BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: 3rd Generation, Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
California Auto Finance Customer Name : XXXX XXXX Acct Number : XXXX I have a car that was finance by California Auto Finance, I was behind for my payment for just more than 10 days. California Auto Finance added insurance to my payment despite sending the proof of insurance to them and their staff calling and verifying the insurance to the company. I called and spoke with a representative named XXXX. I asked for information regarding deferment, since there is a hardship on my part XXXX explained to me their deferment policy and she said that she will transfer me to the collector that was assigned to my account. Upon transfer the collector was very rude and immediately asked " What do you want? '' I explained to her my situation and she did not even let me finish and say we do n't offer deferment. I explained to her that the other representative said that they do but she keeps on reiterating " We do n't offer deferment '' this time she said that " You need to send your payment we ca n't wait for it anymore ''. Despite this I continuously communicate with them through email and explained to them my situation. On XXXX/XXXX/2016, I received a call from a old colleagues of mine that I have n't talk in a while. They reported to me that a collector from California Auto Finance called them stating that I need to pay my debt to them or they will lock down the car. This a complete violation of Fair Debt Collection Practices Act. Specially in the state of California law where original creditor is also consider as the debt collector. FDCPA states that Debt Collector can not ask third party to pass on a message, which in this case they completely violates. FDCPA also states that debt collector can not call third party more than once and can only ask to obtain or confirm location, again California Auto Finance Completely Violated. FDCPA also prohibits them from revealing consumer debt, which again they violated. FDCPA also prohibits them from harassing or stating any threatening words and for them to say that they will shut down the car despite of negotiation and sincere efforts to pay the debt is just a blatant harassment. Not only that California Auto Finance has no customer service, they 're collectors are treating their customer inhumanely. California Auto Finance must remove and stop contacting individuals on my references. They are also more than willing to testify in court of law if I decided to pursue court actions against them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Transunion is showing that XXXX XXXX KY has an outstanding lean on me in the amount of {$320.00} however that balance was paid by my XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Trans Union Dispute Department XXXX, PA XXXX XXXX ( SSN # XXXX ) XXXX, Georgia XXXX Dear Credit Reporting Agency, I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g Section 609- Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. " This Is Not a Dispute '' Public Records-Judgments XXXX XXXX XXXX Court ( I never served with the appropriate paperwork. Please accurately report this information or delete from file. ) No Plaintiff. 

Identification Number # XXXX Claim Amount {$32000.00} I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g Section 609- Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed. Please communicate your intentions in writing. 

Regards, 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 2016-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My auto loan through ally XXXX XXXX is in good standing and when I make my payments every month I get no credit score increase for 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
Consumer complaint received 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the following credit inquiries on my TransUnion credit report both online and over the phone. I was told these inquiries would not be removed by many rude representatives. I have a fraud alert on my credit report and these inquiries need to be deleted as none of them are mine.

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 2016-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have reviewed my credit reports from XXXX and Transunion and they are reporting incorrect information such my name, missing employment status and the name of my employer, incorrect accounts, incorrect balances, age of credit, auto loans, an relating my name and social security to a person I have no relation. 

This affects my overall rating, access to credit, interest rates, among other information frequently used for background check. I notified my inquiries to them but no change has been made. Their lack of ethical practices is damaging my credibility as a trustful credit, I need to have them fix the reports to show what is really my income sources and creditworthiness as well as avoid potential identity theft.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
all XXXX bureaus failed to correct XXXX Mortgage reporting inaccurate and incorrect information about current payment status

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I checked my credit score recently after i had some things removed that were negative marks on my credit and was told by credit bureau my credit score would go up. I had a XXXX score at the time and score went down instead to a XXXX currently which I believe should not have happened. when you clean up your credit which I did credit should improve. I talked with the credit bureau of trans union and they just kept telling me the score is correct. If you examine my credit you will see all my bills are up to date paid and only 1 recent late pay XX/XX/XXXX. No judgements or derogatory marks are on my report at all. How could my score go down when you get the bad things on your report removed? Please look at this and have transunion correct this problem. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have submitted a letter dated XXXX/XXXX/2016 from XXXX XXXX Bank. They state in the letter that on XXXX XXXX that they had removed foreclosure started from my credit report.They state on XXXX/XXXX/2016 they notified Trans Union Credit Company to remove this on-going report.They apologized for the inconvenience. The letter was signed by XXXX XXXX EXECUTIVE RESOLUTION SPECIALIST XXXX XXXX. She is available Mon, Tues, Thurs, Friday XXXX-XXXX Central time. She is the only person dealing with this. Document/Verification is at CFPB

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 2017-01-28
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
On XXXX/XXXX/17, I received an email notification from Big Picture Loans reminding me of a loan payment due on XXXX/XXXX/17. I contacted their Customer Service Number on XXXX/XXXX/17 requesting to delay my loan payment until XXXX/XXXX/17, as my Employer changed my Payroll Schedule from Semi-Monthly to Bi-Weekly, effective XXXX/XXXX/17. When I initially stated this to the Customer Service Representative, before she could give me a response, she insisted she could n't even address this issue until I first request my Social Security Number ( Mind you, I had given the Customer Service Representative my Loan Number, and she stated { As the phone call was recorded } she pulled up my account ; BUT, as part of Big Picture Loans Verification Process, she would need my SSN ). After going back and forth, I reluctantly acquiesced ; and she then tells me she ca n't extend my loan payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. 

A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. 

Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. 

What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. 

I would like from XXXX XXXX : 1. A letter admitting their error. 
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-16
Company: RoundPoint Mortgage Servicing LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint failed to pay the yearly premium for our homeowners insurance that had been coming out of our mortgage monthly payment. Upon calling them several times, we found out that they " forgot ''. In order to reinstate our home owners insurance, we had to pay a fee which we are now fighting to get back from Roundpoint. Today we made several unsuccessful attempts to speak with someone regarding this matter but were continuously rerouted, hung up on and given the run around.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX BANK CARD XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SERVICES, XXXX I XXXX XXXX XXXX, have violated my rights. 

15 U.S.C. 1681, section 602 A. States I have the right to privacy.

15 U.S.C. 1681, Section 604 A Section 2 : ,This section provides that the consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1666 B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: KEYCORP
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I recently became unemployed and reached out to Key Bank for a work extension. They initially told me to get my start date of my next job, which I did then they told me they also needed my salary which I am waiting on for HR to call me with that information. When asking keybank about lowering my payments from a whopping XXXX a month they said that this is something they could not do because I had exhausted my 18 months ( for the entire loan ) of deferment/forbearance time. They told me to contact XXXX XXXX who I pay the loan through to see if they could lower payments, which I did and they also said there was nothing they could do either. They checked to see if I could get graduated payments which would lower payments for a number of payments then skyrocket payments towards the end of the loan which is not the goal either. I understand that I am responsible for the loan and the payments however no one is willing to work with me in order to make the payment of the loan more reasonable. They keep telling me there are stipulation and regulations that must be followed. At one point when I first started paying the loan back, one customer service representative told me I should have done better financially preparing and that there was nothing they could do. I am an XXXX going into my XXXX year of XXXX and sadly enough after getting and completing several degrees I still do n't make nearly enough money to comfortably pay my bills and student loans. I will not make over XXXX dollars in this upcoming XXXX year. I would think after completing my XXXX degree it would be different and it is n't. I would be okay with a lower interest rate or lower payments, something more reasonable like XXXX to XXXX monthly. Keeping in mind that I still have federal loans to also pay for. Again I am aware that this is my responsibility and I am not trying to get out of paying the loan, but for each company to continue telling me there is nothing they can do is unacceptable. Its as if they do not care to work with you to make sure the loan gets paid. Since I started repaying this loan back in XXXX, I have been on time with the payments. I would love some help to better help me pay this loan on time and more affordably. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: KEYCORP
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Friday ( XXXX/XXXX/16 ) I went to a Key Bank location close an account on behalf of my deceased mother. I had all the appropriate legal documents to close the account. The nice Key Bank employee informed me they could not close the account because the " system '' was down. The Key Bank employee had no idea when the system would be functional again. I called today ( XXXX/XXXX/16 ) and Key Bank 's " system '' is STILL down! So I still can close the account. The Key Bank employee I spoke to today ( XXXX/XXXX/16 ) says they STILL have NO IDEA when the system will be functional. Almost unbelievable that the system would be down this long!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We have requested information from roundpoint concerning payment information this company has refused to follow legal documents and have added all types of additional fees and interest, we have sent in copies of documentation this company refuses to follow and know sent a default and intent to accelerate we have all receipts from making good faith monthly payments

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: O&L LAW GROUP, P.L.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a settlement that I am paying off through Attorney XXXX at O & L Law Group XXXX, FL XXXX. 

The settlement is for {$4700.00} and payments began in XX/XX/2015. I have sent written communication to this debt collector over the past 6 months requesting the account balance. I have yet to receive any communication from this debt collector regarding my account balance, however did receive a letter that my payment was late with them one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My father passed XXXX XXXX, 2016 he had a home equity line of credit and insurance to pay it off purchased in the home equity. I spent 5 month trying to get a amortization schedule from bank providing the death certificate and the will to bank by XXXX XXXX if not sooner. took till XXXX XXXX, 2016 to receive this document. then payment was made by insurance company on XXXX/XXXX/2016 applied XXXX/XXXX/2016. was told that the funds would be transferred back to checking account and lien release would be provided in 10 business day. on XX/XX/XXXX i called as nothing occurred and now they claim all they have is death cert and nothing else. i provided this to branch in XX/XX/XXXX and to XXXXXXXXXXXX on XXXX XXXX, 2016. Resent XXXX XXXX, 2016

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: Arcadia Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a debt keeps appearing under my name which I do not have,

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 2016-07-21
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech applied my loan payment to escrow. I did not ask them to do this, nor did I authorize this. The payment was posted XXXX XXXX, 2016 in the amount of {$720.00}. I contacted them on XXXX XXXX, 2016 because they are showing me as past due, which I am not. They show me as next payment due XXXX XXXX, 2016 which is incorrect. They were to have " reallocated '' this misapplied payment and as of this writing they have not. By tem making this error they affect my pay for performance ( timely payments ) incentive ( which to date they have never fixed, despite responded XXXX XXXX admitting they owe me this ). Regarding my current issue they need to fix this immediately and correct the misapplied payment and show my account as current. Also, they have yet to notify me of my new and correct monthly payment since having the lender based forced flood insurance requirement removed. They muddle what my actual payment is so that nobody can make sense of it. I do not know what I am supposed to pay these people every month.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I am trying to rent an apartment and the renter ran a credit report on me through Transunion and was unable to get any information. I also tried getting my free annual credit report though Transunion and XXXX and both would not give me any information. I was able to get my report using XXXX though.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Experian is attempting to Delay an investigation that is taking almost 6 months to complete On XX/XX/2020, XX/XX/2020 and XX/XX/2020, I have asked Experian to Verify the accounts on my credit file are Accurate and complete and they have failed to investigate. According to the tracking numbers, they have been delievered and received by Experian. Over 120 days have passed and Experian has not produced the result of their investigation with an updated report on my credit file Again, attached is my Identification and proof of address

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