BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX has sent the same letter 2 times to all credit agencies to inform them to take the mortgage off my credit as derogatory. The first letter was sent in XXXX and the second was sent in XXXX. XXXX is the only one that has done this. The others have not and it is hindering us getting another home loan. It has been well over the 90 days they say it can take to fix this. We are now approaching 180 days. XXXX the amount of time they say it could take.ni am fed up with this and want this fixed NOW!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: VW Credit
State: DC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I decided to payoff the value of my leased XXXX XXXX and keep the car as the lease term approached expiration. I reached out to VW and obtained a payoff quote and the documents required on XX/XX/2021. On XX/XX/XXXX, I sent to XXXX XXXX  XXXX XXXX a cashier check for {$17000.00} payable to XXXX XXXX  XXXX as instructed in the Vehicle Payoff Instruction List sent to me by Volkswagen Credit on XX/XX/XXXX. We were informed that we would receive the title documents within 3-4 weeks. 
- XX/XX/XXXX : When we did not hear back from the company, we contacted them for follow up on XXXX XX/XX/2021. We were informed that the documents should be sent by the end of the week and promised that an expedite request would be put forward. 
- XX/XX/XXXX : having not heard anything we reached out again only to be informed that our Odometer Disclosure is missing. It was incorrect since we did send the disclosure with the check. 
- XX/XX/XXXX : we sent the Odometer Disclosure again. 
- XX/XX/XXXX : We contacted them we were told that the documents are in the mail and we would receive them in a couple of days. 
- XX/XX/XXXX : we demanded escalation and we were connected to a manager. She advised that VW made a mistake submitting our documents to their service provider that handles lien release and that this was corrected and we would get an update within 24 hours. 
- On XX/XX/XXXX we also asked through VW Credit portal to receive an official letter confirming that we have fully paid the value of the vehicle. We received no acknowledgement or response. 
- XX/XX/XXXX : we followed up after failing to receive the promised update only to be told that the title and lien company was only given the request to release the title on XXXX XXXX and that their process would probably be completed by the XXXX or the XXXX of XXXX. 
After all these changes of stories and information we believe that the company is either grievously negligent or actually in bad faith. Either way the harm to us is the same. We are unable to trade, refinance or resell the vehicle and we are stuck unsure when we will be able to get access to our money and get the full use of our fully paid property. The company is acting with impunity and DC law does not impose any penalty on the company for withholding out title to the vehicle in this way. We contacted the DMV asking if there is a process for them to intervene and there was none.

I really hope that CFPD can interfere to protect us from this abuse of company power and unfair treatment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I got a call on XX/XX/2020 from a person claiming to be with Lendgreen. I do not recall ever doing business with this company. They appear to be an online tribal lender trying to do business in Arizona in violation of the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: SYNCHRONY FINANCIAL
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:
My Old Navy credit card, issued by Synchrony Bank, was set to expire XX/XX/2022. I have a perfect payment history with Synchrony Bank, and a 100 % payment history on my credit report. Synchrony Bank closed the account without warning me, and could not provide a valid reason for doing so. I did not receive any letters or warnings. My credit before they closed the account was better than it was when I applied for the card. They should not have approved me if they were going to later close the card, as that hurt my credit score more than never having the card in the first place, and is now affecting my ability to look for apartments. I had my credit in a good place, and had a plan to get it in an even better place - a plan that's now been ruined by them closing the card and decreasing my available credit. The fact that they did this during a global pandemic is even more egregious. Because my credit was better now than it was originally, I suspect discrimination based on my name, among other things, was involved in the decision.

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 2021-10-02
Company: WATERMARK CAPITAL, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I worked with watermark home loans to refinance my house. We agreed on a no cost refinance loan. The lender credit was suppose to cover the expenses of my refinance. When I received Closing Disclosures they were never correct and constantly changing. We I voiced this to the lender over the phone they said don't worry it will be correct on signing. After I signed I notice the lender credit was only {$600.00} and fees paid to borrow were {$3100.00}. I called the lender and they stated that the reduced lender credit is because they had to extend the loan because all of the changes I made. My appraisal came in lower than expected which caused me to reduce the cash out portion. I was never aware a loan lock was being charged to me. XXXX XXXX who worked with me through this process told me the company is not going to do anything and they can just cancel the loan and applied pressure stating rates have increased anyway, as well as good luck finding a better rate now. An email below from the processor even states the initial terms of the loan which had a higher lender credit. 

" XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me XXXX, the revised pricing for the $ XXXX loan amount you requested is shown below. 
Youd still be at 2.875 % with a {$1500.00} lender credit and your new P & I payment would be {$1200.00}. 

Hope that helps you know which way to go Regards, XXXX. 
XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: Delta Outsource Group, Inc.
State: MS
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:
The collectors refuse to remove account from my credit report. The amount of {$300.00} dollars owed to XXXX  XXXX XXXX  for the {$300.00} dollar line of credit was paid in full to XXXX XXXX ( name of creditor on credit report at the time of payment ) who sold information to XXXX XXXX ( who is now appearing as creditor on credit report ). I could not pay XXXX  XXXX ( original debtor ) directly because the account and personal information was sold to XXXX, to XXXX XXXX, back to XXXX XXXX, to XXXX XXXX and now Delta Outsource Group ( as of XX/XX/2020 ). XXXX is notorious for false collection practices like sending court documents to previous addresses so the DEFENDANT IS A NO SHOW IN COURT AND THEY VIOLATE THE STATUTE OF LIMITATIONS LAW. XXXX and XXXX XXXX are the only creditors currently showing negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Arnold Scott Harris, P.C.
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, XXXX XXXX 
Attorneys At Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX XXXX In XX/XX/XXXX, Said law firm, which operates as a debt collection agency, called our cell XXXX, numerous times asking for and leaving messages regarding an attempt to collect a debt in the name of XXXX XXXX. 

At this time, I called back informing them that there was no one here by that name, and to cease and desist calling per FDCPA 15 USC 1692, and the Collection Agency Act of Illinois. 

On or about XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX, XXXX XXXX, with said law firm, again started calling and leaving voice messages for XXXX XXXX operating under supervision of the person who identified as DIR of OPERERATIONS XXXX XXXX in clear violation of the FDCPA and Collection Agency Act of Illinois. 
I can provide the voice recording upon request. 

When I called back the number provided by XXXX XXXX in voicemail ( XXXX ), and asked for a supervisor, I was shuffled around. I specifically asked the man on the other end who identified as a supervisor, If they were aware of the FDCPA, and specifically if they were a debt collector, or law firm trying to collect a debt on behalf of a debt collector. To this inquiry I was given no response. 

As a law firm specializing in debt collection practices, there is no excuse for the flagrant disregard for federal and state laws of which the staff of ARNOLD SCOTT HARRIS engaged in, or the deliberate attempt of his staff to conceal their identity and role in the illegal activities of what is an unethical attempt to prevent complaint filing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
There are atleast 3 fraudulent accounts in my name still being reported by Transunion & XXXX I have provided identity theft documents several different times to XXXX & Transunion to inform them of the fraud to no avail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Penn Credit Corporation
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:
Penn Credit Corp is trying to collect a debt from a power company in XXXX on a house i used to own. I did not own the house for the time period this bill is being assessed. I have provided the public record ( recorded deed showing the sale on XX/XX/2016 ) to XX/XX/XXXX and they are refusing to change the report. I have told both XXXX, Penn Credit Corp and XXXX XXXX that i no longer owned the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
Transunion has locked my credit file so that other agencies like fico are not able to provide me with XXXX bureau credit reports and their own website has locked me out of access to online disputes. I just had to hang up in an XXXX lady that did n't know what she was talking about and kept telling me I still have XXXX balance on an account that XXXX reports as XXXX balance. If I try calling the credit company itself, XXXX, I 'm met with even further incompetence and this XXXX account is the only thing preventing me for being approved for any worthwhile credit card or loan. They 're costing me a lot of hardships and dragging their feet and pretending ignorance least they be this XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have a problem with unauthorized transactions or skimming from my account. This has occurred on various occasions especially when I am out of town on vacation. In XXXX, when I went to XXXX, I added about {$2500.00} to my account while in XXXX as my account was low. Within a day or so, the money was depleted and my phone was lost twice, the second time unrecovered. I filed a report with the casino I was staying with concerning the lost/stolen phone and missing funds. The same thing occurred upon a trip to XXXX ; due to low funds, I added {$400.00} to my account yet the balance remained low not due to any purchases on my part. I booked the hotel through XXXX at a rate of {$470.00} for the weekend. The hotel charged {$570.00} and when I went to XXXX, it appears that they charged {$570.00} also. Recently, I lost my phone again at a local grocery store and when it was recovered at the store, several unauthorized transactions were discovered and a legitimate charge was bounced from my account with a {$35.00} fee. When I went to my mobile account, I discovered other charges which were not listed previously when I reviewed my account and my mobile account would not permit me to see antecedent charges to reconcile my account. In prior years, I have surmised monies missing from my account in the amount of {$15000.00}. I know I had not requisitioned the amount from my XXXX as I had just commenced social security payments. I went to the Banking Commissioner and filed a complaint, to the police department, my accountant and the bank -- to no avail. I received printouts on my account at the bank on each occasion and was not able to ascertain where the money went. Thus, I believe that skimming has been occurring in my account in the past, but more abundantly this year. It has caused stress. missed bill payments, overdrafts with fees and the lack of enjoyment of vacations -- especially in XXXX where we enjoyed no high end restaurants, shopping or shows and very little gambling went on after the first night because the funds were missing. Hopefully, your agency can assist in this matter as if it occurs in my account to the extent which it has. larger accounts may suffer massively if they are not as attentive to their account as I am. Thank you in advance for your assistance.

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 2016-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX credit card on my report is not mine. The account is my ex-husband 's and I had no legal responsibility to this credit card. He has paid the credit card with a agreed upon settlement amount however this card is showing on my credit report. I have made several unsuccessful attempts to resolve this, XXXX has repeatedly told me that I am not responsible but wo n't provide me with a letter or promise to remove the negative info. They state that they are not trying to collect the debt from me and it is a closed matter, however it is reflecting negatively on my report. Please help me resolve this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing the complaint against XXXX, Experian, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

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 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

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 2015-09-25
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the past Ive been allowed to make partial payments on my mortgage. Today I attempted to pay XXXX of my mortgage XXXX {$1000.00} XXXX. I was advised I could n't, I asked to speak to a manager and was told by the man " it does not matter, I will not allow my manager to accept the partial payment ''. A young lady got on and said she was a senior rep, that a manager was not available. She had then told me she would not except a partial payment either. Then proceeded to tell me per my finances there is no reason I should be making partial payments. I then again asked to speak to a supervisor, she would not put XXXX on. When I mentioned the CFPB, she hung up on me. It be different if they never accepted a partial payment before but they have, on more then XXXX occasion. There was also no reason for here to tell me about my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: Experian Information Solutions Inc.
State: CA
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 reviewed my Consumer Reports and noticed that I had one late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I submitted my complaint already but I uploaded another document, just wanted to make corrections

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 2021-10-02
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am requesting for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that Resurgent Capital Services provides me with competent evidence that I have any legal obligation to pay them. I am asking Resurgent Capital Services to please provide the following : 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my WET signature stating that I have agreed to assume the debt. 3. VALID copies of the debt agreement stating the amount of the debt and interest charges. 4. Proof that the Statue of Limitations has not expired. 5. Complete payment history on this count along with an accounting of all additional charges being assessed. 6. Tell me that you are licensed to collect my state ; and 7. Your license numbers and Registered Agent. If proper validation of the alleged debt can not be provided, I demand Resurgent Capital Services immediately delete and completely remove this alleged account from my credit file with all three credit reporting agencies ( XXXX, XXXX and XXXX ). I also demand that Resurgent Capital Services agrees to have no contact in any form with me regarding this alleged debt now or in the future. Lastly, I demand that Resurgent Capital Services agrees to remove my personal information from all accounts in its companies database.

Company response to consumer: Closed with non-monetary relief