BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-10
Company: Resurgent Capital Services L.P.
State: NM
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:
XXXXXXXX XXXX XXXX XXXX XXXX LVNV FUNDING LLC XX/XX/22 RE. We already disputed this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-15
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: AL
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:
Hello, In XX/XX/XXXX I contacted XXXX XXXX XXXX to tell them they are reporting my installment contract incorrectly and it is showing on all 3 credit bureaus as a mortgage. I have been turned down several times for an FHA first time buyers home loan because of this. I bought a trailer from Vanderbilt on an installment contract. This was not a mortgage, it was an installment contract - no land was involved, nowhere on the contract does it say mortgage, I did n't sign a mortgage, there is no mortgage recorded in the public records and the trailer is on a rented lot in a trailer park with the wheels and axles still on it. I voluntarily surrendered the trailer in XX/XX/XXXX. Per my request, Vanderbilt sent me a Letter on dated XX/XX/XXXX stating this was not a mortgage foreclosure but it is still reporting on all 3 credit bureaus as a mortgage, preventing me from buying a house. I 'm not sure what to do. I have been paying for services from XXXX for about 6 months trying to get my credit score up and now it was all for nothing because I have been turned down by several lenders because of Vanderbilt and now those hard inquiries have dropped my score from a XXXX to a XXXX. Please let me know if you can get this account to report as an installment agreement instead of a mortgage. 

Thank you so much! 
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 2022-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I reached out to Bank of America on XX/XX/XXXX at XXXX XXXX  and spoke to a representative from Arkansas, I told him that I opened an account back in XX/XX/XXXX and the reason for opening an account was because it was advertised that there would be a {$200.00} credit on my account, if I were to spend {$1000.00} within 90 days ( according to the fine print ). I realized I never received it, after looking into my account and I spent that amount way before the 90 days, but it was not credited to my account. 
The representative mentioned to me that he couldn't apply that promotion because it was too late. I told him that promotion should be honored and that it was not my fault that it was not credited to my account. I asked to speak with a manager and his manager ( XXXX ) would not speak with me and would tell the representative what to say to avoid talking to me. I asked to speak with the manager twice and the representative made excuses for him. VERY UNPROFESSIONAL!! If this is not honored to my account. I will be escalating this matter to court. This is False advertisement and very misleading and Now I'm wondering how many people this has happened too??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX Capital one took 2 payments out of my bank account. I stopped payment on one and had it returned. In XXXX, I made my payment like normal. Assuming it came out. I went to make my XXXX payment and it said they did not receive my payment that it was returned. I pulled my bank statement up. There was no draft attempted. I called Capital One they said my bank rejected it. When I called my bank bak they said the reason they rejected it was because I stopped payment in XXXX when they double drafted. Both situations were of no fault of my own. I submitted paperwork and they would not remove the late payments. In additional on one credit report it states 60 days late in XXXX and XXXX and on the other 30 days. All should be pays as agreed and not late.This was Capital One and the banks fault not mine and I have the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XXXX of XX/XX/2022, My paypal account got shut down without any warning whatsoever..just out of the blues I received an email informing me that my PayPal account has been permanently closed. They said the reason for closing the account is because I had continually filed cases that do not align with paypaos 's buyer protection policy. This was clearly a mistake because my account has not filed any single case since ir started operating so I was quite shocked. 
Paypal email address is " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: VA
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Trans union keeps changing my credit score by XXXX plus points on information that is not correct. I don't do any thing because it is an ongoing thing. I am tired of my scores dropping because the company can not keep its records straight. Why am I over XXXX with one company and in the low XXXX with Trans. I don't get it. They seem to do as they please. This affect my life. If it didn't I wouldn't care but it does. Do I believe this will make a difference, No. If I don't say anything, I have nothing to complain about, if nothing is done. These credit companies can not be allow to do as they please with peoples personal information. Tired of lies and misinformation about me in the public arena.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account ( XXXX XXXX Account # XXXX ) was properly investigated but how is that when possible if the date opened is inaccurate, the account detail type is inaccurate, high credit is inaccurate, the credit limit is inaccurate, date last reported is inaccurate, last date active is inaccurate, and the date od last payment is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 2020-01-03
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried to resolve this through several emails and calls with the MyLoanCare, with varying support and guidance each time I connected with the company ( i.e. request an escrow analysis, open the tax line, provide certain documentation, etc. ). I work for a bank and often handle CFPB requests ( for a different product ) so I'm only writing this complaint as a last resort. 

When my taxes were paid in XX/XX/XXXX it was at the non-homestead rate, approximately {$8500.00}. That amount was correct, as we did not have the homestead exemption for that year. I am NOT contesting the tax payment that was made in XX/XX/XXXX. However, when we refinanced our home ( this loan was then sold to MyLoanCare for servicing ) in XX/XX/XXXX, we were then able to successfully file for homestead on this property. This exemption effectively reduces our tax bill to approximately {$4200.00}. 

I provided the required documentation to MyLoanCare including the homestead approval, deed to the house, and tax assessor assessment record. I have attached that documentation to this complaint. My remaining issues are : 1 ) The estimated tax disbursement is FINALLY reflecting the {$4200.00} payment. However, the corresponding escrow amount is still accruing to the {$8500.00} rate ( actually higher, see issue 2 below ). This is resulting in an over-accrual for the tax disbursement that will occur inXX/XX/XXXX. 

2 ) When an escrow analysis was completed ( either per a request I filed or per usual company procedures ), it projected a shortfall of {$2.00} for the year. First, this analysis was done using the higher {$8500.00} rate. Second, the company has increased my payment by approximately $ 50/mo, or {$600.00} for the year, to cover this projected shortfall.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
The credit bureaus stated my account ( XXXX  ( XXXX XXXX ) Account # XXXX ) was properly investigated but how is that possible if the date opened is inaccurate, the date last reported is inaccurate, the last date active is inaccurate. This is grounds for removal. They also violated my rights under 15 USC 1681 Section 602 A states I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions. 
Also the credit bureau took more than 30 days to complete my investigation here is my certified tracking # 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 non-monetary relief
Consumer complaint received 2022-10-03
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, EQUIFAX and XXXX credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a target credit card on my credit. It was included in the bankruptcy from 2015. About XXXX months ago the company switched it from bankruptcy and made it look like its an active collection with XXXX lates!! I have NEVER been late. I have all of my bills on auto pay. I would like to have a corrected or removed. I have asked him XXXX times now and have not gotten any help. I am trying to buy a home and this is the only account hurting that. Its very frustrating! Especially when Ive asked numerous times to have it corrected. Its like we have no voice against these companies reporting what they want. Flagstar is also reporting incorrectly and XXXX  XXXX lates are incorrect. None of this was reporting like this until a few months ago. Its like someone went in and changed my credit purposely. All of my accounts went out of whack

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX, XXXX and TRANSUNION credit bureaus the method of verification for disputes. In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. Here are the items that needs to be remove in files : XXXX XXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$760.00} ; XXXX SELF-REPORTED XXXX Balance Owed : {$75.00} ; US DEPT ED XXXX Balance Owed : {$0.00} ; US DEPT ED XXXX Balance Owed XXXX {$0.00} ; XXXX XX/XX/2022

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 2020-01-03
Company: IQOR US INC
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've been contacted by Allied Interstate LLC to collect on a debt that belongs to my wife. I spoke to a collector ( XXXX ) a few months ago and we couldn't get to an agreement. She was very rude. After that I received multiples calls every day ( 4 to 5 times a day ), I felt harassed. Then I was contacted by another agent ( XXXX ), we spoke and we were trying to work out a Settlement agreement, however, it was very difficult as they called during my working hours and I couldn't answer the phone. Additionally, we couldn't finalized the agreement because I requested her to send me the SIF agreement to review but she refused stating that they needed the bank info first to setup the autopayments. Today i was able to answered the phone and have all the info to set the payment plan. The collector ( XXXX ) became very upset and didn't let me talked when I asked her to started the SIF aggrement with the first payment of {$190.00} this month, and moved the {$1000.00} down payment to next month, XXXX. She started yelling and made me feel afraid and stated that the SIF was voided and I owed the entire balance. She then terminated the call. I called back and requested to speak with a supervisor, she stated, there is no supervisor available and gave me a Phone # to contact : XXXX. her supervisor. and she hanged up. I don't know why i wasn't transferred to another supervisor. 
I want to resolve this debt but this company is very difficult to work with. They are rude and make you feel threaten and harassed.

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 2020-01-03
Company: Resurgent Capital Services L.P.
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have repeatedly disputed with lvnv funding about this account they keep emailing me about. They are harassing me about it and they are violating fair debt collection act by not giving me the information I requested in the allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with CREDENCE RM plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-21
Company: Experian Information Solutions 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: ECMC GROUP, INC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In the response from ECMC, the following was staed : a ) Of that amount, {$20000.00} was principal {$9900.00} was interest ( 47 % ) and {$5500.00} ( 26 % ) The interest and collection cost assessed on this account are exorbitant and excessive ; needs a review. 

b ) I would like a statement of the account from XXXX thru XXXX. There is no record of any payment at all. Please review.

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 2020-01-03
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: Information belongs to someone else

Complaint:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO 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 2022-10-03
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
i was never given a copy of my contract, there is only XXXX party with a wet ink signature, they initially had the wrong name of XXXX XXXX and not me XXXX XXXX, they have my mom on the account as the owner of the loan and they have me listed as an employee of their company. they also told me a down payment was necessary for me to drive the car off the lot when i know for a fact that it was a consumer credit transaction that included a finance charge which means no cash is required because cash and credit do not mix. they never informed me of the right to rescind my contract and i was never given the full disclosure so i entered into this contract unknowingly which is illegal.

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