BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-25
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan has been on Autopay since I first purchased this investment property. We did do a forbearance during COVID. After taking it off of forbearance ( I received threatening calls about taking it off and they pretty much made me do it. However I was financially able to come off of forbearance ). After coming off of forbearance I received a call again from this company saying that I owe them all the money from when I was in forbearance. So this issue was somehow resolved by putting It back on Forbearance then removing it off of forbearance and putting it on the back end of the loan. We went back to Auto Draft as usual. The XXXX payment was taken. ( I was not aware that they never took another payment since XXXX. All my payments for everything including my other two mortgages are on Autopay ). I received a letter in the mail today saying my payment hasn't been made since XXXX and I owe all these fees. My bank account is always with money. I own rental properties. I don't know why they didn't take their money. I was on the phone with a supervisor and the call was somehow disconnected. They never called back. I called back again and now Im still on the phone waiting. Someone just picked up. I have been on the phone a total of 1 and a half plus hours. I am now being told that they will take the payment but will not give me anything in writing stating that this was an internal issue. I have a refinance coming up and the lady just told me this is on my credit report and has been for over a month. She said she will ask for the late payment to be removed and the late fees to be escalated but she dont know what will happen. I just paid my regular payment and I do not trust this predatory company after all I have been through with them during COVID there is no telling how many other people they have done this to to try and get extra money.I want the late payments removed and I want those fees waived this is not my fault and I have gotten my attorneys to look into this with the intention of filing litigation.

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 2017-08-01
Company: TMX Finance LLC
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I requesteded a title loan on X/XX/2017. This loan was for {$350000.00} the branch general manager advice me that if I ever had a problem paying to contact her for extensiones. First payment was due on X/XX/17 i call the store to get a extension for 3 days and the manager adivce me that i has to pay {$970.00} ( regular payment XXXX month ). On X/XX/17 I call the branch to get a pay off amount they adivce me that it was {$3600.00}. i did not uderstand why it was so much i had been told it was {$3200.00}, the explain of a daily fee of {$16.00}. That same day i recivded a call from corporate TITLEMAX number was XXXXthey call me twice at XXXX XXXX and XXXX XXXX. A person by the name XXXX XXXX told me that they would settle my account if i piad it off on X/XX/2017 before XXXX in store, she advice that it would be better if i paid with my debit card, i exaplin that my daily purcahse is not more then {$100.00} daily. She said that per her supervioser XXXX XXXX the settlement was approvde to make sure i took in a cashier check to the store for the amount of {$3200.00} i ask for time off work and went to the bank got cashiers check # XXXX for {$3200.00} to pay off my account # XXXX,XXXX XXXX i go in to the branch XXXX XXXX XXXX XXXX # XXXX XXXX XXXX nv XXXX. They told me that there is no settlement and that i had to pay a total of {$3600.00} that was {$360.00} more then what the settlment was. i call the number of corporate and talk to the XXXX XXXX XXXX at XXXX and they said that he does not know what happen but i had to pay the {$3600.00} amount per the corporate supervisore XXXX XXXX . I vvery desapointeded of the process they gave me no explanation of what happen and the keep telling me to give them cash, something that i did not do. DONT GO TO TITLE MAX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like to file a formal complaint against Kohls/CapOne. I have sent several formal requests, dated XX/XX/XXXX through XX/XX/XXXX which I have certified mail receipts for, to validate accuracy of debt being reported to the credit bureaus. Their first response was we no longer have your credit application on file, as the retention period has passed. Then they turn around and send a separate notice stating our previous research indicates the information that was furnished to the credit reporting agencies is accurate. My question is how is this accurate/validating debt if at first you no longer have application on file bearing my signature, then somehow after their research it is now accurate. Then out of the blue a different amount of debt starts reporting to the credit bureaus. Their reporting is inaccurate and incomplete. Tried disputing with the credit bureaus, and they too say debt has been verified and updated but when requesting to provide how they verify, they can not. That is not legitimate verification/reportingaccurately. My requests have been clear and specific, but yet Im getting the same responses over and over that are not addressing my requests to validate this debt and the accuracy of the information being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: Santander Consumer USA 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: Information belongs to someone else

Complaint:
I submitted a fraud affidavit to Santander after discovering that my credit was used to purchase a vehicle. This was submitted to them via certified mail on XX/XX/18. Over the next couple of weeks, I continued to contact them via the phone to get an update on what the status of this fraud claim was. I was only able to get a hold of someone once during multiple attempts at contact. 

During this one contact I was informed a police report would possibly be needed, but I will get confirmation of this within a couple of days. After more days of waiting I submitted a police report via certified mail on XX/XX/18. I continued to contact Santander at least once every two business days, leaving a total of five voice mails on their fraud department lines, where I would always be redirected upon calling and entering my personal information. 

Later, on XX/XX/18, I received notice from Santander that my claim will be closed as they have determined to not have enough evidence needed to process my claim. This has led me here, to file a formal complaint, as I have done above and beyond the legal requirements to have this fraudulent activity removed from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 XX/XX/XXXX I noticed that a hard inquiry was processed by XXXX on my TransUnion report. I contacted XXXX on XX/XX/XXXX and notified them if fraud. They did their internal investigation sent it up the ladder and closed the account sending a request for deletion to the bureaus. In XXXX I checked back and my information still was not updated in regards to deleting the fraudulent inquiry. On XX/XX/XXXX they sent another request for deletion. All the bureaus except for TransUnion removed the fraudulent inquiry. Now a year later I am still contacting XXXX and TransUnion to have this removed. I am told I need a letter from XXXX stating the fraudulent inquiry was indeed fraudulent. XXXX tells me they can't produce such a letter. I've attempted to fill out FTC reports and mail them to TransUnion to expedite the process. The one I mailed in XX/XX/XXXX still never reached their office. I have been in hold for 12 hours with XXXX going back and forth between departments getting the run around. And TransUnion has been less than cooperative in resolving this issue staying they have no records of the request even when the other bureaus have acknowledged receipt of the request. It should be noted and tracked that another request ( the third request ) for deletion was placed in 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
Consumer complaint received 2018-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 would like to say I called Each credit reporting agency spoke to their consumer relations department and asked about the student loans I have on my report 12 as a matter of fact 2 for each loan I have they all agreed that yes in fact each loan was reporting twice and that they would have wait on XXXX to tell them there is an and the accounts should be removed how is that possible given that XXXX was given a set of rules " Metro 2 '' Guide lines section 8 of that guide line for student loans says : " For Multiple Disbursements of the Same Loan Combine multiple disbursements into a single account.

Retain the original Consumer Account Number.

Retain the original Date Opened of the first disbursement.

Increase the Original Loan Amount, Current Balance, and Scheduled Monthly Payment Amount ( when in repayment ) to include totals for all disbursements '' Then even gives and example on how it should report just in case the company on the other side can not read I guess. 

So how is it that XXXX Trans Union And XXXX are not aware of the rules or is it they just dont care as to the harm they are causing according to the FRCA '' Asarule, itsillegaltoreportinformationthat youknoworbelieveisinaccurate.Youhave reasonablecausetobelievethatinformationis inaccurateifyouhaveknowledge, otherthan allegationsfromtheconsumer, thatwouldleada reasonablepersontodoubttheaccuracy oftheinformation.FCRASection623 ( a ) ( 1 ) ( A ) '' Are the Willfully Non Complaint UNDER THE FCRA and dont care that they are causing undue harm to myself and my family or are the just untrained and lazy?

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 2018-04-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to dispute the following information in my file. The items I dispute also are encircled on the attached copy of the report I received XXXX. I ask for them to take off the Louisiana child support off my credit and had gave them a copy of the court order, but its still hasnt resolved and my credit drop 32 points after the dispute.

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 2020-11-03
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020 I received a notification from my credit monitoring that I had a collection added to my credit report. 

I contacted the company, because I didn't receive any notices prior to this being on my credit report. I originally spoke to a manager and stated that I didn't receive any validation period to dispute the validity of the debt. 

He stated that he didn't have to give any period at all. I asked my advocate XXXX XXXX, who is very familiar with FDCPA, and gave him authorization to call on my behalf. 

His phone automatically records conversations since Texas is a 1 party state as per phone recording. 

The manager came on at approximately XXXX seconds of the recording, she stated that they never sent any documentation to me, and their procedure is that they have to send out communication within 5 days of contact. The issue is they put a collection that is not mine on my credit report in the middle of my mortgage loan, as well as when Im being prepared for my annual review for my job. Having derogatory credit could be a potential reason my employment could be jeopardized. 

This tactic can have collection agencies just put items on credit report and extort consumers like myself without any period to dispute the accuracy of the accusation and harm me financially in my case of a XXXX point drop. I have always thought after the collection agency receives the debt, a consumer has a 30 day period so in cases of mine I can send my notarized identification fraud affidavit? I believe this company is abusing collection practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
The Issues : 1. Capital One violated state and federal laws and regulations when informed verbally and in writing that XXXX XXXX XXXX XXXX XXXX stole my Capital One credit card number. 

2. Capital One conspired with XXXX XXXXXXXX XXXX XXXX XXXXXXXX to defraud me. 

3. Capital One has instructed me in writing on how to defraud the IRS.

4. Capital One has repeatedly lied to the CFPB to try to cover up their violations of state & federal laws and regulations : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

The Details : Attached Folder 1 The Documented Proof : Attached Folder 2 Some documents provided by Consumer Services under the Attorney General of Florida

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-02
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I have type out and mailed a certified letter to a creditor Conserve in regards of amount I owe of XXXX. I requested a validation, of competent evidence Bearing my signature, showing that I have ( or ever have some contractual obligation to pay them. conserve has failed to respond, or have my account disputed.On XX/XX/2018, I have written a second goodwill letter, in response to them ignoring my 1st letter. Evidence is in attachment, with name and account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: E Mortgage Capital, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
1. The mortgage broker E Mortgage XXXX XXXX, CA improperly completed their paperwork and failed to seek a subordination for another lender.

2. After all signatures were done they still had not completed their paperwork.

3. Once the loan was closed and I received the main cash out pmt. I received a letter from the previous loan company that the payoff was short paid not by much but {$160.00}.

It took about 5-6 phone calls to even talk to the broker XXXX XXXX.

4. It was rectified after two weeks of calls.

5. Then I got contacted, post loan from a Notary who had no Idea what he wanted me to sign. I tried to contact XXXX XXXX no answer and voice mail full. A day or two latter he contacted me and explained the above that they had failed to get the subordination. I then waited another week before the Notary contacted me and the papers got signed.

6. The broker had told me they would reimburse me {$520.00} I was charged for I think the appraisal.

7. After I was told several times the check was being sent out and was not I finally called XXXX XXXX company and asked for his boss XXXX, He was able to get XXXX to call me. XXXX does not seem to answer his phone and his voice mail is always full.

XXXX  agreed to get a cashiers, take a picture of it and text that to me. ( He did that ) now we will see if the check comes.

Personalty I will never deal with XXXX  or E Mortgage again and will never encourage any one to deal with ether of them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I recently discovered unauthorized credit inquiries on my Transunion credit report. I contacted TransUnion about the credit inquiries in question, and I was told I needed to contact the creditors directly to get them removed from my credit report. I contacted each of the creditors as instructed, but was told that they did not show any inquiries being made with my personal information on their end, and to contact TransUnion to have the inquiries removed from my report. I contacted TransUnion and informed them of what the creditors told me. TransUnion told me the that I would have to file a police report and mail it to them if I wanted the credit inquiries removed from my report. I filed a police report as instructed, and sent TransUnion a copy, along with a letter disputing the unauthorized credit inquires. I mailed the requested information to TransUnion via certified mail on XX/XX/2020, and they still have not removed the unauthorized credit inquiries from my 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 2020-08-25
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For weeks I have been trying to update my phone number but it keeps wanting to send a text to my old number. Just recently I moved and got the same issue when trying to update my address. So I called customer service for help. I moved out of XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Florida on XX/XX/2020. I have tried twice to change my phone and once with my address to my new address and number but both requests were denied citing I have to provide a request in writing or record a video to prove my identity to manage my account. Its the end of the month and this error could be the reason of fraud. I shouldnt have to send a letter when I move. Thats absurd when I have a XXXX XXXX and its imperative the correct address is reflected when Im trying to conduct 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 2021-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Disputed account with all 3 credit bureau and have not received any type of verification stating that I'm the owner of such account in question, also this negative unverifiable account is hurting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: EQUIFAX, INC.
State: AR
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 was trying to cosign for my daughter to get a new vehicle and the car salesman told me my credit was too low. I told him to show me my report and print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} XX/XX/XXXX- Deferred payment due to financial hardship - {$590.00} I've contacted the company in XX/XX/XXXX to update the late derogatory marks. Please update the 30-day late reporting due to financial hardship and payments being deferred during those times. Payments were deferred and not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Bread Financial Holdings, Inc.
State: NJ
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation