BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
LoanCare LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX Short sale was started with LoanCare XX/XX/20. LoanCare has been fighting us every step of the way regarding the homeowners EDD Award Letter and EDD statement printouts being in XXXX instead of English. 
***** THIS IS A CLEAR CASE OF XXXX ****** LoanCare is refusing to acknowledge the XXXX Award Letter and their XXXX Statement because they are in XXXX. They are demanding the borrower get a copy in English, which is not possible given the laws that protect non-English-speaking borrowers. XXXX said they have XXXX speaking customer service representatives, but no XXXX speaking underwriters and therefore can not use the letter we sent. THEY ARE DEMANDING THE DOCUMENTS/LETTERS BE PRODUCED IN ENGLISH, EVEN AFTER WE INFORMED LOANCARE THAT IT IS A VIOLATION OF BOTH STATE AND FEDERAL LAW, AS WELL AS THEIR SERVICING GUIDELINES. The State will not and can not produce these letters/documents in a language that the borrower DOES NOT SPEAK, as the borrower has indicated to the State that XXXX is their main language those letters/documents will ONLY be produced in XXXX. 

****LOANCARE DOES NOT HAVE THE ABILITY TO SERVICE THEIR CLIENTS****** THIS IS A CLEAR CASE OF 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 2018-12-18
Company: CNG FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was contacted by XXXX XXXX XXXX on my mother 's phone they said that they would be submitting my debt from XXXX XXXX XXXX  to XXXX County to serve me with a court date if I did not pay. I called this company to set up a payment arrangement for {$730.00}. I completed payments on XX/XX/17. I never received a final payment statement showing the account was paid off. I have since been contacted by another collections agency for the same debt who said that they bought this debt directly from XXXX XXXX XXXX. They did not show any records of my payments. I have since tried to contact XXXX XXXX XXXX via all 3 numbers in my submitted document. One number is disconnected and the others do not ring at all. I am very upset as I do not have expendable funds. I am now paying the new company who has the debt. I googled this company and see may complaints of the same thing happening to other people. Their address I found via one complaint form is a XXXX box. This is a complete scam and I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
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: Personal information incorrect

Complaint:
Equifax consistently is the only credit bureau that displays incorrect account balances, personal information including addresses and reports closed accounts as being open. I opened disputes for these issues on XX/XX/XXXX and once again on XX/XX/XXXX. As of yet - I have not been able to view the results of my disputes and their system will not allow me to open another one due to them not being able to locate my credit file. Again, Equifax, is the only credit bureau that is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
XXXX will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
Equifax will not remove this inaccurate info ... XXXX XXXX {$1300.00} ... I settled this account ... 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Carolina Finance, LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2018 my car was repossessed due to non payment. I was notified of a returned payment the day before ( XX/XX/2018 ) and was told on XX/XX/2018 I had until XXXX XXXX  to make the payment in full or they were going to repossess my car. I made the payment in full over the weekend and the payment posted on the following Monday XX/XX/2018.They told me they had to install a tracking device on the car, because they had to repo the car. I feel that's extreme and unfair, I never hid the car for them to feel the need to install a GPS tracking device on the car. The finance company did not release my car until Monday XX/XX/2018, meanwhile marking the car as a repossession on my credit. 

When I asked about removing the repossession off my credit because the car is currently in my possession XXXX XXXX at my finance company told me, " no we're not removing it off, it is what it is, we had to pick the car up so it's a repo, deal with it ''. 

I don't want to have a repo on my credit if the car was released to me and in my possession. 

I received correspondence post dated on XX/XX/2018 on yesterday XX/XX/2018, informing me that my car was going to be put up for sale, meanwhile I already have it back and this letter came out after the payment had been paid, while having to wait 4 extra days to receive my car back. I missed 3 days of scheduled work due to not having my vehicle, especially after I corrected the missed 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 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Navient Solutions, LLC.
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Navient was private student loan lender and now I am receiving mail from NES Of Ohio stating that my student loans are in default and in debt collection. 

I contacted Navient in XX/XX/XXXX to discuss repayment options and they told me they could no longer assist me because now NES Of Ohio has information on my student loans. NES Of Ohio has sent me notices in the mail stating I should paid the amount of {$7300.00}. From XX/XX/XXXX-XX/XX/XXXX I was a XXXX XXXX XXXX XXXX XXXXXXXX in XXXX and earned a readjusted monthly living allowance of $ 250.00- {$260.00}. From XX/XX/XXXX-XX/XX/XXXX {$50.00} were deducted from my readjusted living and sent to Navient for student loan payments. 

I previously spoke to Navient in XX/XX/XXXX a month after I returned from serving in the XXXX XXXX and they told me over the phone that I could pay {$38.00} a month but I was unemployed at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Clearview Resolution Services
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I tried to work with XXXX XXXX and I asked them to stop taking bi-weekly payments for a week or two and when then would not I closed my bank account. A few month later they sent my information to a collection company called Clearview ever since I have been getting non stop harassment calls. They call family members including my elderly parents and my dad who is extremely ill with XXXX XXXX. I'm including everything that I found on this company plus email that I sent to them trying to resolve the issue. 
I have been wanting to pay them by either a cashiers check or money order and they do not respond to my request. I even spoke to them and they only want my current bank information or debit card number which I refuse to give. XXXX XXXX did offer a settlement of {$700.00} and no one has responded to that email. Now, for every harassment call I receive I'm deducting for what I owe them since I feel they are not really interested in settling they only want my bank information to continue to take money out. 
Here are a few of the numbers that continue to call, it changes dailyPlease stop the harassing calls. I got two more today. I sent you several emails ( see below ) and I have requested an address so I may send a money order or cashiers check.

I do not want calls. I want an address and will send the settlement per my conversation with XXXX XXXX and for ever call the settlement goes down for my pain and suffering of being harassed ; so now it's {$610.00}. 
XXXX XXXX XXXX -XXXX. XXXX XXXX XXXX - XXXX XXXX phone numbers. 
They tell me the authorities will be coming to arrest me and they are taking me to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: Convergent Resources, Inc.
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/18, I contacted XXXX XXXX to settle my collections account for XXXX. I spoke with representative XXXX XXXX at XXXX. Mr. XXXX advised XXXX XXXX would accept my settlement offer of {$300.00} as payment in full and report my account as settled to the CRAs. I requested a letter confirming the details of the settlement prior to making payment. Mr. XXXX connected me with his supervisor XXXX XXXX who assured me that I would receive a receipt and letter of confirmation upon making the payment. I verified all of my personal information including mailing address and email address. The {$300.00} payment was debited from my checking account, but I did not receive a receipt, or a settlement letter on XX/XX/18. On XX/XX/2018, I spoke with a representative who advised me to allow 2-3 hours for the letter to be sent by email. The rep said he would email XXXX XXXX to follow-up. The requested documents were not received on XX/XX/18. On XX/XX/2018 at XXXX XXXX, I spoke with the supervisor XXXX XXXX who stated my collections account is showing a {$0.00} balance and stated the letters & receipt would be sent within 24 hours. Again, the letter was not received. On XX/XX/2018 at XXXX XXXX, I spoke with representative XXXX XXXX who requested my physical address and email address. Ms. XXXX claimed there was no contact information on file for me. Ms. XXXX said she was emailing her supervisor regarding my issue to ensure it was resolved. She also stated the letter would go out ASAP before the call disconnected. I immediately called XXXX XXXX back at XXXX XXXX and spoke with XXXX XXXX, the original representative who took my payment. Mr. XXXX confirmed that he remembered me, apologized and stated the account shows a {$0.00} balance. I requested the email be sent to my email address XXXX. Nothing was received.

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 2018-05-03
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: Information belongs to someone else

Complaint:
THE FRAUDULENT ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY 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 2021-06-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I sent out a letter To Verify The Accuracy On my Credit Report on XX/XX/2021. I Also sent out a demand a comply letter as well. It's been over 30 plus days in have not had a response. Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted. They were unable to provide me with a copy of the supporting documentation as proof. So I demand for the item to be removed.

Also under 15 U.S. Code 1681 - Congressional findings and statement of purpose.

( a ) Accuracy and fairness of credit reporting. I don't feel i am being treated fair.

Accuracy mean that all value are deem correct and Accuracy is measure of value.

Fairness means no one is taking unjust advantage of another. I fell they willfully and knowingly that they are reporting inaccurate information and committing fraud.

( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Its hurting my Confidence and i am the natural person.

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 2020-11-15
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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've seen no changes for the accounts that I have filed last month, I see multiple 30-60 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 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 2019-09-10
Company: EQUIFAX, INC.
State: MD
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:
I mailed a certified letter to Equifax requesting an investigation of the inquiry thats on my credit report.

The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX XXXX ''. I never applied or authorized this company to check my credit. I do not have any active account with this company The inquiry date was : XX/XX/XXXX from Company : " XXXX/ XXXX '' I never applied or authorized this company to check my credit. I do not have any active account with this company.

Equifax failed to re-investigate. I also sent a letter to all three companies requesting for proof of this authorization, yet I received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried numerous times to resolve an inaccuracy in th way an account is reporting with Transunion, XXXX, and XXXX all to no avail. 
The account is for an auto loan which was repossessed in XXXX and sold at auction in XXXX. The original loan amount was approximately {XXXX}, and once sold approximately {XXXX} remained. 
At this point it should be reporting as a charged off account in amount of {XXXX} approximately, but instead continued to report as late payments each month with a balance remaining of XXXX. 
I have tried, and tried to resolve both with the bureaus, even sending supporting documents ( attached ) from original finance company, but to date all disputes have been updated as " validated/verified '' and disputed closed. 
I am not disputing the validity of account being mine, but rather an error in how it is reporting. 
I am a single mom, doing my best to purchase a home in near future, but this continues to affect my credit negatively month after month. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-23
Company: Experian Information Solutions 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:
Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.

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 2021-06-07
Company: General Motors Financial Company, Inc.
State: AL
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 XX/XX/21 I sent a leter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report I has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the XXXX you caused me.

My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
trying to get my credit reports experian 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 2018-06-23
Company: EQUIFAX, 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:
Ive sent numerous letters and filed three complaints with the CFPB regarding the inadequate investigation into verifying a debt. I am frustrated because after almost a year I have not received any legal instrument showing verifying that I am the owner of the debt reported by XXXX XXXX. I am asking that CFPB re-open the complaint file case # s listed below : XXXX XXXX XXXX After numerous attempts at verifying a debt with XXXX XXXX, I have been told that the debt was verified. Well, how was it verified? Where are the documents that show this debt as belonging to me? 
As a consumer, I feel that my fair credit reporting rights have been violated and no one is trying to help me after I have taken all the legal steps to get assistance. At this point, I am forced to seek legal counsel against the CFPB and all three credit bureaus.

Company response to consumer: Closed with non-monetary relief