BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capital One Auto Finance XXXX XXXX XXXX XXXX, TX XXXX ( COPY OF LETTER SENT TO CAPITAL ONE, MINUS MY IDENTIFYING INFORMATION AS PER YOUR INSTRUCTIONS ) Subject : Continued Erroneous Reporting On Account XXXX XXXX, XXXX To Whom It May Concern : Thank you for your letters to me regarding the above referenced account ; however, I must respectfully bring to your attention that you continue, in fact, to incorrectly report the above referenced account to the credit bureaus in violation of stated law. Accordingly, copies of this letter, have been forwarded to the CFPB, and the AG office for the state of Texas. <P/>Also, if after this letter you still refuse to delete the account from XXXX and XXXX, I will also be unfortunately forced to re-open the bankruptcy and file a case for contempt of action on your part where I will also seek redress and financial remuneration for damages. Since the bankruptcy was filed pro se, I will do it yet aain.
<P/>Case law demonstrates that continuing to negatively report an account on a discharged debt is a violation of the discharge that accompanies a bankruptcy. In the same connection, also changing any notation of the account constitutes a violation as well. <P/>Accordingly, as per federal case XXXX vs. XXXX XXXX Services, negative reporting of the discharged debt constitutes a violation of the permanent injunction of my discharge ( Bankruptcy Case Number XXXX ), and, accordingly, there would be a violation of the FEDERAL COURT ORDER with the continued reporting of the discharged debt.
<P/>
Also, literally ANY changes made to the Capital One Account in terms of anything relating to the account ( i.e. status, account number, included in bankruptcy notation, etc. ), constitutes of a violation of the permanent injunction, subsequent to the filing of the bankruptcy. <P/>Finally, the FTC Letter to XXXX demonstrates that my conclusions are warranted and within the parameters of the law. <P/>Accordingly, in consideration of the violation, a deletion of this account to the credit bureaus is hereby again requested. <P/>Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: DriveTime
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
The company I bought my car from is Drive Time. This company is constanely saying that i am further and further behind and this evening they called my landlady about my bills, thats it I 'm done with them. I know that from your alerts, that this company is already under a 5 year watch and only 3 years into it. My contract with them says I am to make bi-weekly payments, but ever since the 2nd month of on time payments, they have been requesting more and more payments. I have had to break my payments down to weekly payments, just to get them off my back & they still call!?! They sometimes call from a company called XXXX, this company according to the BBB does not exsist & has not had any sign of activity since XX/XX/2013, please do something about 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 2017-03-27
Company: American Accounts & Advisers, Inc.
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Re : response to complaint XXXX. 
My letter dated XX/XX/2017 is requesting you provide me with the contract I have signed with American Account & Advisors , Inc. that I owe the debt to American Account & Advisors , Inc.. You stated you sent me an itemized statement on XX/XX/2017, this has not been received. In addition, sending an itemized statement is not a binding contract which you are required to provide to validate the debt. 
Since you are unable to provide evidence of a contractual obligation to pay American Account & Advisors , Inc. the debt, you are required by Federal Law to remove these items from my credit report. 
The following accounts must be removed immediately : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
If items are not removed by XX/XX/XXXX I will be filing small claims action against American Account Advisors Inc. & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: BorrowersFirst, Inc.
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I tried responding as a despute but I kept getting an error. 

Case number : XXXX My response today I have been charged NSF fees, {$45.00} to be exact, but that is not the issue I am complaining about. In almost every statement there is charged called a billed finance charge that has added up to {$1000.00}. There were a few approximately XXXX different months when I receive a NSF due to too many things going through my account. I paid them when everything cleared on my account. The NSF issue was resolved by charging me the XXXX charges of {$15.00} as you can see in the statements. I 've been faithfully paying and my payments, and so far I have invested XXXX {$3600.00} into this. Almost a third of that money has been taken by these billed finance charges. I keep getting harassed and contacted by Borrowers First, urging me to give them money, yet they still have not even addressed the obvious large charges on this account. In addition why would my payments suddenly go from {$290.00} to {$620.00}? 

Payments XXXX NSF 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 The companies previous response/ what I am responding to. 

XXXX has researched XXXX complaint and has determined that this loan has been paid down from its original balance. The original loan amount was {$7500.00} and the pre-paid finance charge was {$370.00} ; therefore, the amount originally owed was {$7800.00}. XXXX current loan balance shows as {$6700.00}. Additionally, by reviewing the monthly statements submitted to the CFPB and XXXX account, the loan has not negatively amortized. He has incurred many NSF fees which has added to the overall outstanding balance of the loan, but these NSF fees have not caused negative amortization of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: DriveTime
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Bought a car from DriveTme, Started having problem with car XXXX days after purchase called them and tehy told me to take care to warranty repir shop was refereed to dealership because the shop I took the car to could not do repair because they did not have the rigt equipment. drive time told me to take to dealership and they would cover the cost of the repair.When repair was completed the said they had to do a review to see if they were goig to pay for it. The car was broken when sold to me. and they lied and said everything had been checked out on the car. The engine service light came on XXXX day after I had the car Also the passenger air bag sensor was broken when the car was sold to me and this was not told to me Now i am without transportation and have medical problems ( XXXX that I can not get to due to their failure to live up to their contract.. I am very disappointed worried what will happen because I am stranded due to their breach of contract. can you help??

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: AL
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
XXXX XXXX the company Rushcard company said they were doing updates, for 2 days we 've had no access to our money, not able to speak or get to anyone to even pick up the phone. I deposited {$670.00} into my account not aware of this issue until after I had made the deposit into my account which by the way does n't show up, my card declines when trying to purchase food for my family, gas, etc. I just want my money like XXXX of others experiencing this crippling issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXXXXXX, has 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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2017-05-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This is a follow-up to complaint filed with CFPB (  XXXX  ), filed against  Navient. Recap : I 'm trying to pay down my student loan as quickly as possible by paying more than the m inimum each month. I set up monthly autopay but the amount set for each month continuously decreases without notice or permission, even after numerous contact with  Navient and  explicitly telling them not to lower the monthly amount. The last complaint from late  XXXX  about this same issu e. Navient resp onded and provided instructions on how to prevent this. Update : This worked for 2 months and then happened again in  XXXX   XXXX . I have followed up directly wit h Navient to inquire why this is happening again, even when I followed the instructions provided by their representative. Representative was unable to provide an explanation or assurances that this would n't occur again. Once again, Navient is trying  to extract as much money from me by attempting to make my payments last as long as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capit al one, a credit card company closed my credit card account due to " principal owner have past, present or pending legal action ''. I am   XXXX   a three year    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   for between  XXXX . Can a credit card company close my account due to that reason?. On what legal ground can they close my account, I believe I have paid my dues to the society and I am trying to get a fresh start and rebuild of my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: FL
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 have been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 2021-12-28
Company: Experian Information Solutions Inc.
State: GA
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 name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.

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 2017-05-11
Company: Security National Automotive Acceptance
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I filed a previous complaint  XXXX   XXXX ,  XXXX  about how SNAAC threatened me by saying they were gon na call my commander and have  XXXX  actions against me if i did not restart my allotment after I had the car voluntarily repossessed in  XXXX . I received the company response on  XXXX   XXXX .  Two  months after that i received a call from SNAAC trying to collect on the loan. The person on the phone knew i was medically discharged and was asking me for my  XXXX  rating and if i was receiving stipend from the post  XXXX   XXXX   XXXX . I refused to answer personal question like that. I felt that information like that is between the VA and myself only. SNAAC should not be asking veterans about their benefits especially medically related benefits. This is the second time  SNAAC  has crossed a line with me. I am afraid they are doing this or worse to other veterans.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
If the three credit bureaus, XXXX, XXXX, and TransUnion, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?

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 2015-10-21
Company: Empowerment Ventures, LLC
State: IL
Product: Prepaid card
Sub-product: Payroll card
Issue: Fraud or scam

Complaint:
XXXX XXXX the owner of RushCard has cause a lot of people including myself a lot of financial problems due to RushCard system being " hacked '' or shut down from what I 've read so far. I have XXXX cards with RushCard and neither of them are working properly. I will not be using RushCard ever again and will not refer any of my friends or family to this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: Prosper Marketplace, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
As I am struggling to maintain my payments without damages to my credit I made a payment to prosper of XXXX on XXXX XXXX online but when I looked at the date of payment scheduled it say it is for XXXX XXXX that would put me at 30 days late on there web site it say I can call the XXXX until XXXX but when I called at XXXX XXXX the office was close.I am going through some financial difficulties but prosper has no resolution but to pay or your credit is damaged. I will continue to make my payments and trying very hard to get back on track. I hope that I do n't get hit with a 30 day when I made my payment on XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Comerica
State: WA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My name is  XXXX   XXXX . DOB  XXXX  ;  SSN   XXXX . I 've been diagnosed with   XXXX    XXXX  on  XXXX   XXXX ,  XXXX , and have been an SSI recipient all my adult life.     My mother,  XXXX   XXXX   XXXX , DOB  XXXX  ; SSN  XXXX , has been my rep-payee until I got married to  XXXX  on  XXXX / XXXX / XXXX , and she used to own accounts under my name, in effect stealing my SSI funds.  XXXX  got me a TRO against her, which later got dismissed.     I went to SSA on  XXXX   XXXX   XXXX   XXXX ,  XXXX , OR  XXXX , and  XXXX   XXXX  got me a   XXXX   XXXX    XXXX , #  XXXX   XXXX   XXXX   XXXX , expiry date  XXXX .  XXXX  got ahold of it and stole my SSI deposit on  XXXX / XXXX / XXXX . I had to call for a replacement card.     When I called Direct Express to change my address to my current one in  XXXX , WA, I was told to fax  XXXX  pieces of ID to  XXXX   XXXX . Then I was told that they could n't read it at all. All of the sudden they cleared the account but did NOT update my address.     On  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  stole {$620.00} out of my {$660.00} SSI direct deposit, again. When I called DE they were rude to me, especially a customer service rep named  XXXX , and hung up the phone on me when I requested to update my phone number and mailing address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2017-05-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello, I am having an issue with Lakeview Loan Servicing , LLC  XXXX .  XXXX   XXXX   XXXX   XXXX , VA  XXXX . I Paid my loan down to under  80  percent and submitted a request to remove PMI through an online portal submission. I did not get a response at all so I called customer service and the representative i spoke with said that I had to submit in writing through the web portal. I explained that I had already done so. She checked and did not see any requests for me. She suggested resubmitting and said that she could not help me. I resubmit, still no email confirmation or anything. I wait a few days and call back. This time the  Rep said that I had to be under 78 percent or they would n't even pay attention to my request. I have been current over the life of my loan and though the documentation is confusing I believe that I should be relieved after 80 percent at my request. Well I went ahead and paid the loan down to below 78 percent and submitted the request again. It has now been another 2 weeks and I still have heard nothing. Three requests and two phone calls over a month and I still have not received a response. I believe that this co mpany is trying to continue charging me PMI illegally.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX XXXX XXXXXXXX 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 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
XXXX   XXXX   XXXX   XXXX    sent a Legal Order to Bank of America requesting funds from my c hecking account. Bank of America processed the order, sending the funds from my account to Massachusetts, without informing me. Bank of America also charged my checking account a {$120.00} " processing '' fee for processing th e Legal Order fro m the state. I called Bank of America on  XXXX   XXXX , the day after th e Legal Order char ge and Fee were deducted, to ask about the unfamiliar transaction. Bank of America told me that even if they were sent the  Legal Order i n error by th e    XXXX   XXXX   XXXX  , the {$120.00} fee was " non-refundable '' and my only method of recourse would be to ask the state to give me {$120.00}. Bank of America charged me this fee for a servic e I neither req uested nor was informed about prior to their processing.

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