BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX is trying to collect money we don not owe them We were insured by XXXX until XX/XX/XXXX and did not renew. Mean while when we relocated temporary we signed insurance coverage with a different vendor that started in XX/XX/XXXX XXXX claims we owe them money after their policy expired but we did not renew with XXXX In XX/XX/XXXX We received collection letter from Waine & Cainer that we owe {$820.00} We contacted Waine & Cainer and sent them copy of Proof of insurance that we were covered by other carrier at the time XXXX Claims they insured us. 
Several times they refused to except this and kept harassing us. 
Last month they finally excepted that we do not owe this money and said that we are all good. 

Until yesterday, when I received another letter of collection from Pucin & Friedland for the same issue that I thought we just resolved. 
Looks like Waine & Cainer and Pucin & friedland is a related company and just refuses to except that we do not owe any money I just want them to stop this and remove and negative impact on our credit Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
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: Personal information incorrect

Complaint:
I am writing this complaint in protest of inaccurate information appearing on my credit report. I was told that this is a violation of 623, 611 FCRA. My name is XXXX XXXX please remove any other name from my file they are not right. My address is XXXX XXXX XXXX XXXX, XXXX OH XXXX. Please remove any other address from my file they are not accurate : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX , XXXX, VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XXXX XXXX XXXX  XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX , XXXX , VA XXXX XXXX XXXX XXXX, XXXX , VA XXXX XXXX XXXX XXXX , XXXX XXXX , VA XXXX XXXX XXXX XXXX, XXXX XXXX , VA XXXX XXXX XXXX XXXX XXXX , XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH 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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I wish to bring actions against TransUnion for knowingly depressing my credit scores without any valid reason. During the month of XX/XX/2019 to XX/XX/2019, my credit score fell from XXXX to XXXX, reason gives : Oldest account is too recent, Lack of sufficient credit history, real estate account balances is too high compared to their loan amount, too many inquiries on credit report. None of this depiction is back by quantitative facts nor do they reflect the true picture of my financial management practices. 
*Oldest account is too recent/Lack of sufficient credit history : as a hold of a security clearance I made it a practice to live well within my means by not creating debt. Transunion should not be able to depict my credit standing as poor for managing my finances as recommended by the Adjudicative Guidelines. 
https : //www.consumerfinance.govXXXX *Real estate account balances are too high compared to their loan amount : This statement is without any form of supporting evidence of facts. My home was purchased for {$270000.00} XX/XX/2019, my current balance as of XX/XX/2019 is XXXX ( I have paid off {$6800.00}. ) Who are they comparing my mortgage to and what balances can provide to warrant this statement? 
*Too many inquiries on credit report : the inquiries listed are duplicates in which I have to ask to be combined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed a car loan on my credit from XXXX XXXX XXXX. I never purchased a car from this creditor. I contacted the creditor and told them that I never purchased a car from them. They stated that it was done in a different state. I have never been in that state. Now they are reporting late payments on my credit. I sent them an FTC FRAUD AFFIDAVIT and informed them that this is fraud. They refuse to remove this rom my credit knowing there is a car out there in my name through them and IT IS FRAUD

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 2018-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a car from XXXX XXXX in XXXX. I was initially told I was purchasing a XXXX and signed a retail installment contract to cover the XXXX XXXX  GAP insurance and financed car note. After signing the initial contract, I noticed the car I purchased was a XXXX. I went back to the dealership and they drew up another contract, but this time it was electronic. I was also told that I would be able to register the car in California even though I purchased it in Ga. After 6mo of going back and forth with the dealership and not be able to operate my vehicle due to it not being registered. I made a complaint to XXXX. The lender who financed my car was still accepting the payments even though my car was not registered. The dealership would not give me a dealer plate to operate the vehicle. After the complaint, I received an email stating to not take my car to XXXX from someone in their corporate office. I already had GAP protection and an additional vehicle protection plan that covers me for XXXX miles. I had to take my car to XXXX XXXX XXXX in XXXX because I was told each XXXX is an independent dealer and I could not get serviced there, so I had to pay out of pocket for warranty services that should have been provided. In addition, I began to have safety issues with the parking break disengaging while in park. One incident led to the car rolling out of it's parking space after I engaged the parking break, locked the door, and left the car alone. This continued to happen several times. I consulted with a XXXX lawyer and requested the car to be repaired. XXXX made me an offer saying they would give me cash and extended warranty and also told me to take the car back to the dealership that changed it's name from XXXX for an exchange or repurchase of the car. On my final demand for repair, I contacted my car loan lender to let them know and was told the car had been charged off, but not in repossession. XXXX and the dealership has caused this charge off because they did not follow through with their offers to cover the issues that are under warranty according to thev4th and final repair under XXXX law. In addition the car was kept for repair over 30 days and nothing was repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an email from a real estate agent yesterday indicating that my home is currently advertised with an active rescheduled mortgage foreclosure sheriffs sale date set for XXXX XXXX, 2018. I never received notice from Bayview Loan Servicing or XXXX XXXX XXXX XXXX XXXX about this rescheduled sheriffs sale. Also, although mortgage foreclosure prevention options have been requested numerous times by me and my attorney, Bayview has not communicated them. 
Resolution and mortgage foreclosure prevention action is urgently needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: PNC Bank N.A.
State: PA
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:
My name is XXXX XXXX I have a virtual wallet with you, sometimes I make mistakes but always make sure my stuff ends up getting paid, I couldnt even get approved for the one card I applied for I truly like this bank and would like to stay with you guys, my partner has ten accounts with you, I just would like to just use my Pnc credit card that I keep getting denied a lot of my credit report is inaccurate and Im going through firms to try and clear it up but it just doesnt go anywhere. I would hate to leave this bank because they can trust me with a credit card my partner has been with you guys for over 20 years and has more money saved away than most, I just truly would like to get the Pnc points credit card. Im sorry for bothering you guys. I just dont want to stop going through Pnc because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
State: NV
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:
These are not my accounts. This a second request to have them removed. I am not a credit repair company nor a mortgage company. 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 2019-06-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is a followup to complaint # XXXX. I mailed a check for the final amount and notified PayPal Credit to close the account. The check was sent via Certified Priority Mail with a return receipt on XX/XX/XXXX. It arrive at their post office on XX/XX/XXXX at XXXX XXXX. according to postal tracking records and as of XX/XX/2019 XXXX EDT PayPal Credit has not picked up the payment. 

I send this information for your records, because I believe PayPal will claim that the payment was late and want additional late fees and service charges or simply refuse the accept the payment and keep the account open continuing their predatory practice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORTED ON XX/XX/2019 and XX/XX/2019. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 

Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full. 
2 ). You agree to remove any and all derogatory reporting from all credit bureaus including XXXX, XXXX  & Trans Union and any others your currently reporting to. 
3 ). All collection attempts & activities shall cease. 
4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector. 
5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

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 2019-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have had two credit cards with Capitol One with large credit limits for more than 14 years and have never missed a payment. I added Authorized users to my account, they requested I provide them with copies of the persons drivers license and Social Security cards via a secure link they provided. The other day I had finally got the last copy of the Social Security card and uploaded to the link they provided. A day or so later, I tried to purchase electronics for my business and it was denied. I called Capitol One and was told they had closed out both my credit cards and my reward points were forfeited. I called them again today and was told there is nothing they can do to reinstate the cards or refund my reward points. The reason they are giving me for closing the accounts is that they can't verify the documents I provided. I provided copies of front and back of the drivers licenses and Social Security cards as they requested. Is there anything I can do to get these cards reinstated, refund of my rewards points, and have them correct my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I sent a by certified mail an Affidavit of billing error dispute to Bank of America certified mail # XXXX XXXX XXXX XXXX XXXX requesting answers from questions enclosed in mentioned affidavit and said affidavit was not answered neither was it rebutted. 
On XX/XX/XXXX then sent a notice of adequate assurance of due performance via certified mail with number XXXX XXXX XXXX XXXX XXXX to the law firm who was acting in the capacity as a debt collector for Bank of america as also a copy was sent to bank of America and no question was answered. I found out that a law suit was filed against my name in XXXX county court house by said law firm. I was still receiving mail re debt even though I had unanswered questions from previous notices I had sent out. In XX/XX/XXXX I sent out a notice and demand to cease and desist collection activity via certified mail XXXX XXXX XXXX XXXX XXXX to Bank of America. sometime after my last correspondence with the institution I found out that the law suit was withdrawn without prejudice of which I manage to obtain a copy. On XX/XX/XXXX I sent a notice for request of confirmation via certified mail # XXXX XXXX XXXX XXXX XXXX then I sent a notice of breach of agreement via certified mail # XXXX. In XX/XX/XXXX have learnt that there is another law suit in the county court against the name. this was done via for Bank of america. Am looking to have this matter resolve and said institutions are not proving any assistance and i have found them to be in breach of several United states code. am requesting your assistance in settling this matter 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 2020-06-23
Company: World Omni Financial Corp.
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:
At the end of the lease termination due to ( military orders ). The  Vehicle was returned with less than 36,000 miles. When I purchased this lease, the dealership told me the lease is for 12,000 miles per year or 36,000 for three years. The vehicle was returned after two years and the mileage was at 29,000. I have leased with other car companies before and I have also terminated pervious vehicle leases because of military orders and Ive never have a problem before as long as the vehicle did not Exceeded 36,000 in three year period. Also I am getting charged for a disposition fee. I dont understand why I have to pay this fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report as soon as possible. 

XXXX {$130.00} XXXX {$440.00} CHAPTERXXXXBANKRUPTCYDISCHARGEDXXXX

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 2019-06-18
Company: Experian Information Solutions Inc.
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:
A man came to my door to ask if I wanted to have solar panels on my house for free. He said no cost to me. He took some information from me and the next thing I know. Im getting an email signed by me that they can check my credit bye never asked to check my credit, never gave paperwork for me to review, I never signed anything. The agent did this all without my permission.

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 2019-06-18
Company: EQUIFAX, INC.
State: CA
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:
Please review the attached documents. I sent a letter along with an enclosed check for {$110.00} dollars. In the letter I stated the following : Enclosed is a check for {$110.00} for the above mentioned account XXXX. 
Upon cashing this check you agree to the terms of this letter ( hereinafter contract ), the terms are as follows : 1 ). Account shall be settled as paid in full.

2 ). You agree to remove any and all derogatory reporting from all credit bureaus including Experian, Equifax & Trans Union and any others your currently reporting to.

3 ). All collection attempts & activities shall cease.

4 ). You agree not to sell or transfer this alleged account to another collection agency or debt collector.

5 ). If you dishonor this contract or violate its terms you agree to compensate me in the amount deemed reasonable by the court and that this agreement is a Cognitive Contract and you agree to Summary Judgment against you. 

I sent the letter certified and asked for return signature. They cashed the check but failed to comply with the terms of cashing the check. I also wrote the same information in the Check Memo section.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
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: Information belongs to someone else

Complaint:
To whom it may concern : My identity has been stolen and accounts had been opened in my name with out my knowledge, this report is been created in effort to clear my name. A copy of my drivers licence and a utility bill is attach to confirm my identity. I am requesting that this account must be removed from my credit report as per the FCRA fraudulent account must be removed from consumers credit report.

Company response to consumer: Closed with explanation