BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Requested an account modification by reducing payments or increasing the number of payments in XXXX. I was denied supposedly because they couldn't reach me. But, I received the denial letter. I paid the car note then we experienced another hardship due to Hurricane Barry. I requested another modification on XX/XX/XXXX and the papers were emailed on the same day. I had until XX/XX/2019 to submit the information. On XXXX the XXXX the car was repossessed during the night like I was a fugitive on the run. Now that the car has been repossessed and sold, I'm being offered a repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: 21ST MORTGAGE CORP.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company is XXXX XXXX XXXX the issue is that I told them so many times that I can not pay my mortgage on the first of each month because the way money comes in. I have a good credit and I was never late Ill pay my mortgage around the XXXX XXXX or XXXX of each month therefore Im not late because of the grace period time that is given to us until the XXXX. They had stopped for a while but now again I called them again and they said that they will not stop calling ... .I get calls every day after the first and on emails attached to the call ... I think this is an harassment. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This complaint is regarding account # XXXX '' payment after charge off/collection, purchased by another lender '' which you claim that has verified that account. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.This is a formal notice that your claim is disputed. Any automated response or XXXX verification is unacceptable. I requesting a reinvestigation and last chance to provide me method of verification I am requesting validation, made pursuant to the Fair credit reporting act along with the corresponding local state laws.

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 2019-10-11
Company: Central Portfolio Control Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company ( CBC ) repeatedly calls our business looking for people. We have told them that we are a school district and demanded they stop calling. Also reported them to the XXXX  last month. They are still continuing to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to be FIX immediately :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Multiple individuals have been calling from different phone numbers on behalf of " Portfolio Recovery Associates ''. Because of that, I have not been able to block these unwanted calls. The callers claim to have a " personal business matter '' with me, and ask me for sensitive information that includes my name, social security number, and date of birth. The callers have also stated that they want to collect a debt, and that the calls are recorded. 

The " Portfolio Recovery Associates '' appears to be either owned or associated with PRA Group , Inc XXXX XXXX Virginia ). The callers are either employees of such organizations, or individuals representing such organizations. 

I have informed them that ( a ) I do not have any " personal business matter '' with them, ( b ) the debt that they are collecting is not mine, ( c ) I am not responsible for the debt their collecting, and ( d ) I am not the person that they claim to be seeking. 

In one of the calls, the " Portfolio Recovery Associates '' representative provided last 4 digits of the Social Security Number, and year of birth of the person that they seek. Those numbers are not mine, and I informed the representative that that person is not me. I also asked that their company stop calling me. 

I have on multiple calls asked the representatives to stop calling me, and that they remove my name and contact information from their company lists and records. I also told them that they were harassing me. 

The company keeps calling me, harassing me, attempting to collect personal information, and fraudulently attempt to collect money from me. 

I am requesting that the company and any of its associates and representatives, stop contacting me now. I am also requesting that they remove my personal and contact information from all of their systems and records. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-11
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX loan for my XXXX XXXX was signed in XX/XX/XXXX. 

The car was stolen in XXXX. 

XXXX charged off debt balance and sold debt to Portfolio Recovery Associates. 

Portfolio recovery associates continues to report debt balance as new or current. I disputed the information twice with XXXX XXXX and the credit bureaus. 

I also mailed a copy of the loan agreement that states the date signed of XX/XX/XXXX. 

The account for XXXX XXXX is also being reported as new and current. This loan card is also older than 8 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax has continuously been deleting inquiries off of my report and reinserting them without legally notifying me and there are several inquiries on my report that i have disputed and requested to be removed due to identity theft. They refuse to remove them even after a fraud alert has been placed on my account these inquires are causing me constant denials in obtaining any type of credit because there are over 60 of them. I have disputed them on several occasions only to have the results back within 24 hrs stating that they are accurate. How are these " investigations '' being done so fast?? I would like the inquiries removed ASAP or investigated the PROPER way. they are listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX,XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO 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 auto finance XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Services XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX of XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX of XXXX XXXX/XXXX/XXXX Via Section 611 of the FCRA I am to be notified within 5 days of any changes to my credit report . They have REPEATEDLY refused to remove these from my credit. PLEASE REMOVE ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-18
Company: JPMORGAN CHASE & CO.
State: NJ
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:
On XXXX XXXX I received an email to thank me for my XXXX purchase. 
I didnt make a purchase and called my Chase Credit card to report the fraud. The man on the phone named XXXX told me not to worry Im not liable and would close the card and issue me another one. I also spoke to him and told him I would call XXXX because on the email it said that the order was to be picked up and I wanted to warn them. 
When I received my new card the amount was still charged on it for {$100.00}. 
I called and spoke to them again and they said they will look into it and get back to me. I received a letter from the fraud department saying that I received benefit from the transaction. I called again and they told me that they dont need to give me that money back because it was on my XXXX account. I explained that I didnt do it and they told me to get a police report and send. I did that and the email they gave me didnt work so I called again and spoke to XXXX who told me they dont need that and theres nothing they can do. That I need to talk to XXXX to get my money back. I closed my account with them I was so angry. The police couldnt beieive it. They are now requesting video.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A debt collector is demanding payment of a 2011 weed abatement lien for the City of  XXXX FL. I told them in writing I sold the property over a year ago subject to all the liens so the debt is no longer mine. They verified with the city that the debt WAS mine when it was incurred. 
I called the city tax collector office and the gentleman wanted to know whose authority were these debt collectors going under? 
I 'm sure they bought my account cheap from a previous collector who appropriately ceased contacting me years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I have been disputing this account for over a year and nothing has been resolved. 
PER 17 CFR 248.7 by law, XXXX XXXX XXXX XXXXXXXX  and equifax XXXX XXXX XXXX XXXX were suppose to have sent me an opted out letter before putting any information on my consumer report, and they never did .They have been reporting fraudulent information on my consumer report I and they continue to report illegally to my consumer report. Due to the privacy act of 1974 it is very illegal to obtain my information without notifying me first, I have no knowledge of this account i have no knowledge of who these person are. I have never given this company my information and the way my information was obtain is a privacy act of 1974 concern. Per this federal law 17 CFR 248.7 I am opting out of this company reporting information to my consumer report. I do not want my information in their system due to the privacy act of 1974. According to 15 USC 1681C-2 They have 4 days by law to remove thier information from my consumer report I have sent them an opted out letter at this point on both companies it is now willful noncompliance 15 USC 1681n .

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received the loan from 21st mortgage on XX/XX/2019. they advertise loans with 10 percent interest rate and terms upto 23 years. Our loan is for 10 and one half years and interest of 11.74. I believe they discriminate based on age, giving higher interest rates and shorter terms to older consumers. 
I contacted them with my complaint and they gave me a bogis answer that I never heard during our loan application process. At the time of our loan negotiation that excuse was never mentioned. My loan is for a small mobile home on rented land, we gave 10 percent down and ended up with a loan amount of {$45000.00} with payment of XXXX per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our house burnt down on XXXX/XXXX/XXXX in the middle of the night. We only had the forced mortgage insurance because XXXX cancelled us. My issue is : We received a payment from the insurance company for XXXX and we owed XXXX We received the check and decided to send it to the mortgage company to pay off the balance of the loan. Ditech is foreclosing on us, so now with the attorney fees they are stating that we owe XXXX. They still haven '' t even applied the XXXX towards our principle balance and they are still charging us monthly for homeowners and flood insurance on a house that had been condemned through XXXXhe county. I even received a call a couple weeks ago asking if I wanted to make payment arrangements for the past due balance of XXXX. I explained to the rep that I sent them a check for XXXX a year ago. The rep looked further into it and say the payment. They did not understand why and would open up a inquiry but t hey always are saying that to me. We can not afford a lawyer. We are on 1 income with XXXX XXXX daughters. My husband is having serious XXXX issues and other health issues. Please HELP!! We are in desperate need of it. We already lost everything in the fire because the insurance only covered the dwelling. ( Not the contents of the house ) The fire was a total loss. You can XXXX my wifes name XXXX XXXX and see when XXXX XXXX came out and asked to take pictures of the house the day of the fire.The county came and tore the house down and is now charging me. Charges are listed below. 

The cost that will be owed if paid by XXXX XXXX, XXXX is below : Title search : {XXXX  Demolition : XXXX Administrative : XXXX TOTAL XXXX PLEASE PLEASE SEE IF YOU CAN HELP. WE DO NOT KNOW WHO TO TURN TOO. ALL WE WANT IS OUR PROPERTY. 

I can be reached at XXXX. 

Thank you, XXXX and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Experian Information Solutions Inc.
State: LA
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 SENT XXXX LETTERS TO XXXX, XXXX AND EXPERIAN. THEY HAVE NOT RESPONED TO REMOVE ANY OF THE ADDRESSES. IT HAS BEEN OVER 60 DAYS AND I NEED THEM TO REMOVE THE INFORMATION ASAP INSTEAD OF SENDING ME A CREDIT REPORT OR I WILL GET MY LAWYER INVOLVED.

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 2019-10-11
Company: EQUIFAX, 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 am very concerned regarding the serious possibility that the Three Credit Bureaus did not conduct a reasonable re-investigation concerning my dispute dated XX/XX/2019, to determine if the disputed accounts are reporting accurate information. The bureaus verified XXXX XXXX XXXX, and XXXX XXXX are reporting correctly. 
How can this be ... ... .when reviewing the accounts on my credit reports # XXXX, XXXX XXXX XXXX and there are several inaccuracies. 
1. XXXX XXXX XXXX and XXXX and XXXX  accounts are reporting under the Other Accounts section which makes the collections accounts report as a trade line with an account history. 
2. Incorrect account type listed as Open. 
3. Incorrect Account status as Collection Account 4. Indicating closed in parentheses does not make it a closed account ... .there must be a closed date and something reported under the Activity Designator. 

According to the Metro 2 guidelines XXXX XXXX XXXX and XXXX and XXXX are Third Party Collection Agencies, whether it be Debt Purchaser, Factoring Companies, Debt Buyer or Attorney these accounts can only report certain information and should be reporting in the collection section of any credit report. 
1. Debt Collectors are only allowed to to report 3 account type codes which are 48, 77, and OC. 
2. Also, Debt Collectors can only report the ACCOUNT STATUS codes of 93, 62 and DA

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

Complaint:
I submitted an investigation dispute with Equifax on XXXX/XXXX/XXXX and as of today XXXX XXXX, XXXX the dispute is listed as pending. They have date of completion listed for XXXX/XXXX/XXXX. They have passed the 30 investigation limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Arivo Acceptance, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Didnt authorize credit pull only asked for rough numbers and did not authorize dealership rep

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: Early Warning Services, LLC
State: MD
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 XXXX XXXX XXXX is writing you to inform you that you are in violation of the 15 U.S.C. 1681a ( d ) ( 2 ) ( B ) any authorization or approval of specific extension of. Credit directly or indirectly by the issuer of a credit card or similar device. The definition of a credit card in 15 U.S.C 1602 ( I ) the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. You are in violation of 15 U.S.C.1681n ( a ). any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION (AND HAS A RIGHT TO DO THAT) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED (AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?
This makes no sense, being they cannot do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.
Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error...whatever, they should have the ability to go in and correct the FICA score and according to XXXX, they are not allow to do 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 2017-10-02
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I believe I was a victim of the Equifax security breach. I believe someone used information from my Equifax credit report to apply for and open several bank accounts. They also were able to obtain my banking information and were able to obtain an card linked to my money market savings account. The used this card to charge over {$10000.00} in international charges and transferred over {$4000.00} to an international account. Also, a Change Of Address form was initiated with the USPS.

Company response to consumer: Closed with explanation