BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-29
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:
In accordance with the Fair Credit Reporting act XXXXt Account # XXXX, 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 2017-01-05
Company: Riverwalk Financial Corporation
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On the date of XX/XX/XXXX, I sent XXXX XXXX XXXX certified mailing requesting validation under FDCPA, XXXX XXXX XXXX Sec. XXXX XXXX b ) of a debt they bought from XXXX XXXX. 

Documents I requested included Letter of Sale or Assignment from the original creditor to XXXX and proof of licensing to collect on a debt in the state of Alabama, and requested that the debt be labeled as " disputed '' with each of the credit bureaus being reported to, all of which the company failed to provide and do in their responding mailing to me. 

Before reaching out to XXXX XXXX XXXX, I found the Secretary of XXXX has the company listed as " Dissolved '' as of XX/XX/XXXX, making it illegal to due business in the state of Alabama. 

Upon contacting the company, I was informed by a representative, who placed me on hold to speak with his XXXX, that they in fact did not have to provide me with a XXXX of XXXX or XXXX, nor their licensing status.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I was unaware that my dealership was going to put inquiries to several different banks. This was unauthorized on my Transunion 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 explanation
Consumer complaint received 2022-03-29
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hello- Apparently you ran an escrow analysis on XX/XX/XXXX but a copy has not been received by me via mail or email. I logged into my online account today, XX/XX/XXXX, and only see the XXXX XXXX available. 

I then called on XX/XX/XXXX and the 1st female agent was unhelpful and said it was " provided to me on XX/XX/XXXX '' but not mailed until XX/XX/XXXX. I advised her that made no sense bc nothing was provided on XX/XX/XXXX, and if it was mailed on XX/XX/XXXX, I havent received it yet. She then acted like I was putting her out by requesting it, and said she would email it to me. I said okay.. and hung up. a few mins later I received her email and it only included the XXXX XXXX in error, and not the XXXX XXXX. 

I called back and spoke with a male agent on XX/XX/XXXX, and he said he would email it to me.. same thing.. he emailed the XXXX XXXX, not the XXXX XXXX. I made him stay on the line, and then he told me that actually the XXXX XXXX had not generated and it wouldnt generate until XX/XX/XXXX. 

If an XXXX was ran on XX/XX/XXXX, why would it take until XX/XX/XXXX to generate? Why isnt the XXXX XXXX uploaded online as of XX/XX/XXXX for viewing to support the new monthly payment amount I'm being charged? 

PLEASE PROVIDE A COPY OF THE XXXX XXXX, and mark the errors against yourselves for all concerns mentioned above ... misinfo, delay in providing statements etc.. Please pull and review the calls.

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 2017-03-01
Company: AR Resources, Inc.
State: VA
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 sent a request to validate this account I have no knowledge of on XX/XX/2016 and I never heard back from them with an original invoice supporting these alleged charges as requested. This is a violation. I will file suit in small claims court if not removed immediately by AR Resources. I also have proof ( recordings ) that they continued to call me at work after I requested them not too verbally and in writing. They have reported this alleged and unsubstantiated debt to XXXX, XXXX and XXXX which is has caused damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Van Ru Credit Corporation
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have received repeated calls from Van Ru Corporation ( XXXX ) claiming we owe a debt and to call back. Knowing htat they are known as scammers, and we do not have any debts that we know of, to include reviews of our credit reports, we want the calls to stop. After several contacts, they should have mailed us the information they claim regarding a debt owed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The company Asset Acceptance is taking money and threatening me after the statute of limitations has been reached. My account closed with XXXX closed in 2008. These people are still taking money today with no amount ever going to a principal balance. I have paid them over XXXX They have been adding interest to the credit card amount they say I still owe, while taking my money and keeping it in a separate account. When asked to stop or reduce payments, they threaten me by saying I will owe the balance on the original debt. They have been collecting money over the statute of limitations for XXXX years. I would like to know the rights I have for the money I have paid over the past XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Element Global Services
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have been receiving several harassing phone calls from a company called Element Global Services based out of New York State. Each phone caller leaves a voicemail threatening to have me arrested over a debt in which they will give me no information on. They have my social security number. When I ask for information or documents to support their claims against me, they do not provide any. They harass my place of employment and go as far to call relatives cellphone and landlines looking for me. I have documented phone calls with their threats verbatim.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with Experian and XXXX, he found that I was classified as DECEASED on both agencies ' records. This apparently happened when XXXX XXXX reported my husband 's death in XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both Experian and XXXX indicated that XXXX made this report but XXXX denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. Both agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Starting in approx XXXX/XXXX  XXXX, my tenant occupied condo property that I own and is located at XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX, NJ XXXX was put on a forbearance plan with XXXX  / Loancare mortgage company due to my tenants nonpayment of rent. To date, the tenant owes me over {$300000.00} in 1 ) missing rent, 2 ) property damage to the unit including theft of property and vandalism, and 3 ) other damage as a result of tenants breach of lease agreement. 

I have timely requested forbearance extensions for each phase and until now I have been granted these extensions. Ive spoken to XXXX / Loancare multiple times over the past several weeks in XXXX/XXXX  as my current forbearance was coming to an end and I am in need of an additional extension as the tenant continues to occupy my property without payment, and the NJ XXXX County courts have continued to allow tenant to do so without enforcing an eviction and order of removal I was awarded against the tenant.

I need 1 ) for my mortgage to remain on forbearance and 2 ) to have my mortgage amount reduced given the financial losses Ive been forced to suffer due to Covid and the extended eviction moratorium that has, and continues to, allow my unruly tenants to destroy the value of my property.

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 2015-06-23
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a high deductible insurance plan just like a lot of other people do. In XXXX of this year I was sent to XXXX hospital for a study ordered by my doctor. when I received the invoice it was over XXXX in which a was making regular monthly payments as I could. when I received the last invoice it was at a XXXX balance in which they stated they wanted it paid in full. I sent them a payment in which I could afford that week as I have been since XXXX they cashed the check and sent the balance of XXXX to collections. Now this is not the XXXX time I have had problems with XXXX hospital billing, they have sent me to collections for duplicate billings in which have been paid, their billing practices need to be looked into.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The New York auto dealer who sold my car to me subsequently sold the Retail Installment Contract to Santander. The RIC was initiated in XXXX New York and is subject to New York State law ; it did not specify any terms relating to convenience fees for payment. Upon making my first payment, I noticed that Santander was forcing me to pay a convenience fee of {$10.00} per payment to pay by credit card as opposed to mailing my payment in to them. Convenience fees for paying via credit card are illegal in XXXX New York XXXX No seller in any sales transaction may impose a surcharge on a holder who elects to use a credit card in lieu of payment by cash, check, or similar means. 
Any seller who violates the provisions of this section shall be guilty of a misdemeanor punishable by a fine not to exceed {$500.00} or a term of imprisonment up to one year, or both. 

The bank can not allege that the ban on convenience fees does not apply to them because they 're not based in New York. I originated my retail installment contract with a New York auto dealer subject to the laws of New York ; the sale of the contract, which has no clause regarding convenience fees or fees for making payments to an out-of-state lender can not exempt the lender from New York 's requirements concerning convenience fees. 

I made XXXX payments for which I was charged this convenience fee, totaling {$180.00} in damages. I demand that Santander pay back the {$180.00} in full as this is an illegal convenience fee. I also request that the CFPB look into this practice to prevent them from subjecting other consumers to these illegal convenience fees for making payments. 

Additionally, I paid off my loan in full over two weeks ago, but have received no correspondence from Santander indicating that this has taken place, nor have I received any documentation regarding the release of my lien. I request that process be put into motion if it has not already. 

Finally, the loan was overpaid by {$39.00}, and I have received no refund for this amount or correspondence in regards to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Transunion is blocking positive information from reporting on my credit report. I am an authorized user on my husbands XXXX and have been since 2001. XXXX reports authorized users each month and Transunion had reported it on my credit bureau report for years. I am trying to buy a house so I recently contacted Transunion to ask them to update balances etc. on my credit report for my XXXX. I only wanted them to report accurate information. They advised me to file a dispute with them so I did. ( see attached example ). Transunion instead of updating my raised credit limit and XXXX balance instead DELETED the positive account from my report. I was then told by dispute department that because I was an authorized user and I filed a dispute they immediately removed it and they would never allow it to be reported again. I only filed the dispute because that is what THEY told me to do. Because of one of their employees errors my credit score suffers. XXXX established length of credit for me as I have had it since 2001. I worked with XXXX and they reported it on XXXX XXXX and also manually on XXXX XXXX but Transunion is blocking it. If you check reports prior to XXXX XXXX you will see that XXXX reported on my account. XXXX XXXX XXXX ending in 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 2017-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
Thank you for your recent inquiry regarding your CARECREDIT/SYNCHRONY BANK. has refuse to credit my dispute and given the right to the provide. after the orange county sheriff is doing an investigation I hope you can see that I have take this very seriously. There is a police report an investigation case number. I am not paying for something I do n't receive just case a GPS of a mailman says that he placed in the mailbox. Plus you are the most irresponsible people sending a package over {$100.00} without an insurance. Insurance Coverage -- Priority Mail Priority Mail pieces bearing an Intelligent Mail package barcode ( IMpb ) or USPS retail tracking barcode ( see 4.3.4 ) are insured against loss, damage, or missing contents, up to a maximum of {$50.00} or {$100.00}, subject to the following : Insurance coverage is provided against loss, damage, or missing contents and is limited to a maximum liability of {$100.00} when the Priority Mail pieces bear an Intelligent Mail package barcode ( IMpb ) and if the mailer pays XXXX prices. 
Insurance coverage is provided against loss, damage, or missing contents and limited to a maximum liability of {$50.00} when the Priority Mail pieces bear an IMpb or USPS retail tracking barcode, and does not otherwise qualify for {$100.00} of insurance coverage as described in 4.2a.I will dispute this till the end am not interested of doing any business with a business so irresponsible as you guys. I want a copy of my receipt. I never received the item. Just because the item were suppose place in the mailbox it does not mean the were deliver to my hands.

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 2017-02-19
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have been a long time customer of Conn 's with a purchase record exceeding $ 40k. I have NEVER been 30-days late. In XX/XX/2016, someone in Conn 's AR department returned my payment to me BY CHECK, and then reported me to the credit bureau as being 30-days late. I wrote them several times and they still have me as being late although I returned the check to them stating that THEY can not make me late because of their error. I have since made another payment but they are still showing me late and the check has not been credited to my account. I feel they are deliberately trying to ruin my credit because I said how incompetent they are. 

Conn 's has the most incompetent accounting staff ever. Do not buy anything from them. The sales staff is excellent and they are in no way responsible for the horrific way the accounting is done. 

This all began when I paid an account off and accidently overpaid it. Instead of returning my money, they applied the overpayment to my open accounts which is not good business practice. This made varied accounts have different balances due than normal. I paid the full amount due and when I checked again the balance due was {$21.00}, so I canceled the {$130.00} payment and paid the {$21.00}. Conn 's had returned the {$100.00} difference in a check. Why, I have no idea. I am on a " 12-month, no-interest '' contract, therefore, payments in excess of the minimal should be expected, so why would the payment be returned? 

The problem is their ignorance and their attitude and that my purchase and payment history have no meaning. I have been tossed in the trash as if my reputation is something their incompetent staff have the right to tarnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: NCB Management Services Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I have been told that NCB Management Services , Inc has filed a law suit against me in court for about 4 thousand dollars. I do not know who NCB Management Services , Inc. is, I have not ever signed anything with them and do not owe them money. I am receiving letters from attorney 's wanting me to file bankruptcy. I do not know who this company is or why they are dragging me to court. NCB Management has no records of my signature with them for any product or service. I did return a car to XXXX but the car was in good working order and it was not a repo. I returned the car because they and the dealership promised me If I paid on the car for a year I could turn the car in and get another car. I did not want or like the car I was sold. I tried to trade the car in 14 times and was turned down everytime. When I turned the car in it was valued at XXXX and the amount owed was XXXX. I do not know where they come up with me owing them for XXXX dollars to a company I have never heard of. I believe they are trying to collect fees and interest on money they did not loan or have the right to collect ; and I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had a car loan through Capital One that I got in XX/XX/XXXX. In XX/XX/XXXX, I was in an accident and the car was totaled out. Since I had just recently purchased the car the year before, I was under on the difference. Capital one called me directly and offered a settlement, to which I accepted and paid what they requested in full by the deadline that they gave me. They assured me that it would not negatively impact my credit report/score. However, it has and continues to impact my score/report. The first time capital one reported this account to my credit report after I paid the settlement, it was showing as if I was derogatory on making my monthly payment - even though the loan had been paid via the settlement. I called capital one to dispute this, and after several attempts, they finally changed the status to a closed account. Now, as I 'm applying for a home loan, I find out that capital one recently updated the closed car loan account on my credit report, and is it showing as if it 's a new derogatory account, even though it 's from several years ago. It has reduced my score and is significantly impacting my report. I will never, ever do business with capital one again. I am asking that this error is resolved so that it does n't look like I recently faulted on a car loan that was settled with capital one almost 5 years ago. It is reflecting as being updated on my XXXX report in XXXX XXXX. However, on my XXXX report, it reflects the last update as XXXX/XXXX/XXXX - which is what it should be as that 's the date of when our settlement was taken care of.

Company response to consumer: Closed with explanation