BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
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: Old information reappears or never goes away

Complaint:
I have made several attempts to have XXXX, XXXX XXXX XXXX  XXXX removed from my credit report with TransUnion. I paid that balance off in full in XX/XX/2018. TransUnion is in violation of my rights. This credit agency refuse to remove the account from my report. My credit score is at all time low as a result of them refusing to investigate. This is also a very old bill. I've moved into a new apartment after losing my home due to theft and abuse of my personal information. I have a new account number with XXXX, XXXX XXXX XXXX  XXXX. If only TransUnion take time to look into this matter with XXXX XXXX XXXX XXXX  XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I tried to put my card down for my payments and it went through then I went to XXXX to see my grandma for a month and the card was not saved and the payments were made. I call navient and I get a machine and I tell the robot send me to customer service and it doesnt. Navient calls me and I get a representive they say they will send me things about lowering my payment or that I qualify to make zero payments but they never do. This is very frustrating because they are ruining my credit and i dont have any money I am looking for a job and i only have money for food.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: CITIBANK, N.A.
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 have to hard pulls from Citibank NA automotive on XX/XX/XXXX and XX/XX/XXXX I have not applied for anything the address and phone number showing are XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received my first notice that XXXX was transferring the servicing of my home mortgage to LOANCARE, XXXX XXXX XXXX, XXXX  XXXX, VA XXXX, XXXX XXXX XXXX, VA XXXX, XXXX. My loan has always been paid on time and was current with next payment due XX/XX/2019. I called XXXX immediately to see what I needed to due as my loan was due on XX/XX/XXXX and I wanted to make sure it got paid. I was told to contact LOANCARE,  and that by law they could not penalize you for any late payment due to service transferring. I did and was sent to an automated message that stated that if your loan servicing was transferring on XX/XX/XXXX, you had to wait until XX/XX/XXXX-today-to access your account with LOANCARE to make any payments.I was able to access my account online, but my account is now marked " passed due '', that I am not allowed to make any payment from a bank account, and that I have to bring my mortgage current. I am not permitted to make any payment and this company forced my loan to be late by preventing any access whatsoever until it was past due. I tried to call at least 8 times today and continued to get an automated message that they are experiencing a high call volume. They are breaking the law from what is happening to me, have marked my loan as passed due, have notated it late and are preventing me from making any payment and are NOT answering their phone. I would like to know what my legal rights are, and who is going to intervene. I need support and these tactics must be totally illegal. 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 2017-11-29
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Regarding XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX Dear, XXXX XXXX XXXX, XXXX XXXX XXXX Chief Financial Officer, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Please note that your affiliation with XXXX XXXX XXXX is posting my land and home for auction or doorstep foreclosure sale on XX/XX/XXXX, and per XXXX XXXX XXXX XXXX that I have title insurance with has Said that XXXX XXXX XXXX or XXXX XXXX XXXX XXXX acting Trustee along with XXXX XXXX as Trustee have any Authority do Foreclose.. The Security Agreement if non Valid or DOT as XXXX Could not do Business at the Time of the Grant Deed giving to me. Therefore youll need to stop this right now today when you receive this NOTICE and DEMAND as settler, as under Duress Treasury and XXXX XXXX has the endorsed promissory note for deposit only to one and the other paid to the UNITED STATES OF AMERICA WITHOUT RECOURSE if accepted in this criminal activity stealing homes piracy on the land. 42 arrest warrants have been issued and hope to see you all do the right thing. 
this is a copy of what was sent, and this part you will need to send to me at once. " TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' Your complaint filed with the Consumer Financial Protection Bureau as complaint number XXXX pertains to the same loan which was the subject of complaint number XXXX. As discussed in XXXX XXXX XXXX 's response to the prior complaint, neither XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, nor XXXX XXXX XXXX XXXX XXXX XXXX is involved in collection of the debt purportedly owed by you. None of these companies is the trustee of beneficiary. None of these companies has the legal capability to comply with your request " for this TITLE ( GRANT DEED ) TO BE RE-CONVEYED AT ONCE. '' thank you for understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: IL
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:
I decided to reach out to the XXXX in regards to late payments that are showing on my credit report because I knew that I was in forbearance and the late payments should have never been reported. I was told there was nothing they could do for the information was correct stating that they reached out to me several times. I never received anything from XXXX in regards to me being out of forbearance. After searching through my emails, it was brought to my attention that my loans originated with XXXX XXXX and XXXX took them over fall of 2014 therefore my late pays from XXXX of 2014 do not fall under XXXX they fall under XXXX XXXX and should be removed. How can XXXX Report to the credit bureaus late pays that were never really theirs? They are reporting false information. As of today I am current on all my student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Calls to Cell # ( XXXX ) XXXX Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) Call History from ( XXXX ) XXXX Diversified Consultants XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX p.m. ( did not answer in time, no message left ) XXXX/XXXX/XXXX XXXX a.m. ( did not answer in time, no message left )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-28
Company: Allgate Financial, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX DEBT EQUITIES # XXXXTo Whom It May Concern, The reason for my dispute is XXXX XXXX  XXXX XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) JH PORTFOLIO DEBT EQUITIES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation JH PORTFOLIO DEBT EQUITIES is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. 
FDCPA I fail to see where JH PORTFOLIO DEBT EQUITIES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Credit Protection Association, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against CREDIT PROTECTION ASSOCIATES. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

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 2018-08-19
Company: EQUIFAX, INC.
State: MN
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 contacted XXXX and Equifax to dispute all hard credit inquiries on my credit report due to fraud and the Equifax data breach and was told that it did not affect me when in fact it did as i have several inquiries that i did not initiate. they were unwilling to help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking account with Bank of America. When the banking statement of XXXX 2019 is not available in my account online, I submitted a request of a PDF file of this banking statement online. The PDF file should be free of charge as it is described online. But they charged me {$5.00} for this statement. When I submitted the request online, there is no charge notification and payment request. This made me think it is free. As I logged in my account a few days later, I saw the {$5.00} charge, and no PDF file in my account. When I called the customer service, I was told as long as I submitted a request, I would be charged {$5.00}. This is very unfair to not notify the charge before I decide to proceed my request. This is a very misleading trick to violate consumers ' interests and 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 2021-09-20
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: Information belongs to someone else

Complaint:
Hello, Please accept my complain regarding the accounts that are nor mine. I do not know the origins of these accounts but its a error in reporting obviously. Someone used y information and filed these accounts below : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX And inquiries to them ^ XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX THANK YOU AND PLEASE REMOVE THEM

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
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:
On the XXXX of XX/XX/2019 my car was repossessed in New York XXXX XXXX the next day I called Toyota Financial Services Collections to know what my options where to get the car back I was told I have reinstate policy and I have to pay that amount for me to get my car back, on the day of the repossession my girlfriend was the one driving the car and she parked on the side of the road while she was in the car and a tow track guy was towing the car she wouldn't let go of the car so the tow guy called the police XXXX not sure what happened but my girlfriend came home and I ask her where my car was she said they took it.So the next day was when I called Toyota Financial services with my options on the car they told me I had reinstate police which I had to pay XXXX to get the car back I did by paying XXXX XXXX so I called them to give them the control number for XXXX they told me I no longer have reinstate police but I have to pay the car loan in full. I have the reinstate police documents they sent me in my mail I would like to know why they said I no longer have the reinstate police.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
After scheduled payments were terminated by the Fifth Third Bank, they failed to contact me or alert me that my account was delinquent and accumulating late payment charges!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-20
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I called them I think XX/XX/XXXX or XX/XX/XXXXsomewhere on them dates they said I had to call XXXX  and get the dates of the inquiries they said they couldn't do nothing about it they attempting to collect the wrong amount of money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021 I sent a letter to remove inaccurate accounts from my consumer report. I have attached the laws in which the credit bureau is violating. I would like the credit bureau to remove all unwanted false information from my report. down below I have the laws that are in violation. I understand the the credit bureau will put on my consumer report that they validated an account by default. which is a HUGE VIOLATION. Without physical proof also a personal investigation of character. This is illegal and I would like all accounts on my report from my letter removed. I would also like all Unauthorized Inquires removed from my account as well. Ive given the required 45 days plus an extra 15 days for investigation. they have not done they job. I want all deleted from my letter. 
15 U.S. Code 1601- Unfair and unethical reporting on consumers behalf. False information.

15 U.S. Code 1692- There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors.

15 U.S. Code 1681- There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In anticipation of selling my vehicle ( XXXX XXXX XXXX ) that was leased with Kia Finance, I made some advance payments in XX/XX/XXXX, thinking that those payments would be immediately applied against my Lease balance. I subsequently determined through conversations with Customer Service Reps that any advance payments made on a Lease are not applied, but rather remain in a " Suspense '' Account. Amounts are only withdrawn and applied to the Lease balance as payments become due. Upon learning this, I contacted Kia and requested that they refund all of those advance payments, but subsequently only received checks totaling {$6000.00}. I subsequently sold my vehicle to XXXX and the lease with Kia was paid off on XX/XX/XXXX. As of that date, Kia Finance still owed me {$1900.00} as a result of those adbance payments I had made back in XX/XX/XXXX. I have made numerous contacts to Kia, and each time I call, they inform me the refund is still pending, and all they can do is send an email to their " Payment Processing Center. '' Everytime I call the response is exactly the same. As of today 's day, it has been more than 4 months since my Lease was paid off, and I still haven't received my refund of {$1900.00}. I am incredibly frustrated and feel totally helpless. Kia Finance operates with impunity, and apparently never even responded to a XXXX XXXX XXXX Complaint I had previously filed. 

My Account # is : XXXX The vehicle description is : XXXX XXXX XXXX The lease date was : XX/XX/XXXX The company name is : KIA Finance The company address is : Kia Motor Finance XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX The phone # is : XXXX My name is : XXXX XXXX XXXX My address is : XXXX XXXX XXXX XXXX XXXX, FL XXXX My phone # is : ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This issue is an existing problem which XXXX and Transunion weren't able to resolve..They provided an itemized printout of what they claim is my billing statement..An itemized printout does not represent verification.. CFPB please fix the account and remove the bankruptcy reported on the accounts 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

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 2019-10-09
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: Was not notified of investigation status or results

Complaint:
I recently obtained a copy of my credit report from Transunion that indicated that a credit inquiry was made by your company on XX/XX/2019 However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. I requested validation by certified mail several times and it was removed from all credit reporting agencies except Transunion.

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