BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-24
Company: VW Credit
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Vw credit has violated 15 usc 1635 and 15 usc 1692d. 
They have admitted that it has no merit and this is another violation seeing as their actions and inactions are a violation of these U.S. codes. 

They have also failed to provide the disclosed material that was given to me in accordance with 15 usc 1635. 

VWcredit has admitted to an additional finance charge. This is illegal as it is supposed to be the sum of all charges. 

All actions against me since XX/XX/2021 when they received their dispute Of debt, are a direct violation of 15 usc 1692g ( d ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2022, TransUnion did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, TransUnion rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- TransUnion mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of New Hampshire and federal law. That the debt could have been generated, in the firstplace, places XXXX XXXX XXXX  University at-fault for the debt. New Hampshire is negligent in the performance of its duties to its masters, the People of the State of New Hampshire.

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 2015-04-22
Company: Risecredit, LLC
State: WI
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Debt collector calls me XXXX after another XXXX another and call my work phone to continuously. I ca n't take personal calls at work so I pick up and hang up right away. I 'm afraid of this continues im going to get fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
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 FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2016-10-07
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have had Federal Student loan since 2007, that 's when I have began my XXXX XXXX XXXX and where I had hoped that after completing my course I will start my professional career but it all ended up to nothing counselor at the school did not help me at all while being in the school or after completing did not guide me to get job and to start my career. they lied to me. it was really frustrating and it 's all hurting up until now. at first in 2007, at that time my loan was approved by the company called XXXX I was not able to afford the expenses and at that time I really need the job with high pay. seeing that people at the college showed us big dreams but at the end we got nothing but just to pay off the loan we got just to learn nothing. after not finding the job in field I have worked hard in checkers and began making my monthly payments because I really did not want it ruined my credit. now, recently, almost a year before my account has been transferred to AMERICAN EDUCATION SERVICES, I have tried and explained to them that currently I am not working and explained them all in details how the school have cheated me but they are saying they can not help. and MOST important when I log into my American educational Service account online I see everything including the date my loan granted but I do not see my payment history from the beginning to up until now, i made a lot of payments toward my loan and on the payments checks I have wrote a note to apply all towards my principal balance but now even after i have made those payments I do not see the principal balance has been gone down in fact they just keep like to add interest on top it. i have requested them several times why the payments I have made toward my principal loan while my account was with XXXX why does not reflect on my account or when i ask them I need see it. they just say they will send the request to my previous loan carrier which was XXXX and they will mail you, i never had received the mail and i requested them several times. but my question is if it is same account that has been transferred to AMERICAN EDUCATION SERVICE and they are showing every single things but missing my payments history why this has not been transferred to them and should reflect to my account currently. I need know where the payments went to? as for my knowledge I paid like almost near {$3500.00} toward my principal balance but I do not see that amount reflecting my account. where did it go? it should have applied to Principal balance. but if not where is it on my account? i see all interest that has been added from past 2007 but where are total numbers of those payments I made toward the principal? If they will not forgive my loan? I need them to get the total of the payments I made from beginning from 2007 up until now and deduct that from my Principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Performant Financial Corporation
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016, Performant Financial also known as Performant Recorvery Inc. made an unauthorized inquiry on my credit report. 
Additionally, I have not received any written communication from this company to verify the debt owed.

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 2021-12-24
Company: EQUIFAX, 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:
equifax failed to remove the following from my credit report can youi please look into it XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX Dispute this XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: Fay Servicing, LLC
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
GreetingsXXXX Company keeps trespassing on my private property. We are in court over the mortgage and they keep sending a " property preservation '' person to come on to the property yell at us and take pictures of my private XXXX ( which has nothing to do with the mortgage ), house and harass us. If they have any questions about the property being occupied they can contact my lawyer. 

XXXX of their property check people was a XXXX! I finally got the XXXX XXXX XXXX 's dept to issue him a trespass warning to stop him from coming on to the property. I have a portrait studio with parents and children that come here for sessions!!!!! 

They are also falsely billing for this so called " property preservation service ''. That should be removed immediately and credit plus interest should be deducted. 

I contacted them to find out more information about this harassment years ago. And no knows anything ... 

Thank you for your time and attention, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: Van Ru Credit Corporation
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 am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-27
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had this card since XXXX of 2021. And I pay very well on it by the love and will of Jesus Christ and our loving precious father God. I do believe these companies think they can take advantage of older people I am ( XXXX XXXX XXXX ) I have been paying monthly payments on this credit card since XXXX of 2021 and every day up until now this month XX/XX/2021 I have payed my monthly bills. I had no earthly idea that the company wasn't applying my monthly payment 's. Okay my first payment was in ( XXXX of 2021 and I payed XXXX payment for XX/XX/2021 ) then thereafter I have been ( paying from XX/XX/2021 to present XX/XX/2021 XXXX month 5 months I have payed my bill to them faithfully ) then I decided to check the balances over the phone because I would have never! In my life thought my bill was still at a balance of ( XXXX when I only had a spending balance of XXXX I am like what??? I have payed those people 's XXXX on a XXXX store credit card and they have not! Applied my payments toward my balances. I called them and asked them for my statements several times and they refused to send me my statements to my new address from the beginning and they will not sent me my statements I called and called several of them that work for this company plus mangers and all. They are refusing to add my payments I have payed them and they are refusing me my monthly statements from XXXX up until XXXX and they will not give me print outs are where are what they have done with all my payments. It's terrible I have payed these people 's and they not applying all my monthly payments. It's no way I have payed them ( XXXX ) and my bill is still XXXX because they only had given me XXXX store credit. I told them it's illegal fraud and thief they told me boldly and coldly you will not get your statement 's from your payments each month we will not sent them too you cold heartedly and they have not! And never sent me anything about my monthly payment 's not applied and never been applied. Be blessed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-24
Company: OneMain Finance Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
the complaint is against one main financial located at XXXX XXXX in XXXX NC. i called them to inquire about a vehicle loan and that i might be interested in getting one. i told them once i pretty much found something, i would call back, after i did some shopping around online or in person. i found something i liked, online. so i called one main back but this time they never answered my calls. i tried calling a few or a couple of times and calls went unanswered. i know i had poor credit in the past, but it is good now. very good. and i explained that to them. and that i worked on my credit to bring my scores way up again. but that gave them no reason to ignore my calls. i know they were open and not closed because they normally close around XXXX or so and i called way before that time. but that's ok. dont bother calling when it's time for a payment. i will block your number and i am going to have these accounts removed from my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-24
Company: TMX Finance LLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
TITLE MAX OF GEORGIA is claiming that I owe an alleged debt from XX/XX/2021 in the positive balance of {$2800.00} with the finance charge being {$320.00}. In the written initial communication, I noticed several violations such as billing errors, reflecting an alleged debt owed in a positive balance, referring to the consumer in all capital letters instead of referring to the consumer as a natural person in proper spelling, charging the consumer unlawful charges outside of the finance charge. I also noticed that in the written initial communication, I was not given the proper forms and full disclosure about my right to rescind and my right to opt out of anything being reported to consumer reporting agencies. So, I sent a notarized debt validation letter on XX/XX/2021. TITLE MAX OF GEORGIA never responded which is another violation. Next, I sent a notarized cease and desist notice stating my demands based on the violations on XX/XX/2021 after receiving multiple calls from TITLE MAX OF GEORGIA attempting to collect a debt. On XX/XX/2021, I sent a notarized affidavit of truth with exhibits attached based on the same violations to TITLE MAX OF GEORGIA with a bill of particulars attached. On XX/XX/2021, TITLE MAX OF GEORGIA responded by sending me a letter stating that they received my notices but still believes that I owe this debt and attached a copy of the electronic agreement with " PAID '' written across the pages. TITLE MAX OF GEORGIA is willfully neglecting my consumer rights and the documents I have sent to them. All of these documents were sent via XXXX certified mail to the registered agent of the company. I have prepared a default and opportunity to cure to the company due to not responding in the time frame given on the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Flagstar Bank, N.A.
State: OR
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:
We were under a XXXX forbearance but have begun a loan modification with Flagstar Bank. Our first payment was made XX/XX/XXXX. Then on XX/XX/XXXX a change on our account prompted XXXX alerts from XXXX and XXXX saying that there is new " major derogatory '' information on my credit report. This new information seems to be related to the fact that we made our first mortgage payment under the new terms of the modified loan. The comments on the account in question say " paying under a partial payment agreement, '' meaning that the amount we are paying is less than the monthly amount of the previous loan. It was our understanding that a XXXX forbearance would have no negative consequences to our credit report, so I called both XXXX and Flagstar Bank and asked them to correct this error. A new letter, dated XX/XX/XXXX, from XXXX says that they updated the information, but the supposedly updated information is unchanged. It still says exactly the same thing, word for word. The letter says the following : " The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. '' I am not sure what I should do at this point, but this seems to be an error that Flagstar should correct. Please 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 2020-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CONTINUING TO FURNISH INVALID, INACCURATE AND/OR OUTDATED INFORMATION ON MY CREDIT REPORTS. PROVIDING FALSE AND MISLEADING REPRESENTATION UNDER FDCPA AND FCRA GUIDELINES.

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 2021-12-24
Company: Maximus Education, LLC dba Aidvantage
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:
You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

As a consumer by law these accounts on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have been making monthly payments on medical bill then received additional collection bill for same company even tho I disputed the additional amounts as being incorrect. Now collection agency is filing a judgement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 am writing and submitting this letter of my own accord and without any assistance from third party involvement. The CFPB has my authorized permission to investigate this complaint for me. I am a victim of identity theft and I demand that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

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 2015-07-16
Company: FIRST CITIZENS BANCSHARES, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On Monday, we got a phonecall from the person ( XXXX XXXX ) who did the appraisal on our property at the request of First Citizens Bank & Trust - North Carolina. He informed us that the appraisal was inaccurate and that he 'd notified the bank. The bank was however trying to fool us into believing the appriasal was accurate. XXXX XXXX said he would refund the money we paid the bank for the appraisal. He 'd made the same offer to the bank, but the bank refused to take it. As a result of the bank 's desception we have lost the house we were going to build on our property, lost the builder, lost the downpayment, and lost the loan application fee. Not to mention, losing a year now that it 's XXXX and they 've been pulling this scam on us since XX/XX/XXXX. 
Resolution ... .I 'd like to see the bank lose it 's license to do business in North Carolina and plan to also file this complaint with the State 's Bank Commissioner.

Company response to consumer: Closed with explanation