BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-10
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since we originated the loan in 2018, my wife and I have had PMI on the load. 
Recently we went to about 34 % equity, so I asked if PMI could be removed. They said, maybe, but you have to submit a fee for {$100.00} and then a BPO will happen and then we'll see about the PMI removal. I agree, and on XX/XX/XXXX we submitted the {$100.00} electronically. 
Since then I've received no information. No call. No letter. Nothing as to stating when this broker would come out and do a walk through to determine home value. After a month, I figured let me just cancel this BPO and get my {$100.00} back since this company is not being truthful on what they offer. Since I have tried to get my {$100.00} back - I have sent countless emails. Through their site elements so I know that they get through. I get the occasional canned acknowledgement but nothing else. 
I am now sick of this kind of response. All I want is to get my {$100.00} back and my later intentions are to refi out of this loan to get away from this company. 
Hopefully you can help me. 
Thank you.

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 2023-01-11
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:
Trans Union, XXXX, and several other financial institutions have been sharing private consumer information without prior consent to third partys that i have no business with which is in direct violation of 6802 ( b ) ( 1 ) ( b ). Also finacial instutions have been violations 15 us code 1681 ( a ) ( a ) ( 2 ), which state that they cant report credit transaction and they have been reporting late payments which unlawfully

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX  Balance {$0.00} ; XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX Inquired on XX/XX/2023 ; XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, WA XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Santander Consumer USA Holdings Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Santander  repossessed  my vehicle  I was a month  behind. Truck  cost XXXX   had the  truck  for about 3 or four  years  they  repossessed  the truck  and  never heard  anything  else about it.  It does not appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: DISCOVER BANK
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:
Upon receipt of my recent credit reports from XXXX, XXXX, and XXXX, Its apparent there still exist a Fraudulent account I discovered that was opened at Discover Bank ( acct # XXXX ) without my knowledge or authorization being reported negatively. This Account was opened as a result of identity theft/identity fraud. Ive subsequently filed a local identity theft police report and Federal trade Commission complaint regarding this matter. Ive properly notified Representatives at Discover Bank of this matter and have opened a Dispute requesting that they immediately close this Fraudulent account and to STOP the reporting of this INACCURATE, FRAUDULENT INFORMATION from my XXXX, XXXX, and XXXX Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
Company: Netspend Corporation
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Sunday XX/XX/XXXX my XXXX kids received Netspend cards with {$25.00} each as reward for chores. When attempting to activate card was told I needed to provide picture of driver license, social security card, and piece of mail to them. The info was provided reluctantly after questioning why such documents are needed for {$25.00} gift card. The info was submitted and activation was still refused for the 2 cards. We then asked for a refund to my brother in laws account for the cards, which was denied. They offer to send a check to me, after a {$5.00} fee paid to them. This is with 2 separate cards, the same thing happened. 
Card # 's XXXX and 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 2018-07-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
OnXX/XX/2018 I sent a letter to XXXX XXXX/Walmart in regards to acct # XXXX in regard to late payments and to validate the  debt. The certified mail on signed on XX/XX/2018 respond back from XXXX XXXX/Walmart was a letter copy of app with monthly statements ,no receipt of signed purchases made, no canceled checks, receipt of documents itemized bills does not constitute verification. Than I sent another letter on XX/XX/2018 certified XX/XX/2018 informing XXXX XXXX/Walmart that they have Violate the federal law per the requirement that they are to provide the credit bureau with the disclosure within the period required by law and which they have failed to do.You are required by the law to place a "notice of dispute" when you signed on XX/XX/2018 with in the 30 days required XXXX XXXX/ Walmart is in violation, The Fair Credit Reporting Act Section 623(a)(3) for not placing a "notice of dispute" within the timeframe and evidence certified mail you must now remove the item. XXXX XXXX/Walmart has since place a "notice of dispute" on credit report but still in violation because you are to place a notice of dispute on all bureau you are reporting to not your favorite one. XXXX XXXX/ Walmart has part way acknowledge there violation by the federal law but will not fully acknowledge it XXXX XXXX/Walmart has remove some of the information off of the XXXX report but did not remove all this is still violation in frauding the system.XXXX XXXX/Walmart fail to remove off of report on XXXX,XXXX credit report which is scaming the system and they do what they want to do if you don't pay attention. The copy of my report are attached to prove evidence and I have never even got a letter that they tried to part way removed off of XXXX  because they were gonna re-insert info back on with out my knowledge. 
THIS IS VIOLATION OF RULES/FEDERAL LAW THAT YOU HAVE TO ABIDE BY. TO PLACE A "NOTICE OF DISPUTE" ON XXXX,XXXX,XXXX   CREDIT REPORTING AGENCIES.THE FAIR CREDIT REPORTING ACT SECTION 623(a)(3)REPORTING FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES[15U.S.C.1681s-2](a)(3) DUTY TO PROVIDE "NOTICE OF DISPUTE" YOU MUST NOW DELETE THE ITEM AND PROVIDE ME WITH A NOTICE OF THIS DELETION OFF REPORT.
PLEASE ASSIST THE COMPANY ABOUT THE LAW AT HAND THAT THEY HAVE VIOLATED.

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 2021-07-07
Company: LOBEL FINANCIAL CORPORATION
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:
In XXXX of 2020, I noticed an alert via my credit card 's credit monitoring service stating I had an auto loan go into delinquency. I thought this was odd as I only have one auto loan and it is paid meticulously. After further investigation, I found there was a loan on my credit report by Lobel Financial at XXXX XXXX XXXX XXXX, XXXX, CA, XXXX. The fraudulent account is in the amount of {$5700.00} and upon initially discovering the account, I immediately submitted a dispute via XXXX. The dispute claim is now complete and instead of erasing this fraudulent account from my credit history, Lobel Financial simply charged off {$3700.00}. This is unacceptable as this is not my account. After these results came in, I called Lobel Financials Legal Department and they stated I could have the account removed by supplying a police report and copy of my credit report showing the fraudulent account. After sending this information in, they sent me a letter stating I needed to submit an identity theft victims complain and affidavit via the FTC. I am now about to complete the FTC complaint but I wanted to also file a complaint here to ensure this issue gets reported properly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: TX
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:
EQUIFAX REPORTING THE ERROR XXXX XXXX XXXX  XXXX Please REMOVE the reported non-compliant claim from the data furnisher of XXXX XXXX XXXX XXXX for account # XXXX, it currently is deficient of compliant reporting, ILLEGALLY MIND YOU! The accuser is reporting illegally, and the item of report MUST be removed due to failure to have legal standing in full accordance of federal reporting regulations. For one, Account # XXXX lacks the minimal federally FCRA REQUIRED redacted truncation for lawful reporting. MATHEMATICALLY each MISSING redacted or OVER REDATED value increases likelihood of a fraudulent reporting by ten-fold ( since each character can potentially represent 0-9 each ), so missing the four requisite truncated characters calculates to 10x10x10x10x10x10x10x10x10x10x10= 110,000 times GREATER ODDS of potential fraud due to possible identity theft or elsewise. TRUNCATION requirements are to ensure account privacy and consumer protection, any deficiency is OBVIOUS grounds for permanent removal and any injuries resultant of the misreporting is equally suitable grounds for civil action and monetary awards. ERADICATE this unlawfully reported claim today, even here and NOW, so to RETURN to mandated reporting compliance. Please present DOCUMENT evidence of the PHYSICALLY VERIFIABLE PROOF of CERTIFIED COMPLIANCE, even to the metro 2 format ( a requisite of regulatory reporting standards ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: TRANSWORLD SYSTEMS INC
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On a recent review of my credit reports, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
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 have inquiries on my report that I have disputed prior and these inquiries are with companies that I have no open accounts with. Please DELETE the following inquiries from my consumer file unless you can furnish an original document with my signature showing permissible purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, 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:
Equifax and XXXX are reporting incorrectly that I am 30 days past due on the XXXX XXXX - partial account number XXXX. ( Please see page 26 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16
Company: Lenmo Inc
State: AL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
Hello my name is XXXX XXXX and I'm having an issue with a peer to peer lending company lenmo, my application was denied from the company which is not a big issue. My problem is that they don't want to release the reason why they denied me the loan. They said because of verification and I was asking what verification they had a problem with. They said for my security they can tell me the reason why, I know by law they have to give me the reason why they denied me, I gave this company my social security number and info and they can give me a reason. I know with any loan company they will send you a letter saying the reason. This lenmo company did not send nothing. No letter or email. I had to reach out to them on this issue. Please help me to get the answers I need.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AE
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been reallocating my assets from my USAA savings account to a savings discover account. 
I have been very careful to time the transfer requests in such a way to avoid overdraft particularly. I transfered XXXX to discover after receiving XXXX from selling stocks on XXXX and being deposited into USAA. After receiving my midmonth pay I deposited XXXX into my USAA savings account from my checking account. After that was reflected on the app, I transfered that XXXX to discover. Now USAA is stating that I never transfered the XXXX between account and is claiming overdraft fee of XXXX. The app reflected my XXXX transaction which would have completely avoided the overdraft fee but now it is not reflected at all on the app! I feel this retribution from slowly closing down my account with them ( which I responded to in a survey ) and is completely unfair as sufficient money was within my accounts in the USAA ecosystem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Trans union is currently showing 21 inquiries on my credit report, that was never authorized. According to the law and congress, 15 US Code 1681a & e Congress gives me the full right to privacy. A consumer may not have his or her consumer report accessed without proper acknowledgement or permission. I have no letters, or no phone calls that I ever recievd asking or letting me know that my report was and will be pulled. 

I have reached out to trans union, and XXXX amd XXXX with the laws and congressional findings giving me this right as well as the law that protects me against this kind of agress and unlawful consumer dealings. This kind of consumer reporting behavior shows discrimination as well as unlawful

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 2018-11-13
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Loans with XXXX and XXXX reporting negative that was always kept in forbearance or Deferrment but continue to report multiple past due amounts ( hindering my home buying process ). Also bringing credit up and down because continuously taking balances down then up again causing serious drops in my scores.Also the timeframe of these loans they should no longer be reporting on my reports.

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 2021-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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 have been trying to resolve errors on my report since XX/XX/XXXX. It is now XXXX. There are inaccuracies with the following accounts that per the FCRA should be removed : XXXX is showing derogatory status. The CRA continues to state verified yet has not sent me viable proof of validation. They refuse to remove account even though I've sent proof that the CEO of XXXX can't find the account and that the CRA can't verify since I've frozen my reports with all 3rd parties. I've attached copy of FCRA, Copy of letter from CEO and proof that all 3rd party reports have been frozen. 
XXXX opened XXXX, is showing derogatory status. The CRA continues to state verified but has not sent me copy of original contract or anything else that would be considered proper debt validation. Furthermore, this account was sold and a write off, thereby making me not liable for this account. Also, I've frozen all third party reporting so for CRA to state verified is fraud. 
Get it Now Account opened XX/XX/XXXX shows late payment and status of closed instead of paid as agreed. Since late payments listed fall under Cares Act and this account has been paid in full, it is being reported inaccurately. The CRA refuses to fix errors or delete account despite them being unable to verify or property provide proof of validation. 
Get it Now Account is showing balance despite being paid off and paid in full since XX/XX/XXXX. 
Currently this CRA is in violation of section 623 ( a ) ( b ) regarding these accounts. I've attached copy of the FCRA, Copy of Cares Act, Proof that third party reporting is frozen and Copy of XXXX  CEO email. This CRA is in clear violation of my rights and FCRA.

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 2020-10-21
Company: NAVY FEDERAL CREDIT UNION
State: TN
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:
ONCE AGAIN I HAVE ASK XXXX TO HAVE THESE COMPANYS TO REMOVE THESE ACCOUNTS FROM MY CREDIT FILE I HAVE FILED A POLICE REPORT AN FTC REPORT AND THESE COMPANYS HAVE STILL YET TO PROOF THAT I AM THE PERSON THAT APPLIED FOR THESE ACCOUNTS THEY NEED TO BE REMOVE ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have lost my job due to a plant closure. Comenity Bank called me XXXX times last week. They called this morning Sunday also this is harassment. Theyre texting me now I also received a text this morning. My phone and laptop have been hacked and I dont know who I am speaking to so I do not answer the calls. They never leave a message and just figured out that it was them calling me. I have all the calls logged on my phone. Im not trying to screw them out of anything I need to find a new job which isnt the easiest thing to do when youre XXXX

Company response to consumer: Closed with non-monetary relief