BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-23
Company: EQUIFAX, INC.
State: NC
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:
Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX This is not my account Have disputed and ask them to provide the information about my account and they have not {$420.00} Owner INDIVIDUAL credit grantor {$300.00} Account Type MONTHLY Term Duration {$420.00} Date Opened {$420.00} Date Reported Date of Last Payment Scheduled Payment Amount XXXX Delinquency First Reported CLOSED Creditor Classification Charge Off Amount REVOLVING XXXX XXXX  XXXX, XXXX XX/XX/XXXX XX/XX/XXXX UNKNOWN XX/XX/XXXX Credit Card XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Millco Management
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not mine. I have never been to XXXX XXXX in my life, don't even know who or where it is. There has been a fraud alert placed on credit report and this company is damaging my life and breaking the law

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 2018-06-20
Company: Colony Brands, Inc.
State: VA
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 account has been sent to an outside agency as was told to me by the Rep. But they would not allow for call verification from XXXX. 

The account is currently with XXXX XXXX Credit Bureau XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Chapter XXXX Bankruptcy US Bankruptcy Court District of Colorado Case Number XXXX Filed XX/XX/XXXX & Discharged XX/XX/XXXX - TransUnion is refusing to report the correct status of XXXX XXXX # : XXXX as included in Bankruptcy. File number XXXX, disputed and was not corrected as of XX/XX/XXXX. TransUnion is reporting the Bankruptcy discharge under public record but refuses to correct the accounts that are listed in the schedule with known dates prior to filing and discharge.

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 2018-06-20
Company: Rauch-Milliken International, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
This is a follow up complaint. My original complaint # is XXXX. 
In my original complaint : I was contacted by debt collector, Rauch-Milliken International ( RMI ), Inc. in XX/XX/XXXX regarding a disputed account. I asked my attorney to respond on my behalf. On XX/XX/XXXX my attorney responded on my behalf. RMI did not respond to my attorneys letter. On XX/XX/XXXX and again on XX/XX/XXXX, XXXX XXXX, representative from RMI called and left a voicemail regarding the same issue. Furthermore, I received a letter from RMI dated XX/XX/XXXX. The letter threatened, " to avoid the possibility of asset attachment, including the seizure of ALL bank accounts, inventory, accounts receivable, etc., please contact this office immediately ( capitalized for emphasis ). I believe It is improper for RIM I to be contacting me directly when I am represented by my attorney. RMI never responded to my attorneys letter dated XX/XX/XXXX. This direct communication is an attempt to bypass my counsel and to intimidate me into settling the issue. 
The company responded to my complaint # XXXX on XX/XX/XXXX, stating that " File has been closed - collection efforts terminated. '' On XX/XX/XXXX, my attorney received further collection efforts from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: HYUNDAI CAPITAL AMERICA
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Kia Motors Finance is incorrectly reporting that I have several missed payments which is incorrect. We ask for and were granted a Covid-19 deferred payment for XXXX and XXXX. Every other payment this year has been on time. Kia claims that there was some type of glitch in their system which kicked out our deferment and also has every payment showing as late on our credit report. Just last month, every payment for this year has been on time. We have called Kia several times and they give us the run around. They have reported this false information to all of the credit bureaus. After some research, it seems Kia is and has done this to several customers. I'm looking to buy a house and my credit score has dropped 60 points.

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 2018-06-26
Company: CITIBANK, N.A.
State: FL
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:
I checked my credit report and noticed that XXXX was reporting negatively with a balance past due of {$190.00}. However, this is incorrect. I closed my account in good standing in XX/XX/2018 and the balance was {$0.00}. There should have been no charges after that point. I have never received anything the mail from them about a debt owed. They didnt give me a chance to pay a balance, if there was one owed.

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 2019-08-30
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
a relative stole my identity when i was out of the country, over 9 years ago. XXXX XXXX  has called a debt collector attempting to say they are suing me 9 years later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a Navinet and loan. 

I am having trouble making the payments because of an inadequate employment They have been Robo calling my work phone which is my cell phone I am a XXXX  Are use my phone throughout the day to look up medications and other XXXX treatment plans.

I can get anywhere between 15 to 25 calls a day.

It disrupts my ability to conduct my job. I can not work affectively taking 15 to 25 phone calls per day shift I have asked them to stop on multiple occasions. I have received eight phone calls already this morning and its only XXXX XXXX  Please make them stop Robo calling my cell phone incessantly

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX at XXXX I received an alert by text from Netspend saying that my balance was {$5.00}. I immediately went online to XXXX to view my account. There was a atm withdrawal from an atm in XXXX tx at XXXX XXXX XXXX XXXX XXXX tx. I immediately called to report the fraudulent activity on my account and to have my card blocked. I told him that my card is in my possession and how is it that someone could withdraw money from my account without physically having my card. 
The representative provided me with an email to get a temporary credit until they complete their investigation that can take from anywhere of 10 days to 45days or even 90days. I  submitted the email and I have called back to netspend twice and they are telling me that I have to wait until XX/XX/XXXX to get an update and to see if I win my case or lose. I don't see how I would lose my case since I was not in XXXX, I was in my house which is 3 hrs away. I'm the victim, money was stolen from me. I should not have to go through this to get by money back. I also called XXXX the atm customer service to see if they could help and they said they could not.

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 2017-08-04
Company: Stellar Recovery, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a follow up case after filing case number XXXX on XX/XX/XXXX and case number XXXX on XX/XX/XXXX. Specialized Loan Servicing has responded to my case by stating that I have missed my monthly mortgage payment on XX/XX/XXXX in the amount of {$1300.00}. I beg to disagree with SLS and I would like to show proof that I have made my monthly mortgage payment on XX/XX/XXXX. The payment of {$1300.00} was made through XXXX XXXX dated XX/XX/XXXX in the amount of {$1300.00} payable to Specialized Loan Servicing with tracking number XXXX. Funds were deducted from my XXXX XXXX account number XXXX. Attached is a true copy of the official receipt from XXXX XXXX as proof of this payment. I have also made my monthly mortgage payments for the month of XX/XX/XXXX on XX/XX/XXXX in the amount of {$1400.00} and for the month of XXXX  on XX/XX/XXXX in the amount of {$1400.00}. As I have stated before, I have always made sure that I pay my monthly mortgage every month before the 5th day of the new month.

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 2018-09-07
Company: Experian Information Solutions Inc.
State: FL
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:
This account was never late or past due. This account was paid on time, every time XXXX XXXX   Account Number XXXX Account Type Installment Loan Terms 051 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Late Payment Status Details 30 days past due Status Updated XX/XX/XXXX Balance {$16000.00} Balance Updated - Credit Limit - Past Due Amount {$140.00} High Balance {$19000.00} Monthly Payment {$550.00} Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, CA XXXX Ownership Individual account Original Creditor - Company Sold-to - Original Amount - Comments - Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
On XX/XX/XXXX the stimulus payment was posted to an American Express Serve card as that was the option I selected through XXXX XXXX  for my tax return. I have been unable to access that money since as American Express has never sent me a card. When I was able to speak with someone they were unable and unwilling to overnight a card or provide any kind of tracking for a replacement. They simply said that I would have to wait and hope that the card comes. It has now been almost 1 month and I have still not received anything and it is now seemingly impossible to get a hold of anyone in their customer support department. In addition, my online access to the account has also been locked and I can not reset my credentials without any card details.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-07
Company: TOLEDO FINANCE CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I fell behind on my loan with Toledo Finance after having my loan there for some time and even re-financing it a couple of times. They do this to keep you in the loan. I was receiving daily phone calls from the office. They were leaving rude and threatening messages and a couple of times even left the amount that I owe on my voice mail. The voice mail on my phone only id 's the phone number and it is illegal for them to leave this type of information on a voice mail. I first sent a certified letter to stop the calls. I then sent an intent to sue letter to both the office where I obtained the loan and the corporate office. I got a response back stating that they would stop the calls but I will still obligated to pay the loan. 
In the letter of intent to sue I asked that my loan showed paid in full and all negative history corrected on my credit report. 
They had several violations of the FDCPA. Repeated calls and voice mails, threatening voice mails but the topper was when the rep left a voice mail with the amount that I was past due and that is a clear violation of the FDCPA. I could have sued them through my attorney but tried to work it out with them and they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
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: Was not notified of investigation status or results

Complaint:
Information for ID theft and XXXX XXXX is for Trans union and XXXX and the whole thing is for XXXX I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXXXXXX XXXX will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

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 2018-06-20
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I purchased my home for {$200000.00} through Fay Servicing. In XXXX I did a modification on my own through the housing program, they had a program that they were offering if you qualified for {$50000.00} ( non repayable with stipulations ), I did qualify. Which brought my mortgage down to {$160000.00}. In XXXX I filed bankruptcy and my mortgage company had a modification program with HUD/FHA that they advised me to go through I qualified for the modification. Which was for {$47000.00}. Which brought my mortgage down to {$120000.00} that I pay through my mortgage company. Now in XXXX I wanted to do a home equity loan through a federal credit union which I was approved for. Once the underwriter was doing the verification of the title search. She contacted me with a discrepancy of my title search. she explained to me that my home was appraising at $ XXXX {$260000.00}, also I had 2 leans on my home that was filed with my mortgage company that did not match up with my paperwork that I submitted to her. First lean is my mortgage company ( Fay Servicing ) for {$120000.00}, also the second lean is HUD/FHA for {$120000.00} as well. She explained to me that I would be upside down on my mortgage because the two of them would come out to be about {$250000.00}. She advised me to contact my mortgage company and she would forward me the information to show what she received from the title search. Also I should request a payoff from HUD/FHA. Which I did and the payoff is {$47000.00} but Fay Servicing filed {$120000.00} with the title company which they filed incorrectly. I took her advise and contacted my mortgage company ( Fay servicing ) and explained to them the situation as well as forwarded them all of my original paperwork as well as the paperwork from the credit union. They have had my information for awhile and said that they would handle it. They did say that there was an issue with the filing of the title incorrectly. It's been two weeks almost three since I contacted them about this problem. My account manager says that he forwarded things to his manager and things are getting taken care of. I feel as if nothing is getting done. They're giving me the run around and holding me up with my process.. I need this resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Information for ID theft and XXXXXXXX XXXX is for XXXX XXXX and Equifax and the whole thing is for XXXX  I recently filed a complaint attached the Identity theft report to it XXXX said CFPB can never do anything to XXXX so dont care showed them proof who I am and all personal information and the Identity police report they said they dont care now blocked me from calling writing and online paid account but still are taking money from my account here is a copy again of the police report so the FBI dont investigate XXXX for accessory to Identity theft. They said they will never do anything for this account its blocked law says if I cant dispute problems on credit or if I recently filed a dispute in writing and I did then everything I disputed has to be removed If you report information about consumers to consumer reporting agencies ( CRAs ) like a credit bureau, tenant screening company, or check verification service you have legal obligations under the Fair Credit Reporting Act 's Furnisher Rule. 
You must complete these steps within the same time allowed under the FCRA for the CRA to resolve the dispute. Normally, this is 30 days after the CRA gets the dispute from the consumer. If the consumer provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. The CRA must give you all the relevant information it gets within five business days of receipt, and must promptly give you additional relevant information provided by the consumer. If you dont investigate and respond to the notification of the dispute within the specified times, the CRA must delete the disputed information from its files. FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) ' XXXX has had over 300,000 complaints and never fixed any of them all posted on XXXX and CFPB postings and this is in less then 1 yr. All XXXX XXXX   negative reporting is by XXXX XXXX procedures they are breaking signed contract from XXXX XXXX and have no amendment on file. so all the negative reporting XXXX XXXX  will be removed. All proof is attached to this complaint real forms that show XXXX XXXX is reporting information and lies this real contract shows proof and attachments show they payments were maid but XXXX is in lost mitigations and contract says no changes to account till investigation for loss mitigation is complete which means no credit reporting at all so negative reporting for XXXX XXXX needs to by law and contract removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/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