BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Company in Question : Transunion I do not wish for my Transunion File Number to be posted publicly, so I can provide that information separate from this initial complaint. Please call or email to obtain that information if needed in order to reference the call and complaint information. 

I have made several attempts since XX/XX/2018 to have inaccurate and unsupported collections removed from my Credit Report. I have tried to access my full report from all 3 bureaus via Annual Credit Report. Transunion has made it nearly impossible for me to access my full report and have disputed charges properly investigated and removed. During another attempt to resolve this ongoing issue, I called Transunion and spoke to a man who claimed he was a " customer service supervisor '' and his name was " XXXX XXXX ''. The number I called was XXXX at XXXX p.m. XXXX. The call lasted XXXX hour and XXXX minutes. The entire conversation was a joke to this individual. XXXX minute he claimed to have a record of my past disputes and confirmed the collection agencies " investigated '' did NOT provide supporting documentation within 30 days as requested. Then, the next minute, he denied that I ever filed previous disputes. I could hear laughing in the background and he talked to me like I was a child. Per the FCRA, these disputes should have been thoroughly investigated and removed my from credit report 2 years ago. The Transunion rep was disturbingly ignorant of U.S. law pertaining to the FCRA. I want the call pulled/fully reviewed. If the aforementioned call doesn't last XXXX hour and XXXX minutes, it has been edited and " doctored '' by Transunion in another cover-up attempt. I have been denied a car loan, a credit increase, and a home loan due to Transunion. I want full compensation and my credit report fixed immediately. This man should be fired as well. Our conversation was nothing but a sick game to him. He thoroughly enjoyed being disrespectful to me and hearing my frustration. This is my life we're talking about! My future! My children 's future and safety of a home. This is very serious! This is NOT a game!

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 2018-02-16
Company: EQUIFAX, INC.
State: SC
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:
yes companies XXXX open date XX/XX/XXXX XXXX have wrote to equifax and disputed to XXXX as well no responds back they could not say that the debt belong to me after 4 months still shows as costumer disputes this information ... ... ... .XXXX XXXX XXXX open date shows 2 diffirent dates not the write information XX/XX/XXXX on equifax and closed on XXXXXXXX XXXX  XXXX XXXX XXXX open date is XX/XX/XXXX inaccurate dates and as well on XXXX XXXX XXXX XXXX open on XX/XX/XXXX showing closed condiction ... .. 

I would love to get my credit clean so i can start a fresh start and cant due to things like this holding me back trying to better my family and buy us a house all the information i listed upabove that the credit bureau is reporting most was deleted and put right back as thanks for all your help and hope to hear from you soon thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: AZ
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:
My report 's list of information was inaccurate. I sent it to each credit bureau, asking them to investigate it and review my files. However, that information continues to be reported and has a negative effect on my credit. As a result, the credit bureau did nothing to get rid of the incorrect information listed below. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Request for Accounting under Article 9, Section 210. 

since XX/XX/XXXX my Balance does not seem right XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX as to XXXX they call on sundays and throughout the week until I complained to the federal telephone. 
The fees they charge {$25.00} per month from XX/XX/XXXX was unfair as they never sent the coupon or statement where to mail the check. 

The care dealer sold the cheapest and oldest cars in their inventory at the highest markups and was never listed or out in the car park it was just brought to the front and I was told this is it and I was in real need of a car. 

The markups from the dealers ( XXXX XXXX ) was based on my credit. 
They are trying to put me into a borrower defaults. By Adding the missing XXXX payment. 
According my credit report I have paid every month. 
Credit acceptance is in a practice with dealer to hold false advertising, fraud, deception and violations of the Truth in Lending Act. and misrepresnted my mileage on the car when I bought it and lack of disclosure, and overcharged and spiked the interest rate.

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 2022-10-28
Company: Self Financial Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I have been trying to get Self financial off of my Credit Report for 2 Months with no luck except with XXXX who deleted it. XXXX displays SBNASELFLNDR saying that it's under collection or Closed. I reported identity theft months ago regarding this and also sent the report more than once to the right email I know it's right. The second account is the same this but trying to get me to pay under another bureau and it's called XXXX who I also told this was identity theft and sent the documents. This has been a stress and caused me to miss work and emotionally been crushing me having to complete a process over and over. I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: SERVICEMAC, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is two current issues with this XXXX XXXX mortagage company. First there are reporting I owe them XXXX to the credit bureaus I do not owe them this amount I owe less. This has affected my credit. Second issue is they are trying to force escrows on my mortgage account and trying to charge me for taxes that I already paid myself I sent them the receipt.This is predatory lending practice.

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 2015-08-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have contacted equifax about XXXX that 's been reporting against my credit for more than over 7 years and they are refusing to remove it. Instead of removing the negative item, they keep changing the date to show that it 's not older than 7 years. Attach is a document that shows the open date to be more than 9 years old and I 'm hoping this action will finally cause equifax to remove this negative item from my credit file permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, INC.
State: AZ
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5800.00} XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$3000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: EQUIFAX, 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:
I am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were on a Covid Forbearance plan with Flagstar due to job loss. I received monthly statements and checked their website frequently. 
I found a new job paying less and we made the decision to sell and purchase a smaller, less expensive property. 
I spoke with a Payoff Agent at Flagstar and asked if I could add the amounts I saw on my statements in order to get a rough payoff estimate. She stated I could. So I added the escrow and principal and used that as a rough idea when house hunting. 
Once we were under contract with sale of our current property and purchase of a new one we requested a payoff report. The report came in {$40000.00} higher than anticipated due to accrued interest that had not been disclosed on our monthly statements or on the website. 

I called to speak with a Payoff Agent at Flagstar and he informed me that interest still accrues while in forbearance and I should have known it was that amount. 
I was aware it accrued, however it is not listed anywhere for me to see or anticipate the amount. 

This lack of transparency has caused issues with purchasing a new home.

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 2022-07-18
Company: Village Capital & Investment LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I was offered a modification from Village Capital. I began to pay the trial modification payments. The trial was to end XXXX, XXXX. I have continued to pay the trial plan. My loan began with Village Capital, transferred to XXXX and transferred back to Village Financial XXXX. Since the trial period ended I have continued to pay the trial payments. I have called multiple times to ask for the agreement in writing as I was paying and had no written agreement in place. They continuously advised that I continue paying and the paperwork would be generated. Today I received a letter stating I have to reinstate over {$15000.00}. I then called and asked for an email where I could sent a research request to figure out where my money had went. I called twice and each time was given a different email address for the request. XXXX and XXXX. Both emails came back undeliverable. At this point, Village Capital will not even tell me what is going on. The email I tried to send is below : o Whom It May Concern, Please accept this as a written request for information. We are concerned about the adherence to the Truth in Lending Act, Fair Debt Collection Practices Act and the Coronavirus Aid Relief and Economic Security Act. If we do not receive the following answers, we will have no choice but to report this to the Consumer Financial Protection Bureau. Please see timeline and questions below : In XXXX, XXXX XXXX XXXX 's file was with Village Capital and he was approved for a loan modification ( please see attached ). Since this approval XXXX XXXX has paid every month the trial payment. 
Since the trial plan was offered the servicing of this loan has transferred from Village Capital to XXXX to Village Capital, XXXX. We will need to see where all payments have been applied, which entity collected payment and how the payments have been transferred to each servicer. 
XXXX XXXX has now made 8 modification payments ; we still do not have any paperwork with a written agreement. We have requested the agreement multiple times and have been unable to get anything in writing. 

Please advise as to the status of the modification documents and a transaction history for this file from XX/XX/XXXX to present day ( XX/XX/XXXX ). We believe enough time has passed with XXXX XXXX making payments based on verbal communication. We look forward to your response within the next 30 days or we will be forced to involve the CFPB. Thank you. 

Please help me. Village Capital has been collecting payment for 8 months and is now saying it was not received. They have refused to send me any paperwork for the past 5 months. I have tried to work with Village but they will not give me an accurate email address and ignores my verbal requests.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Aargon Agency, 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:
The credit agencies still have this account listed and  per Aargon th ey requested it be removed. This has been listed and it needs to be 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 2022-07-18
Company: Experian Information Solutions Inc.
State: AZ
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 am glad to see some improvements to my report, including the removal of several accounts I had previously disputed. Yet, there are still some accounts on my report that are false and were resulted from identity theft. I am asking for your assistance in getting rid of the last few items on my report. Any account reported on an identity theft report must be removed or blocked by the credit bureaus in accordance with FCRA section 605b. In order to help stop false information from being submitted on my report, I have included a few papers. 
XXXX XXXX XXXX Balance Owed : {$62.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX : {$5800.00} XXXX XXXX Balance Owed : {$670.00} XXXX XXXX XXXX Balance Owed XXXX {$3000.00}

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 non-monetary relief
Consumer complaint received 2021-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor has been adding inaccurate information on my credit report .I sent letters to all three credit bureaus and they did not verify according to the fair credit reporting act section 609 ( a ) ( 1 ) ( a ) that is required by law to verify. They failed to verify. This account must be deleted off my credit reports within 30 days 611 ( a ) 15 usc 1681j ( a ) ( 1 ). Im also requesting that they send me an updated copy of my credit report.

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 2022-10-24
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
In early XXXX, my partner applied for and received an American Express XXXX XXXX XXXX Credit Card. I am an account manager on that account. 

The promotional materials for the card, in several different places, advertised that the {$95.00} annual membership fee would be waived for the first year. However, on XX/XX/2022, our card was charged {$95.00} for an annual membership fee. 

I called Amex on XX/XX/2022 and spoke with a representative named XXXX and explained the situation. She told me she would send a link to upload copies of the promotional materials for Amex to look at. I clicked the link and the link was dead. I called back and spoke with a representative named XXXX and the call was immediately disconnected. I called back and spoke to a representative named XXXX who told me that the process XXXX wanted me to go through was the incorrect process and that I had to wait for somebody to call me back. I was given a case number, and was told that normally, it would take 7-10 business days for someone to call me back, but she would expedite the request and I would receive a call within 1-2 business days. 

On XX/XX/2022, having received no such call, I called Amex and spoke with a representative whose name I did not get. He spoke with his back office and told me that there have been no updates, and that the back office would get back to him in 1-2 weeks. I told him that a representative said I would receive a call from somebody, and he told me that no such thing would happen, so I didn't even have a chance to provide Amex with the relevant promotional materials. At that point, I was tired of being jerked around and was not confident that the matter would be resolved in a timely and appropriate manner, so I told the representative I would file a complaint with the CFPB. 

I am attaching the printout of the card statement showing the incorrect charge, as well as printouts of the various promotional materials with the annual fee language highlighted in yellow for ease of reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer XXXX XXXX XXXX  Date Updated : XX/XX/2020

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 2017-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
O n  XX/XX/XXXX  I w ent to  Capital one.com I a pplied for a credit card. I had to send them additional documents to verify my ident ity three weeks later they approve my application a few days after that they closed my account because they said I use someone  else 's promotional code which I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
Problem Company : LoanCare , LLC is a XXXX XXXX and indirect subsidiary of XXXX XXXX XXXX, Issues : - deceptive practices including changing stories, lying, tell customers that they've accepted certain contracts or changes when they haven't - constant and repeated delay practices including failure to process documents, refusing to acknowledge receiving documents, excessively long hold times and hanging up on customers so they have to start again - unwillingness to respond or communicate in a timely manner - repeated failure to meet deadlines set by themselves

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