BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-22
Company: VW Credit
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
On XX/XX/2021, I sold my car ( under a lease ) to XXXX XXXX in XXXX, California. My car was under a lease and had a payoff quote of {$16000.00}. The XXXX XXXX dealership was offering to purchase it off me for {$23000.00}. I agreed and completed the sale for the price of {$23000.00}. The dealership management team stated that the difference between the purchase price of {$23000.00} and payoff of {$16000.00} would be delivered to me in check form within 5 to 7 business days. 

I had not received it yet, so on XX/XX/XXXX, I contacted the dealership and left a voice message to the sales/finance team to check on the status of my payment. On XX/XX/XXXX, the dealership got back to me and stated that it was delivered on XX/XX/XXXX via XXXX  at XXXX pm. I called back to confirm the tracking number and discovered that it was shipped to an incorrect address in a different city. The address was completely different than the one on my account with the dealership and on the final paperwork. 

The dealership admitted to sending it to the incorrect address and confirmed that the check had been deposited already and that they are going to file a fraud claim with their bank and that they will have to send me a new check or I can drive several miles out of town to pick it up at their business office.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: North Shore Agency, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep receiving the same bill in the mail stating I owe {$49.00} for a coin I never ordered or received. I am unsure what this company is and I differently am not sending in money for something I did not order. I do n't even have a interest in a coin or anything this company is selling as I do not even know who they are. I have received multiple letters saying -This is unacceptable! - and that they are putting it in collection which goes on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
FRUSTRATION SETTING IN! 
Defaulted on my mortgage due to unexpected loss in income and eventual job loss. Loanowned by XXXX XXXX and unfortunately the servicer was XXXX Bank and nothingwas no modification was achieved due to XXXX 's delays and poor servicing procedures. 
I requested Unemployment Forbearance, but my request was never acted on. All of XXXX and half of XXXX passed and then I was notified that servicing was being transferred toGreen Tree LLC. ( non bank servicer ) Again starting all over with request for creativeloan modification, extension, mortgage principal reduction, lower interest and longer terms. 
Told " Not Eligible for : Hamp ' because my account was originated after XXXX XXXX, XXXX. 
Only eligible for Freddie Mac Standard Trial Period Plan. According to the Trial Planpayments are required to be between 10 % and 55 % of our gross monthly income. Ourpayment was to be 39.93 % of our gross which was calculated to be XXXX. This wasnot manageable and was actually higher than my original mortgage payment before ourdefault. We do have income and response was " Why not 10 % of our gross which wasmanageable. My suggestion fell on deaf ears at Green Tree. This and mortgage principalreduction is what we need to remedy our situation and avoid foreclosure. I have yet tosee a Modification offer which really reduces our payments either temporarily orpermanently. I am worried about " dual tracking ' and having to many single point contactswho really have no power to solve the situation. I hope that XXXX XXXX new program '' MyCityModification '' will include mortgages with a value over {$250000.00}. Our currentprincipal balance is {$280.00} We are in XXXX XXXX. I believe each personsreasons for default differ and each should be dealt with on individual basis to helpavoid foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
i have tried to reslove a matter with usbank that a bad deposit was placed in my account that was not my doing they sent XXXX debit cards. i never made any deposit noone has responded to my complaints ..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XXXX XX/XX/XXXX I applied for a refinance with Rocket Mortgage XXXX # XXXX. I was advised that I would receive a refund for {$500.00} for my good faith payment and XXXX towards closing costs. I closed the mortgage on XX/XX/XXXX and noticed the XXXX was put towards my closing costs instead of being refunded to me as previously stated. Additionally, I did not see that the lender applied credit for XXXX as previously stated on the closing disclosure. I called Rocket on XX/XX/XXXX to voice my concerns and was informed that I signed the documents and there's nothing that can be done. I feel that there are concerns regarding UDAAP and I was misled and would like the CFPB to investigate what transpired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies. 

Its been more that 30 days and I have not received any feeback, this is unacceptable. NO investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2016 I filed a complain through CFPB against RPM for reporting a collection on my credit report. The original creditor was XXXX and after paying a debt that I owed, XXXX informed me that this account would not be listed anywhere on my credit report, but it was showing on my credit report as a collection. After filing a complaint with CFPB, Receivables Performance Management LLC responded to me with the following statement. 

" Upon receipt of this complaint, RPM contacted XXXX who confirmed that the account was properly placed for collection and had since been paid in full. XXXX has requested that RPM remove the account tradeline as a courtesy to XXXX XXXX. 
RPM appreciates the opportunity to respond to this matter and resolve it to XXXX XXXX 's satisfaction. If you have questions regarding RPM 's handling of this matter or if I may be of further assistance to XXXX XXXX please contact me directly at ( XXXX ) XXXX. 
Very Truly Yours, XXXX XXXX XXXX General Counsel '' It has been over 30 days and this company still has NOT removed this item from my XXXX report. I am trying to close on a home loan and this collection showing on my report is affecting me tremendously. I have attached documentation from both XXXX and RPM of where this item should have been removed.

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 2016-10-14
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I Disputed on XXXX XXXX, 2016 and the Equifax is in violation of federal laws for not responding on time. Equifax was supposed to delete all the items because of failure to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Experian Information Solutions Inc.
State: GA
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:
reporting inaccuracies on my credit report

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 2022-04-14
Company: Paypal Holdings, Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/22 I received funds into my account in the amount of {$1500.00}. I attempted several times to transfer those funds to my bank account. I contacted PayPal and was told it would be on hold for 48 hours. On XX/XX/22 I again attempted to transfer my funds. I contacted PayPal again. I was told my funds would be on hold for 48 after the problem was resolved. I was informed by PayPal that there was a problem verifying my identity, but I had verified my identity several times with them and they disclosed much of my account information with me. Ive spent several hours on the phone with customer service representatives. At one point I was transferred to a supervisor after requesting to speak with a supervisor for a few hours. That supervisor hung up on me me. Totally unacceptable behavior. This morningXXXX, I attempted to transfer my funds to my bank account again. I was then informed that my funds were being placed on hold again so PayPal can verify my transfer is legitimate. I have done everything PayPal has requested of me to verify who I am, and yet they continue to be unwilling to resolve this issue. This seems to be an ongoing problem with PayPal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: FL
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:
I have an erroneous tax lien held against me when I was a minor up to being about XXXX years old. I have got it fixed through the IRS, ( tax lien was filled under my name erroneously ). I have the letter stating that from the IRS that I am all clear and do not owe any money to the IRS. I went to the City to also have it cleared and have all the correct forms that they needed. So I am good with the IRS and the city. Big problem that I am running into is with my credit. I submitted all forms to all three bureaus. I had no issues with XXXX XXXX and XXXX dropping the tax lien the first time I submitted the request. Equifax has been giving me issues for almost two years now. I have submitted numerous request and they have not dropped this tax lien in the there system. I have even gotten an attorney through the military with no results ( due to we cant sue ) so he told to go through this first and then if this does not work to get a civilian attorney. I have not been able to get a loan in almost two years due to this lien that is still being held against me with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-04-14
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:
under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ Invalidated Credit Information and 15 U.S. CODE 1681e ( b ) - Compliance procedures maximum possible accuracy. 

XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX U S DEPT OF EDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
This company called and disclosed information to my sister in law, who has my wife 's old phone line ( my sister was able to disclose some information about me ). Upon informing this company of this mistake and requesting that they no longer contact my sister in law, they agreed. However, they have contacted her again, several times.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
These accounts are reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 
CAPITAL ONEXXXX {$320.00} CAPITAL ONE-XXXX-Balance {$430.00} CAPITAL ONE BANK USA N-XXXXBalance {$320.00} CAPITAL ONE BANK USA N-XXXX-Balance {$140.00} CAPITAL ONE BANK USA-XXXXBalance {$320.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, INC.
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:
other accounts could not fit in the FTC complaint XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XXXX   XXXX, XXXX Closed Date -- Responsibility Individual Account. 
Balance {$35.00} High Balance {$35.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$270.00} High Balance {$270.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account. 
Balance {$230.00} High Balance {$230.00} Remarks Medical XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Hippa violatons and FRCA violations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: AZ
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:
Information that I own money to the dept of defense is incorrect and I do not own this I have sent the information for dispute as well as the reason I dont owe XXXX this was an error on the finance ( unit ) And XXXX XXXXt which Im up to date on

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My previous complaint # was XXXX My name is XXXX XXXX and I have given this company an Affidavit Of Identity theft and have informed them they are in violation of my rights by listing a fraudulent account with the credit reporting agencies.

They are not also violating 15 U.S. Code 1692g, as only the consumer can validate a debt. I have informed this company numerous times this account is fraudulent and they continue to violate my rights. I am asking CFPB to violate this company and issue a fine in the amount of {$3000.00} for several violations they continue to commit and I also demand deletion of the fraudulent account.

Once again, this company has not provided me with a solution to any of my complaints. I do not want a fraudulent bill history sent to me, I want this account deleted now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
Company: Experian Information Solutions Inc.
State: NC
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:
Personal Information wrong a lot of inquiries I have no knowledge of and did not give consent to check my credit

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 2020-04-02
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a letter requesting original documentation with original signature for the alleged item. It's been 90 days, have not received any documentation. If the original documentation can not be provided- Please remove alleged item.

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 2017-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of XXXX, I ordered my credit reports as part of my annual routine to monitor my credit. I noticed an account on all three reports that I did not recognize, and disputed them via their respective web sites. I received a letter from Portfolio Recovery Associates on XXXX XXXX, XXXX in which they allege that I owe them this debt. I replied with a letter on XXXX XXXX, XXXX disputing this account and outlining their noncompliance with the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and 23 NYCRR 1.4 ( c ). They continued reporting this account to the three agencies and called me over a dozen times even though this account was in dispute. They replied with a letter on XXXX XXXX, XXXX in which they still did not prove that they are legally able to collect this debt. I sent them another letter on XXXX XXXX, XXXX outlining their violations of the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and XXXX NYCRR XXXX ( c ) and their willful noncompliance with these laws. They sent me a letter on XXXX XXXX, XXXX in which they continued to claim they can legally collect on this debt without providing me any new information or documentation. In XXXX of XXXX, I filed a complaint with the Better Business Bureau against XXXX. Despite various communications from the BBB, XXXX has yet to remove this item from my credit reports, or to provide any believable evidence that they have the legal right to collect this debt. 
XXXX then sent documents to the BBB that they claim were sent to me, but these documents were never sent to me, and contained time stamps proving that they were just printed previously to being sent to the BBB. They intentionally tried to deceive the BBB by misrepresenting the timeline of these documents, as well as made false statements to the BBB about these documents being sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
Upon reviewing my updates, incorrect information was found in my reports. The Equifax 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 inquiries that are reporting on my Credit Reports : XXXX-Date of inquiry : XX/XX/2020 XXXX XXXX XXXX-Date of inquiry:XXXX

Company response to consumer: Closed with explanation