BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts nor did I authorize these companies to run my credit. Please remove 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 2021-02-05
Company: VW Credit
State: WA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
This complaint is to Volkswagen Financial service www.vwcredit.com My bank XXXX XXXX XXXX XXXX sent a check to Volkswagen financial on XXXX of XX/XX/2021 and Volkswagen financial received my pay off check on XX/XX/2021 and the check was cleared on XX/XX/2021. The check amount is {$20000.00} and the XXXX tracking is XXXX. ( which shows when they received my check ) I called VW before my due date on XX/XX/2021 and in between I talked to 5 VW representatives and the issue still has not been resolved. I even sent them the check copied on XX/XX/2021 to show they have cashed my check on XX/XX/2021. 

This doesn't not look good on my credit report because so far my VW account is still showing I did not pay off the VW lease and I have another loan with XXXX XXXX XXXX XXXX. 

They wasted more than 5 hours of my time in total and still not willing to take any ownership or actions to do the right ethical way to pay off my lease. I provided additional check image to show they cashed my check to XX/XX/2021. They still did not resolved the issue. They are doing unethical business by not reporting the proper data to the credit bureau agencies. And I have to buy a property in the new few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Freedom Mortgage Company
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to refinance my mortgage for over 90 days. The mortgage provider has promised ( in writing ) a credit to my account which it is intentionally omitting from the closing document. The mortgage company has sent the closing documents with the wrong information on the closing date several times and in every time I am told the problem has been fixed an additional amount is added to the closing statement. The company is misleading regarding the stated changes in the closing documents which are normally sent on the day of the closing leaving very little time for review and change.

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 2020-11-23
Company: Consumer Portfolio Services, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I see multiple 30-90 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: Credit Plus 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: Information belongs to someone else

Complaint:
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiries on my credit reports per XXXX, XXXX  and XXXX. 
On XXXX XXXX, XXXX, CREDIT PLUS add a hard inquiries on my credit reports per XXXX XXXX and XXXX. 
On XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX  add a hard inquiries on my credit reports per XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Worked with both XXXX XXXX XXXX and credit bureaus asking them to provide proper validation documents as requested on alleged debt that was owed on multiple accounts ( XXXX, XXXX, XXXX ). Only documents provided were copies of bills from original creditor and nothing that shows the collections agency legally now owns this alleged debt and is reporting it in error. 

Both the collections agency ( XXXX ) and each of the credit reporting bureaus ( XXXX, XXXX, and Transunion ) were unable to provide sufficient proof such as a bill of sale or contract showing they purchased this debt from the original creditors. 

To date, XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. As of this year XXXX has had to pay close to one million dollars in fines and penalties due to their unlawful business  procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself. Please remove XXXX XXXX XXXX from my file so that I can restore my credit and good name back to where it once was. I thank you one again for your time and I look forward to having XXXX XXXX XXXX removed from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: FORD MOTOR CREDIT CO.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Ford Motor Credit keeps reporting my account to XXXX  late over and over. Now its showing that Im currently 4 payments past due, but the past due amount is {$0.00}. I have called multiple times for them to fix this only for it to never get corrected. XXXX  and XXXX  are reporting correctly. Its just XXXX  that Im having such a hard time with. Im not past due at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. However I have received a collection on my credit report about the debt and the collection company has now reached out to me. I tried to dispute with the creditor, but the debt is now sent to the collections agency who notified my on XX/XX/2021 about the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: EQUIFAX, INC.
State: TX
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:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The credit report agencies are reporting the same accounts as a charge off and collections ( XXXX XXXX XXXX and XXXX XXXX XXXX The accounts have a great deal of interest added to them. 

2. I also have a charged-off accounts for XXXX XXXX XXXX and XXXX XXXX XXXX  3. I have late payments for XXXX XXXX XXXX and 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 2019-06-28
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
My payments are {$180.00} on the XX/XX/XXXX every month this company wont work with me and they want to take a amount of {$370.00} the payment plan was supposed to be {$47.00} they keep changing things I just want to be done

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have purchased exercise equipment from XXXX XXXX XXXX TD Retail Card Services XXXX where it supposed to be interest free for 3 years at a monthly rate of {$42.00} per month due on the XXXX of every month. The first payment that was due was on XX/XX/XXXX. I have faithfully made every payment before the due date but they have been adding late charges on every month because I have not paid them more than the agreed {$42.00} per month. In XXXX they added at {$38.00} late fee for something that was not late. Every month since then, they have been adding the same late fee because. They claim that I owe {$140.00} in late fees which I do not. I have the following cashed checks : Here are the posted paid dates on the checks from my bank : XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
XX/XX/XXXX for XX/XX/XXXX payment. 
I want them to remove all of the late payment charges effective immediately and reverse the bad report to the credit bureau. I have contacted them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for them to resolve it but they still have not. They also reported to the credit bureau that I have not paid late payments. 

Sincerely Mr. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-11
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There was a request for my credit report from Equifax Mortgage Solutions. I did not request this and am not familiar with the request at all. This is on the XXXX  site. I have frozen my credit reports. 
My employer recently informed me that there was a fraudulent unemployment report filed with my information. That is when I froze my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, 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:
I am the victim of identity theft. I followed the procedure of using your FTC affidavit and obtained a report from the police department and Equifax and XXXX are not following the law ( 15 USC ) regarding identity theft. I am former XXXX ( just not practicing ) and am aware of my rights. 
There are erroneous things on my report. I have never had any involvement with any bankruptcy and have submitted the police reports to XXXX, Equifax and XXXX XXXX, who was the only C.R.A to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-05
Company: Bull City Financial Solutions, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
WHEN CHECKING MY CREDIT REPORT TO QUALIFY FOR A MORTGAGE IT WAS DISCOVERED THAT THERE WERE SEVERAL ACCOUNTS ATTACHED TO PLACES I HAD NEVER LIVED IN XXXX XXXX NC DATING BACK APPROX. 6-7 YEARS AGO. DATE OF DISCOVERY WAS XXXX XXXX, 2020. I IMMEDIATELY FILED AN FTC REPORT AS I DO NOT LIVE IN THAT STATE AND LOCAL LAW ENFORCEMENT DIRECTED ME TO FTC WEBSITE. SINCE THEN I HAVE SUCCESSFULLY REMOVED ALL BUT 1 ACCOUNT : BULL CITY FINANCIAL, WHO IS TRYING TO COLLECT FOR XXXX XXXX. I SENT THEM A COPY OF THE FTC REPORT AND CALLED THEM MULTIPLE TIMES. INSTEAD OF ACKNOWLEDGING A GOVERNMENT DOCUMENT THAT I HAD TO SIGN THAT I WAS TELLING THE TRUTH THE TOLD ME I HAD TO PAY THE BILL OR DRIVE TO XXXX XXXX  NC AND FILE A LOCAL POLICE REPORT IN PERSON AND SUPPLY DOCUMENTATION OF EVERYWHERE I HAVE LIVED IN PAST 7-10 YEARS. LOCAL LAW ENFORCEMENT TOLD ME THEY SHOULD HAVE RECOGNIZED THE DOCUMENT AND I SHOULD CONTACT YOU AT THIS POINT. i HAVE SINCE UPDATED FTC REPORT WITH THE 1 OUTSTANDING ISSUE AND ATTACH A COPY TO THIS COMPLAINT

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: ERC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My Wife and I XXXX XXXX XXXX were contacted ERC, a credit collection agency. They claimed we owe {$6800.00} on their XX/XX/2020 notice. The nature of the claim is we owe XXXX XXXX XXXX on Account XXXX. 

I contacted the Fraud department of XXXX XXXX XXXX and they said they would investigate. That the {$6800.00} if from four cell phones XXXX ; XXXX XXXX ; XXXX XXXX   and XXXX XXXX. These number are a complete mystery and I told the XXXX XXXX XXXX  Fraud Department.

Today I receive a notification from XXXX XXXX XXXX saying Based on investigation, we conclude that we are responsible for this debt and they are proceeding to collections. 

Please help, we are senior citizens with two cell phones XXXX XXXX XXXX and XXXX XXXX both XXXX. My wife is very upset and so I tried to call the XXXX XXXX XXXX fraud office at XXXX ( five times ) today. They ( XXXX Fraud Department ) want a password or access number for an account we have no knowledge therefore they system hangs up or does not allow us to advance to speak with anyone. Furthermore, the XXXX  XX/XX/2020 letter says if we do not speak with them by XX/XX/2020 we are required to pay the {$6800.00} I called our Congresswoman XXXX XXXX and her Assistant recommend we contact you to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: Metro Collection Service Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Apartment complex is saying I owe them money, and I owe them nothing. I contacted the collection company asking them to validate the debt. They sent proof I stayed there not proof I owe them anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have recently been in contact with XXXX XXXX on XX/XX/2018 and XX/XX/2018 in regards to a monthly payment increase on my student loans. The program that I was in and able to maintain was {$210.00} and has now increased to {$460.00}. I called XXXX XXXX to ask if the payment could be lowered to an amount that I could maintain being that I am the sole provider in our household due to my husband returning to school full time for an XXXX XXXX XXXX program. When I spoke XXXX at XXXX XXXX I was asked to provide my financial profile including monthly income from my job, expenses such as rent, car note/insurance, groceries, cable, and what I currently have in my checking and savings account. I was then told that XXXX XXXX would need to contact my co-signer who is a XXXX year old retired veteran, my grandfather was harassed about his monthly income and payments and was told that if he was not providing enough information. I was then asked by XXXX XXXX what are you willing to do to maintain your payment because based on your credit profile you are not able to maintain your payment. I was then informed by XXXX at XXXX XXXX that my request was denied to lower my monthly payment or offer an alternative method. I begged them and never once said that I was unwilling to make a payment, I simply asked to lower it so the loan would not be defaulted and I was denied. XXXX then asked for my routing and account number and stated that my interest rate would be lowered .25 % if I enrolled in automatic payments which did not lower the monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX, I went to a car dealership to discuss getting a new vehicle and trading in my existing vehicle. When running # s, I was told that my vehicle has no trade value as it was involved in an accident. According to an XXXX report from Experian, my vehicle was listed as having been in a " Multiple Impact Collision '' on XX/XX/XXXX. I was never in an accident in NY. I called the XXXX County Police XXXX Precinct Auto Accident Clerk 's office and the records department and both confirmed that there were no records of an accident under my name or the accident report number cited in the report. The false information has monetarily hurt 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 2018-09-20
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
My pay was interrupted for two months by the va with minimal notice. This caused my mortgage to default. The va fixed the issue eventually and wrote a letter to the mortgage company explaining the situation. In the time that my loan was in default, we had a small fire in our laundry room/ bathroom. I completed the work myself even though the mortgage company insisted I needed a contractors liscence to install new flooring, a piece of drywall, a pocket door, some cleaning and paint. I explained that I was a XXXX for a family member for over ten years before I joined the XXXX. Nothing in the repairs was above the average home owners skills and anyone could learn to do everything I did to my home watching videos on XXXX. I had called them at least 6 times before they gave in to letting me work on my own property. They only told me half of the actual process to get the insurance checks endorsed and sent back to me to deposit. They advised me that if I wanted my money within 5 days to send the checks in an overnight mailer to include a return overnight mailer to get it back in said due time. I did this to a cost of almost {$50.00}. This was over 3 weeks ago and since that day, I was told Id have to wait an additional 10 ten for the inspection. The inspector came last Friday on XX/XX/XXXX. I called yesterday to ask when the funds would be realesed to me and they said it would take an additional 10 days after receiving the inspection for corporate to sign off on it. This was all given to me over 8 different phone calls and I believe 7 different employees all telling me different things. When asked to give me an idea of when the funds will be released to me and why it was taking so long after I was told 5 days well over a month ago so I could write down exactly what they told me this time. The manager stopped talking. They didnt ask to put me on another hold, they didnt hang up, they simply stopped responding to me. I demanded an answer several times and when they still refused to respond I hung up the phone. The insurance adjuster and the independent adjuster both stated that I completed the repairs in a timely and proper manner. I had to borrow money to complete the repairs and since I was told Id have the money back in 5 days, I returned it to the person I owed it to ASAP. The repairs cost me about {$1500.00}, and my mortgage payment is {$1200.00}. I told them hey can have the mortgage payment when I receive the {$8900.00} due to me from them. I also believe that they are a predatory lender and since my property is worth well over what I agreed to pay for it, they want to lay claim to it or try to get me to refinance from them for the full equity so they can make their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My account ending XXXX ( settled with XXXX- BOA agent ) and account should show XXXX balance and close status should be CLOSED and not charged off since it is paid/settled. XXXX settlement letter is attached here with .... 

XXXX XXXX XXXX XXXX XXXX Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX  XXXX XXXX XXXXXXXX CA XXXX Creditor : Bank of America, N.A. Account Number : XXXX Reference # : XXXX Balance : {$33000.00} XXXX XXXX XXXX , Please accept this letter as confirmation of the agreement reached on XXXX with XXXX XXXX . We can resolve your account in the amount of {$22000.00} which must be received on or before XX/XX/18. Failure to comply with these proposed conditions will make this offer null and void and the full balance minus any payments that have been made to the account will be due. We are not obligated to renew this offer. There may be  tax consequences as a result of a settlement. Please consult a tax professional if you have questions or want advice about any potential tax consequences. We offer an on-line correspondence service that will reduce paper consumption and may improve your customer experience. Please visit XXXX to access your account information or make payment ( s ) on-line. You may also mail payment ( s ) to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Calls to or from this company may be monitored or recorded. Interest and/or fees will not accrue on your account. This is a communication from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PH: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