPORT FROM THE OTHER GUYS XXXX!! I BUILT TWO HOMES ON MY LAND, BY THEN I HAD A STRONG BUSINESS.. HE ARSONED MY FIRST VERY VERY SPECIAL ONE, ( HE MADE HUGE FRAUD DEAL WITH MY SINGLE NAME MORTGAGE BANK!! TO HARM ME! THE BaNK WAS ALSO MY 1099 EMPLOYER!!

They re RIGHT NOW FINISHING STEALING MY HOME. THE DEAL HE MADE WAS TO PRETEND I OWED THEM MONEY ( I PROVED 7 TIMES OVER I DIDNT ). BUT THT COMPANY NEEDED TO DO THAT TO ME TO STEAL XXXX!! SEE XXXX  historic chart! See huge hump in volume! That's the tax fraud!!! SEE CASE XXXX XXXX they pretended it was a mistake, but it wasn't, BUT THEY dismissed it WITHOUT PREJUDICE!! SO TOOK IT OFF ON THEIR TAXES GIVING THEM {$6.00} BILLION IN TAX ASSET!!!! WORSE FOR ME IS THEY COULD COME BACK AND CHARGE ME WITH THE {$14.00} BILLION!! LOOK AT LONG Term CHART OF XXXX  YOU WILL SEE THE VOLUME HUGE HumP. THATS ME! FROM my tiny good business Iin the country they stole. I LIVED & WORKED IN THE COUNTRY FOR 36 YEARS!!! THEY STOLE both my Hnew homes that I paid for! They stole THROUGH FORGERY, PAID OFF TITLE PEOPLE. XXXX XXXX AND THE XXXX XXXX BOTH CLOSED RIGHT AFTER THEIR FRAUDS!!!! So ALL 9 FLED RIGHT aWAY, at least one out of the country! BUT SOME CAME BACK!! HE TRIED XXXX ME A DOZEN TIMES! AFTER HE DID THIS!? ALSO IS XXXX CAR TRUCK CIRCLING, XXXX ME, trying to it me in a vulnerable position. Everyone is afraid of him, he is a monster. AND MY LIFE IS IN DANGER. ALSO TRIED TO PRETEND I DID FORGERY ( LIE ) TO COVER UP HIS FORGERY! HE PAID OFF COPS ETC. HE THE MORTGAGE COMPANY CLOSER FLED THE STATE TO INDIANA, SHE DID NOT COME BACK BUT I KNOW WHERE SHE IS IF YOU CAN Arrest HER TOO.. THE TITLE BASED ON PLAIN A S DAY FORGERY, PROFESSIONAL FORGER DONE AOT, XXXX XXXX, BUT SHE PRACTICED MY XXXX Signature ON. XXXX DEED! AND MY NEW LICENSE SIGNATURE WAS THE DAY BEFORE! SO CAN COMPARE AND SEE ( I CHANGE MY SIGNATURE PERIODICALLY NOW BUT ITS Clear AS DAY FORGERY MORE STARKLY NOW. I have tons of evidence. Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-13
Company: OPORTUN FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a payday loan with Oportun in XXXX XXXX, CA off XXXX XXXX. The friends and family used as references are being harassed despite their attempts to demand that representatives stop calling them. When representatives call they are divulging that I am late on my loan payment and want them to provide information on my whereabouts, along with passing along their message. Despite telling them to stop on a recorded line, walking into the office to speaking directly with a teller and sending a C & D in writing they wilfully persist. It is impossible to get them to stop constant harassing calls to me and my family/friends. They have humiliated me beyond human imagination. They call from different telephone numbers and have even contacted my employers to further damage my character. This was the worse loan processor I 've ever dealt with and it seems that a {$500.00} is never going to be repaid with the interest that has been tacked on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-05
Company: Rausch, Sturm, Israel, Enerson & Hornik, LLP
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I received a letter from a third party mediator informing me that I was about to receive a court summons for a civil suit against me for defaulting on a credit card from XXXX XXXX. I called the bank. They told me they no longer handle this debt and gave me the contact information for a collection agency, Rausch Sturm, located in XXXX, Wisconsin. I called this agency and spoke to an agent. I am XXXX and my sole source of income is Social Security Disability. I told them that it is against Federal Law for a private debtor to garnish or levy a persons Social Security Income. It is against the law to garnish or levy a persons bank account to which Social Security is directly deposited. Even in the case of a court judgment. I offered a small monthly payment arrangement, but they wanted a higher payment that I can not afford. I have a financial hardship, and need money for basic necessities and my prescription medications. They said they did not care, and unless I paid them {$46.00} per month for four years, they would continue court proceedings. They said their goal was to obtain a judgment in court to garnish my Social Security income. I believe this threat is a violation of Fair Credit Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Atlanticus Services Corporation
State: DC
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:
Fortiva had my correct address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
They decided to change it this month to a false address which was : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is false. 

They credit agency and irs contacted me to notify me of what they did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: IL
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:
I did not initiate the opening of these accounts, and I have strong suspicions that they are fraudulent. I kindly request that you thoroughly investigate these accounts and take appropriate action to have them removed from my credit report. This is crucial in ensuring the accuracy and integrity of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
PAID DEBT TO PORTFOLIO RECOVERY SERVICES PER THEIR DEMAND LETTER IF THE DEBT WAS PAID PER REQUIREMENTS, THAT IT WOULD BE DELETED FROM THE 3 MAJOR CREDIT BUREAUS IN 30 DAYS.

IT'S BEEN MORE THAN 30 DAYS. THIS HAS NOT HAPPENED. 

XXXX XXXX ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: AR Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are several false charges using my name from XXXX XXXXXXXX XXXXl XXXX XXXX. AR resources is holding the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX is reporting incorrectly to Transunion a repossession with a current balance due of {$17000.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I returned the vehicle to the dealership within the time allotted under the Lemon Law. The vehicle had stopped running and the representative that I spoke with at the dealership assured me that the dealership would cover the costs for repairing the vehicle. I was never notified if/when the vehicle would be repaired and consequently I never regained possession of the vehicle from the dealership. The vehicle was then later sold at auction and was sold for more than what was owed. This account needs to report a {$0.00} balance and the coding regarding a repossession needs to be removed. There is no outstanding balance on this account. This false reporting of a repossession is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.

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