BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-29
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/XXXX I attempted to log into my mortgage service account to make a payment. The site was down and did not respond. I called Customer Service and they could not take a payment and could not provide any additional information. Since that time I've tried every day and the system remains down. Customer Service also can not help since they need the system to record a payment, Researching on the Internet I found that on XX/XX/XXXX XXXX XXXX XXXX suffered a security breach and ransomware attack. XXXX XXXX XXXX is the parent company of my loan servicing company LoanCare. LoanCare services the mortgages of XXXX, my mortgage company. Neither XXXX nor LoanCare has contacted me regarding the incident therefore I have no further information. 

This week the company posted a message on their web site indicating that systems are down, no credit bureau reporting will be done as a result and no late fees will be charged. As of now there has been no direct communication to me. 

My concern is Identity Theft and Credit Bureau reporting in spite of what the company has posted on their web site.

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 2023-09-16
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: MN
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
CARHOP /UNIVERSITY XXXX CORP did not provide me the proper legal registration at the time of leasing a vehicle to me ; And as a result the car got impounded and even though! had the money and valid drivers license, insurance etc. The auto pound would not release the vehicle to me because I didn't have valid registration and they also required that i have the title or they wouldn't release it and said that carhop would have to provide me with those documents or come pick up the vehicle themselves. 
I called and explained this to carhop multiple times and they did not care and made absolutely no effort to retrieve the vehicle from the pound! The y were extremely rude and only blamed me for the cops pulling me over and continued to demand payment for me and to make matters worse is that carhop actually signed a legal document with the " XXXX XXXX XXXX pound '' disclaiming their leased vehicle and permitting XXXX XXXX XXXX XXXX to auction the car off as abandoned property : And they never disclosed this to me at any time, they just continued to pressure and harass me for late payments for a car that i no longer had rights to at all! They reported this bogus account to all the credit bureaus as me being delinquent and in default of late payments and intentionally ruined my credit! THEY ALSO NEVER PROVIDED ME WITH ANY LEGAL DISCLOSURE forms of any kind at any time.. after trying to bully me into paying them anyway they finally had some lien title sent to my address after the vehicle was impossible for me to obtain about a month later.. its been a nightmare doing business with this company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: Opportunity Financial, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I live in Nc and was in a desperate state when I signed up for the loan not realizing the interest rate was predatory at 159.9 % now Im struggling to make the payments please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigate and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Balance : {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI
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:
Conserve collection agency is wrongfully reporting a collection on my credit report and it is affecting my credit score drastically.

I received NO written letters via mail or email about the pursuant of this debt and I do not believe this debt belongs to me at all. While I do recognize the original creditor I have no recollection of having received any loans from them.

ConServe collection agency has never contacted me to inform me of this debt, so I was not aware of it until it showed up on my credit report also, with no notification.

A debt validation letter was sent, requesting verification of the debt, including information about the original creditor, to which no response has been given.

ConServe has violated many laws of the Fair Credit Reporting Act including ; 15 USC 1692f Sec. 807 ( 11 ) - states that I have the right to be informed of an attempted debt collection.

15USC 1692H- Sec . 809 " Validation of Debt '' states that a collector must be able to validate the debt by providing information about the original creditor.

Sec. 809 also states that a collector must report that the account is in dispute upon receival of a debt validation letter. 

None of which has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One is reporting a charge off on my consumer report. Per title 12 a charge off should be reported as income and I should received notification and a copy of the 1099C. Per 15 USC 1681e ( b ) the company error is causing an inaccurate consumer report. Capital One is in violation of 15 USC 1611 ( 1 ) by willfully and knowingly failing to provide information that was required to be disclosed by Capital One. This one violation is a {$5000.00} fine. 
The letter was sent certified mail : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto went out of business due to fraud and sent our loans to a predatory lender by the name of westlake portfolio management. My loan amount and interest rate is ridiculously high for the value of the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: TRUIST FINANCIAL CORPORATION
State: WV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX, a washed check cleared the business account that we wrote through Truist in the amount {$14000.00} on check XXXX. We did not notice this as when we check online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, We then went to our local Truist Bank branch found these two washed checks, and made a fraud claim. Both checks were deposited online to XXXX XXXX  under two separate names and addresses. Truist fraud department is denying our credits for this fraud due to late reporting. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. We use banks to protect us against theft. This was grand theft and Truist is using an arbitrary time loophole to put the bill on us! They say they are working with XXXX to recover the money but it may take up to 6 months and let 's be honest why would XXXX just be willing hand over {$27.00}, XXXX to anyone. We need your help! This is a small business and this much money makes a big deal for us! Its equivalent to a half year salary for one of my employees.

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 2023-11-18
Company: MOHELA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I received my 1st bill from XXXX student loans stating that my loan was past due and I already owed them 2 loan payments. This was the XXXX letter I received and it also had late fees. I attempted to contact them several times and spent hours on hold. Yet I could not get through. Also listed where my alleged loans but it appeared like they were doubled then what I had ever received. less then a week later received a XXXX letter that I am now 3 months behind and over {$600.00} is owed. Please help! I can not afford this, especially when they have some how doubled my loans I don't want to start paying them when it is not right but I can not get ahold of anyone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: SYNCHRONY FINANCIAL
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 have a hard inquiry on my XXXX XXXX report from XXXX which I did not authorize. When I attempt to dispute the inquiry on the transunion website all I get in a continual loop that keeps sending me back to the original place.

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 2022-11-30
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
ACCOUNT NAME : XXXX XXXX XXXX XXXX  ACCOUNT XXXX ACCOUNT TYPE : XXXX DATE XXXX XXXX BALANCE XXXX ORIGINAL CREDITOR : XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NC XXXX I Disputed this Account and the debt wasnt validated or corrected. I never gave them permission to furnish any information about any alleged transactions which is invasion of privacy pursuant to 15 usc 6802, Also I never received the reinvestigation details to confirm investigation. I never received any agreement with my signature saying I agree to this debt. And see 15 U.S. Code 1666b - Timing of payments which shows direct violations of my rights Also I am aware thats I am the consumer original creditor and my credit card ( social security card/certificate of indebtedness was used and Im aware that canceled debt would be reported on a Form 1099-C as it is considered income and might be taxable so how can it be a debt. See 15 usc1681EB where it prescribes maximum accuracy on consumer reports which is proof of violations. Their are laws which protect me the consumer and penalties for violations 42 U.S. Code 408 - Penalties which is another violation by falsely misleading and representing and attempting to assign collect or enforce an in fact frivolous fraudulent and false debt which is a obligation of the United States pursuant to 31 U.S. Code 3123 and also see 18 usc 8. Also article 1 section 10 Clause 1 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility so what would be my options to repay this alleged debt?

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute several unauthorized accounts and transactions on my credit report that I believe are a result of identity theft. I recently discovered that my personal information has been used without my consent, and I suspect that my XXXX  may be responsible for this fraudulent activity. Below, I have outlined the unauthorized account and transactions that have been reported on my credit report : XXXX XXXX XXXX XXXX 
I believe that my XXXX  may have used my personal information to open this account and carry out these transactions without my knowledge or consent. I have reason to believe that he had access to my personal information, such as my Social Security number, date of birth, and other identifying details, which could have been used for these fraudulent activities.

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 2023-11-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting 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 need the attached inquiries deleted from my credit report because I did not authorize these companies to run my credit. It's fraudulent.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # 's # # # # # # XXXX and # # # # # # XXXX, have violated my rights. 

1

5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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.

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 2023-09-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
First of all, I am always anxious about writing Select Portfolio Servicing because the response to any conversation or letter I send is for Select Porfolio Servicing to then send unwarranted letters of default and/or foreclosure. 
I today XX/XX/XXXX, spoke with the Refund Revenue department in XXXX and the representative did find my payment that was made for my XXXX taxes and the duplicate payment made by Select Portfolio Services by check. He also said no one called to be refunded for the Select Portfolio Services double payment made. He explained that if anyone attempted to be refunded they would have to go through his department, ( Refund Revenue department ), and fill out a petition for refund form called General Petition for Refund Petition XXXX. Since Select Portfolio Servicing did not previously request a refund for their duplicate payment in a timely fashion, after it was made ; it may have gone past the statue of limitations and then have to have the matter reviewed by the Tax Review Board. The first step that Select Portfolio Servicing should have taken was not to penalize me and force me to pay, but contact the Refund Revenue department and fill out the appropriate forms. I will attach the link below and a copy of the form if possible. The contact for the department of Refund for Revenue is XXXX. The contact for the Tax Review Board, if the refund is at first denied because of statue of limitations is XXXX. I was told by the representative at the Refund Revenue department that Select Portfolio Servicing should have requested the refund by XXXX XXXX. I have been documenting my telling Select Portfolio Servicing Inc. to do this very thing on numerous filed complaints to CFPB, conversations, and calls to Select Portfolio Servicing since Select Portfolio Servicing started their initial penalizing me and charging me in XXXX. The representative also stated that Select Portfolio Servicing has to show proof of the payment/check and if Select Portfolio Servicing wanted me to collect the refund, Select Portfolio Servicing would have to send a letter on company letter head to the Refund Revenue department instructing them to do so. This was also suggested by myself and 100 % ignored followed by an initial penalty. I will check back with the Refund Review department to see if the steps are taken by Select Portfolio Servicing to correctly retreive the duplicate payment made on my taxes for XXXX. I also look forward to any and all reinbursement of previous penalty payments made to Select Portfolio Servicing Inc . Please XXXX : General Refund Petition XXXX and select Refund of city taxes or call the offices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am reaching out regarding the below account ; i have tried validating the debt with the credit reporting agencies by filing inquires and dispute letters requesting the detailed information relating to the debt and how it applies to me. 
I asked for original signed documents and agreements pertaining to the debt. However, both the credit agencies and the debt holder failed to provide that information after multiple requests. Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Treatment of inaccurate or unverifiable information clause in the FTC guideline states : If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencies shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate based on the result of re investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
XXXX This was the previous complaint THAT SHOULD HAVE NEVER BEEN CLOSED To date, XX/XX/2023 NO FUNDS HAVE BEEN RECEIVED FROM THEM and the one check they did issue they " STOPED PAYMENT " on it causing an additional charge of {$15.00} to me from XXXXXXXX XXXX XXXXXXXX ( my financian institution ). At no time did they inform me that I was not to use that check that they took almost a month to get to me.

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 monetary relief
Consumer complaint received 2023-11-11
Company: EdFinancial Services
State: MI
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:
I had all of my student loans paid off in full and now they are saying that I owe them {$13000.00}. I called them and sent them proof of my payments such as their own receipts and they have not gotten back to me or erased the debt. I had paid off my loans in full and then they got a new website and started sending me statements with due dates on XX/XX/23. It has been months since they have gotten back to me and now they are sending me delinquency notices.

Company response to consumer: Untimely response