BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-29
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This problem was originally reported under complaint number XXXX. The complaint was closed too soon. Please do not close this complaint upon receipt of company response, as they are not resolving my problem. 

I received the letter from LoanCare dated XX/XX/2018, with a letter attached dated XX/XX/2018. In this letter is a phone number ( XXXX ) and extension ( XXXX ). I called this number XX/XX/18, the first date I could take off work, and the extension is invalid. I left a voice message, and did not receive a return call. 

Curiously, and without notification, my PMI charges changed in XX/XX/2018, decreasing from {$77.00} to {$25.00}. The total current PMI overpayment stands at {$410.00}. 

XXXX XXXX has refused to provide requested information to help me cancel my PMI. They state my property has lost value per XXXX, but will not tell me what XXXX was used, what information was entered, or what the new value is. The website still indicates my property value is $ XXXX. Using XXXX, my property has increased in value from a purchase price of $ XXXX to $ XXXX. Additionally, LoanCare is demanding I pay for a Broker Price Opinion, but will not provide any information regarding the BPO - just that I write a check. I've paid my mortgage on time every month for ten years and I have great credit. My principal balance is, per the website, {$120000.00}. Original property value was, per LoanCare letter dated XX/XX/18, {$150000.00}. As the principal balance is now 80 % of the original value, my PMI should have cancelled automatically.

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 2023-01-18
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:
I am submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.

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 2018-05-15
Company: CHECK INTO CASH INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
My paycheck wasn't direct deposited in time and the loan didn't get paid. I was assessed some fees due to this and another payment not going through and it made my account negative. I contated the company and they made an agreement to let me pay the loan on XX/XX/XXXX. Since then they have been calling me 5-6 time per day and emailing me. I asked them not to call me but they continue to do so. I don't understand the need to call since we had a repayment plan in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-09
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have written a letter to this debt collection agency Deville Asset Management on XX/XX/2019 to confirm the validity of this debt they are claiming owed in the amount of {$7500.00}. The letter was returned to sender, which is myself. I had requested that they sent me all the required notices that were supposed to be properly and timely given. I request that they provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle. Also to please provide copies of the original contract of purchase of vehicle, notice of intent to sell motor vehicle, notice of redemption letter with proof provided in a timely manner for an opportunity to purchase vehicle back, Notice of deficiency including written accounting of remaining principal and interest plus resale fees. I sent it to the address that appears on my Credit Report as associated with this debt collector. But it wasn't able to be delivered. I believe that the information provided is not only invalid but that they have illegally reagged this account so that they can report it to credit bureaus in an attempt to collect a debt that is not owed to cause harm towards my credit. As they continue to report this invalid claim is considered to be a violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Account Status is reporting inconsistently across bureaus.

Date opened is inconsistent across bureaus.

the last report date is inconsistent across bureau Term is inconsistent across bureaus. 
XX/XX/XXXX status of current and 60 days late XX/XX/XXXX is inconsistent. 
This account was not opened with XXXX XXXX in XXXX 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 2023-01-03
Company: National Credit Systems,Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX. 

I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect. 

I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 

So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
i had to move because i was layed off due to covid 19, i was unaware these charges were added to my credit report, i tried to work out a way to pay, but they did not adhere to any resolutions offered.

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 2017-12-23
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a debt in the amount of {$490.00} from the original credit XXXX XXXX that was sold to XXXX XXXX XXXX collection that was later deleted and now has been resold to XXXX XXXX. I was not aware of this account being put on my credit within in 5 days prior to being reported to the credit bureau. As well I have talked to XXXX XXXX XXXX on more than numerous occasions in reference to this debt and getting a letter to verify this is my account which was never received. XXXX XXXX this particular collection company is not licensed to collect in the state of TEXAS.As for the account being sold I am no longer liable to pay for this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Violation of Consumer Rights under 15 USC 1692, 15 USC 1692F ( 6B ), 15 USC 6801 ( privacy policy ), and 15 USC 6802. EVERY VIOLATION IS {$1000.00} and at the moment we are 37 violations and counting not including the Statutory Damage Penalty being that this is the second time that Capital One Auto Finance has proceeded with said violations. My ( non public ) Consumer information was provided to a non-affiliated third party who I have never done business with or under any contract with. My vehicle and belongings were taken/ stolen/ whichever one of the terms you choose to use and twice. My property was damaged by the repo men ( have the footage on XXXX HD home security cameras ), 11 times they came and knocked on my door within 5 wks, they would drive past my property every day. I reached out to Capital One Auto Finance ( written ) but never received a response. I did not okay a repo and it was not granted judicially. Laws were put in places for a reason, no one is exempt from being a law abiding citizen. WE HAVE RIGHTS AND MINE WERE VIOLATED BIG TIME. But they chose the wrong battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: ID Analytics, 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:
applied for a car loan. XXXX XXXX denied due to credit report. XXXX XXXX credit score XXXX. XXXX credit score XXXX. length of residence too short. Bought my house XX/XX/XXXX paid off mortgage. Too few active accounts. I have 1 department store account. 2 XXXX XXXX accounts and a visa card since XX/XX/XXXX that I pay in full monthly.

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 2021-02-04
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: Account information incorrect

Complaint:
XXXX and Transunion should not be reporting me as an authorized user on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. I have contacted the bureaus to fix this however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item needs to be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Got about twenty calls over a two day period from an unmarked number. No messages left. on fourth day My wife received a call then my sisters ( two ) both have received numerous calls from unkown number. All three were left messages by a person named XXXX XXXX inquiring about me and a payday loan with advance america. I called the number he provided and asked him to please stop calling anyone other than myself regarding this matter. I told him I generally never pick up unknown numbers. I aksed for details, regarding the debt he stated I owed in writing. It has been over a week and my wife and sister have repeatdy been getting multiplecalls every day for the last week. With an aditinal XXXX from the caller. 
This is harrasing behavior and he is speaking to other parties ( in voicemails ) regarding this matter. He would have to have searhced for the additional information online as both my sister do not have public phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried to be removed as a joint account holder for a XXXX checking account, but I was unable to unless the account was closed by the primary. I tried to contact him as well regarding it and to close it since we are no longer together, but he was immature and refused to close it and open a new one for himself. The bank would not further help unless he calls in and closes it. I need help getting the account closed, because I do not consent to have my information apart of this account and do not have a card or any other connection with the person who wants the account kept open.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Sir or Madam, I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2018-09-29
Company: GOLDEN 1 CREDIT UNION, THE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My card is disabled and blocked. When I tried to inquire on the reason : 1. I was given the answer that my card was fine - its just a glitch. A " glitch '' that is now lasting for more than a month 2. I called again, was told that it was " fraud '' and I should get a letter at anytime - which I never received.

3. I was told I am not " qualified '' to get information on why my account is blocked. 


My account is always paid on time - I am a big spender. I spend a lot, and I pay it off. Somehow this bank does not like that.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called or messaged XXXX, Equifax and XXXX 6 months or so ago and requested that all addresses and telephone numbers that are inaccurate be removed from my profile. I was told by all XXXX that was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Experian Information Solutions 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:
Experian is reporting two accounts that do not belong to me. XXXX XXXX XXXX ( partial account # XXXX and XXXX XXXX XXXX ( partial  account # XXXX ). Experian has been contacted several times regarding this error. I would like these two accounts to be remove immediately based on the federal fair reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
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:
XXXX XXXX XXXX is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/19. This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Due to Covid I was laid off and became behind on my bills. I contacted Capital One to offer them a settlement because I wanted to pay them and move on. They rejected my offer. They informed me that they could not put it in writing nor could they inform me of why the decision was made. Fast Forward, they offer me a Hardship Program where they reduced the APR and payment for 9 months. I accepted the program and have made over the payments due. This hardship ends in XXXX. I contacted Capital One yesterday to offer a settlement of 50 % of the balance because I received my tax return and I was going to just pay them everything I had to be done with the account. I was told on the phone that my offer was accepted and that someone would be contacting me with the details on how to proceed with payment. I received a call today from a Capital One employee name XXXX empolyee # XXXX. She stated I was declined and I proceeded to request a explanation because I was informed yesterday it was excepted. She stated they do not give an explanation nor will they put this in writing. I asked that they review the call because this was not acceptable. She stated that she reviewed my history and I was rejected before and moving forward to write them if I wanted further assistance. Once again they rejected my offer and refused to provide any details and stated they could not document my offer or declination in a writing. I have been making all my payments for the past 7 months and I just want to pay them out and move on because they service and transparency is unacceptable. This is not how a company should operate especially with a customer that is trying and not ignoring their obligations. It seems they want to ruin your credit. I just really need this matter looked into because this should not go undocumented. Consumers have rights especially when they want to work with the creditors. I will never bank with nor secure anything from Capital One

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX furnished information on my credit file with extortionate means to collect an alleged debt that was for family personal and household purposes the social security card used to extend credit belongs to the social security administration therefore the alleged obligation is the United States according to 18 U.S.C 8 secondly XXXX XXXX XXXX is in violation of 15 U.S.C 1605 ( a ) the use of the credit extended was an uninformed decision XXXX XXXX XXXX did not disclose the finance charge was the sun of all charges and that the finance charge does not include charges of a type payable in a comparable cash transaction full disclosure was not given and the finance charge was not clear and conspicuous therefore the agreement is null and void FTC affidavit attached.

Company response to consumer: Closed with explanation