BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-01
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
One of my family members, an adult received XXXX XXXX. He signed for financial responsibility for the services " He '' received. He chose the doctor, went to their facility, signed off on financial responsibility for himself. ( I do not ever recall signing as a guardian or financial responsibility for an adult, The probability of being out of state at that time is very high. ), Phoenix Financial placed this on my credit as a collection without notification to me and it must be removed. 

I attempted to resolve this and stated that I was not the recipient of the services provided and that I did not sign as a responsible/financial responsibility for the services provided. So they would have the opportunity to correct the actions they took. No remorse, plenty of sarcasm and they continued to state that it was in dispute of which I do not believe such, and they are not going to give me a letter of deletion for my lender until I give the money for services that I did not receive nor took financial responsibility for. I am also making a complaint to the State 's Attorney 's Office per a conversation with your office.

I am not the party, It should not have been in my name. They continue to attempt to collect the debt from me and attempted to get me to do a verbal agreement with them to pay. I have a mortgage pending and need a deletion letter from my report or this will cost me tens of thousands of dollars. 

Also I did not give them permission to enter into a verbal contract nor agreement for something that is not my responsibility. 

This is not my debt or responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
For the past 90 days, I have been trying to validate a debt with XXXX  XXXX. I have not had a single response by phone, email or mail. This is a complete violation and extreme delay. I am losing out on time, money and opportunity due to the negligence of this collection agency. PLEASE SEE ATTACHED THE DEBT VALIDAITON REQUEST I SENT TO THE COLLECTION AGENCY OVER 45 DAYS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Ocwen Financial Corporation
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been trying to sell the property. I learned today that the Mortgage company once again has sent in there preservation company to cut the locks on the property and leave it open. They did this in 2021. I called them and they referred me to XXXX XXXX XXXX I've called the company and it goes to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-05-01
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I never had a car or loan with this company. This is a fraudulent record.

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 2023-05-01
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My debt went to collections after confirming with XXXX that they payment arrangement has been made. Been making faithful payments every single month with no lapse. Credit Management LLC can not give me a clear answer why this was reported to the credit bureau after making faithful payment. This was the agreement we had since XXXX and 2 days after taking {$100.00} on XX/XX/20 they submit to the credit bureau for non-payment. This is not reasonable to me as to why this happened. I don't have anything negative in my credit account, now I can not purchase a home with this issues over my head.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: Allied Collection Services, Inc. (Nevada)
State: NV
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:
I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! XXXX, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, XXXX, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP. 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! XXXX ( original Creditor : 09 XXXX  XXXX XXXX XXXX ) 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 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout 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 explanation
Consumer complaint received 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Apparently, in XXXX the escrow account for my mortgage increased without my prior knowledge or notification from my mortgage company. I made the regular payment and noticed my credit score dropped in XXXX. Mind you, I have pridefully increased my credit score by almost XXXX points to secure funding for a XXXX  that I want to buy in the community that I live in. I called the mortgage company to inquire on the late payment and they said that my payment was {$50.00} short, and they will not remove the late payment from 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 non-monetary relief
Consumer complaint received 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 XXXX Account CAPITAL ONE, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a business XXXX  account with Santander Bank. the XXXX  account was only used to hold rental property money, therefore very little activity took place with the account accept to deposit rent monies. Fraudulent activity started on the account XX/XX/XXXX through XX/XX/XXXX. I boarded a plane on XX/XX/XXXX for vacation for XXXX  days. Hence, I was not accessing/reviewing this account during that time, nor did the bank notify me during the time frame regarding any fraudulent activity. Within this time frame, the account was hacked and drained of all XXXX  XXXX I filed claims with the bank for reimbursement XX/XX/XXXX. & the account was shut down. The bank is stating that I didn't do timely filing. Their policy is XXXX business days once fraudulent activity starts. So they will not reimburse me for unauthorized epayments to XXXX and XXXX cards. I was reimbursed by XXXX and XXXX XXXX for unauthorized online payments that took place on XX/XX/XXXX. I did file a police report. I did try to speak with the fraud dept directly, but was told by the claims dept that it wasn't a fraud dept issue. It was a claim dept issue. Hence they wouldn't let me talk with the fraud dept. I did check my credit report and didn't see any fraudulent activity,. I never gave out my password, pin or ever used the debt card associated with the account.I also don't understand why timely filing applies to XXXX and XXXX but it didn't apply to XXXX or XXXX XXXX who settled their claims.

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 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
I applied to rent an apartment and this required myself, my husband and my daughter to complete Trans Unions Rent Spree product. When I completed the information for the report our agent, XXXX XXXX, called very upset why we did not disclose that we had an eviction on our record. I too was surprised and upset. I explained it must have just been a mistake by the Credit Reporting Company, Trans Union. In XXXX we contracted with a builder/landlord to buildout a building to be used as a XXXX XXXX XXXX Boarding and Grooming facility. When the lease was presented to us on XX/XX/XXXX, the landlord added a paragraph 26. We all agreed and signed the lease that paragraph 26 holding myself and my husband XXXX responsible personally for the lease did not apply and was clearly not included in the agreement. Our business was a success for almost 15 years until Covid-19 hit and our revenue fell by over 90 % in just a few days. Although we did receive a XXXX which was paid to all our employees the landlord would not lower the rent. We at the same time retained a lawyer, XXXX XXXX who was paid to handle any problems with us selling or exiting the business. The landlord decided to file an eviction notice in XXXX of XXXX of which I sent a copy to XXXX XXXX and his staff informed me not to worry they would handle it. Unfortunately, not only did XXXX XXXX not handle anything he was a no-show at the hearing and consequently the landlord received a default judgment. Because our attorney did not show up the court was never given a copy of the signed lease. The landlord actually stated there was no lease! Any individual who has ever taken a basic business law class can tell you a XXXX XXXX contract must be in writing and at no time were we ever asked to pay any amount to the landlord for an eviction! We now can not rent a decent property for myself, my husband, my handicapped daughter and our two dogs. If Trans Union had just taken a moment to review all the facts we presented it would have been clear. They did not even take one day to respond and gave not weight to the letter provided by our current attorney, XXXX XXXX, XXXX and the copy of the lease which is black and white! Can you please help us to clear this very clearly incorrect information in the report so we can just find an apartment we can live in our retirement. Thank you very much for your help in this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-27
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
XXXX Cfbp ID number. World Finance Corporation, states discrepancy with my FTC Affidavit & Police Report. World Finance Corporation, per the Fcra 15 1681 rule, Identity Theft. Please provide to me a copy of the original loan dated and signed fraudulently with my name, address, state identification used in opening two accounts that World Finance Corporation has been reporting on all 3 credit bureau 's since 2019. In 2019, I noticed these fraudulent accounts being reported to the credit bureau 's. The information on each the FTC & Police Report- is the same in stating 2019 as begin date. Please explain the method World Finance Corporation used in determining a discrepancy in information accordingly with the CFR 12 1022.3 & FCRA 15 - 1681 Identity Theft. Please provide this information ASAP. Thus, all communication regarding this matter, will be handled with the CFBP Website. I will not communicate with this company outside of this platform unless matters should need to be resolved our attorney 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, a payment inquiry was sent to Loan Care in order to find out what was the late balance owed from the Texas Homeowners Assistance program. My mortgage company never responded. I called them several times and they finally admitted to receiving it but did not respond. On XX/XX/XXXX the HAF payment was sent electronically to loan care, and they still have not updated the payment. Loan care is not handling this well. They can never seem to answer my questions. They confirmed the payment was received but can not tell me when they will process it. I will likely now get more late fees and have negative impact reported by them to the credit bureaus. Texas HAF sent {$10.00}, XXXX on XX/XX/XXXX to cover XXXX, XXXX, XXXX, and XXXX mortgage payments. On XX/XX/XXXX the payment has not been applied.

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 2023-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I was going through my credit report and notice some wrong information on all 3 credit reporting agencies ( XXXX, TRANSUNION, and XXXX ) that I am requesting that they are investigated and removed. Wrong addresses and phone numbers that were never mind, I have filed a police report with the XXXX Police Department for possible identity theft and put a freeze on my accounts.

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 2023-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/XXXX, I made a payment of {$13000.00} to my Capital One Quick Silver Card. 
My Card Balance at the time was only {$2800.00}. 

On XX/XX/XXXX, I called Capital One to refund me the Credit Balance in the amount of {$10000.00} in the form of a check as they stated they do not allow for ACH Transfers for Credit Balance Refund. 
Representative said, since you have a new account and since this is a large payment, we will have to wait 30 days before the payment clears. I said okay. 
Shortly after my card was restricted from making purchases. 

XX/XX/2023 I get a letter that I have to verify where the payment was coming from and my identity. 
I submitted my identity and the payment came from a XXXX XXXX XXXX. 

On XX/XX/XXXX, My credit card reflected the {$10000.00} being removed from the account. 

Since Then I have Spoken to at least 5 different representatives, who removed the card restriction and told me i should have a check in hand within 10-14 business days.

One XXXX from Capital one whose id was XXXX XXXX XXXX from Capital one who I spoke to one XXXX XXXX who guaranteed me that i should have the check in hand by XX/XX/2023 On XX/XX/XXXX, I mailed a letter to the address provided to me by XXXX employee ID XXXX XXXX 

Today is XX/XX/XXXX, I called again. Spoke to a woman who transferred me to a supervisor who was unable to help me. that transferred me to another woman who i was explaining everything to and the call got disconnected. 
Later I called back after I didn't get a call back after the disconnect. 
I was helped by one XXXX whose ID Number is XXXX and he basically said the last person who was helping you submitted a form that now doesn't allow us to see what's going on and only that last person can help you and we don't have any way of contacting her or knowing who she is, since you weren't able to get her name and agent ID. 

This should not be allowed by a Major Bank as big as Capital One.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
Bought out my lease at the Kia dealership. Dearlership told me I did not have any payments left on the lease. Two weeks later Kia Finance autmotically withdrew another payment for the lease. I contacted Kia Finance and they told me the dealership is supposed to inform me to remove auto payments. 

Kia Finance will refund my final lease payment by sending a check at the end of the month. This is a period that they would charge 7 % interest on ; I, of course, am unable to collect on that.

The dealership was wrong about not having any more payments on the lease, but it shouldn't matter : Kia Finance is made aware of lease purchases the day they are complete. There is no reason Kia Finance could not simply cancel the loan payment account in order to avoid any additional automatic payments.

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 2023-02-16
Company: Kovo
State: MI
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:
XXXX keeps reporting fraudulent items on my credit report. The account is Kovo Inc I dont when it was opened but Ive attached the police report and FTC report and again this placed back on my credit report

Company response to consumer: Closed with non-monetary relief