BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-16
Company: Global Lending Services LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My husband and I purchased a car in XXXX brand new and were financed through a company called Global Lending Service based in South Carolina. 

In XXXX of XXXX, our city was hit by a tornado and several trees were struck down. One tree in particular covered the entire southbound lane of XXXX XXXX XXXX XXXX ( 2 lane street ). To avoid hitting another vehicle head on, my husband and oldest daughter were forced to hit the tree that occupied the entire lane. 

In short the SUV was declared a total loss on XX/XX/XXXX. XXXX our insurance company released a partial payment for the value of the vehicle in the amount of XXXX on XX/XX/XXXX. Gap Insurance paid an additional XXXX on XX/XX/XXXX. NOW Global Lending Service is saying I owe a balance of XXXX. They are saying this amount accrued for the months of XXXX, XXXX, XXXX and XXXX. I'd not heard anything from Global Lending about an amount outstanding or owed until XX/XX/XXXX when they charged off my loan for that which remained. 

How is this fair business practice? I was never notified that XXXX paid a partial payment until I noticed the loan reporting as delinquent on my credit bureau. 

1. My credit score dropped over 60 points for an accident that was an act of nature 2. I was not given any notice that a balance existed on my loan I was told it was totaled and they were waiting for a payment from XXXX in XXXX my previous months car payment had been paid current. 
3. No one from Global Lending Service attempted to contact me until XX/XX/XXXX. So from XXXX I'd accrued this outstanding amount and I see this as unfair and poor customer service. 

I've spoken to several people at Global Lending Service who are offering a settlement however I am without a car, left with a negative credit score as a result of something that was beyond my control. 

Who can help me, and how can this be mitigated in the future as potentially other customers are at risk. 

My belief is Global Lending Services practices these unsound practices as a way to procure additional monies from customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: CA
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:
On XXXX I mailed a dispute letter disputing inaccurate accounts that have been involved in identity theft that are still showing on my credit report. I never received a response and has been well over 60 days. Therefore, I submitted a complaint on XXXX with all of the documents I mailed on XXXX and EQUIFAX replied saying they needed legible identification to proceed. This is a stall tactic for them to not follow federal law because I submitted legible identification which was my DRIVERS LICENSE, SOCIAL SECURITY CARD, and a utility bill that has my current address. I am submitting the complaint again because they are infringing on my consumer rights!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Concord Servicing Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
First I DID NOT RECEIVE A WELCOMING LETTER FROM CONCORD! Inform delivery shows that the Concord letter was on Saturday, XX/XX/XXXX, was NEVER DELIVERED TO ME!! 
I barely receive mail through the USPS ; my neighborhood DOES NOT HAVE a regular postal person so I signed up for USPS INFORMED DELIVERY so I could see when any mail was coming. This is why I pay EVERYTHING ONLINE, because I do not get my mail timely. 

Mailing my payments could get lost, misplaced be considered late and ruin my credit which is excellent. I haven't mail a letter in almost a year and a 1/2 ; because of the poor service from USPS. 

I'm a senior on a fixed income and emergencies do happen such as the sewer backup then 3 days later the waterheater went out. I DO NOT WANT AUTOMATIC PAYMENTS WITHDRAWN FROM MY ACCOUNT BECAUSE XXXX HAPPENS THEN I HAVE CHECKS BOUNCING. 
I have applied for a loan so I may pay off Concord in full, because your company has caused me XXXX already. Also I mailed my payment on XX/XX/XXXX let 's see how timely it gets there! I had to wait in line at the post office with the Covid virus!!

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 2021-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account has been closed since early XXXX. I was first told they would release my money to my external XXXX Account however they then said there was a last transaction dispute. The transaction dispute has since been resolved and it was in my favor however this company has still not released my money. They have been holding my money for over 2 months with constant promises to return. When I called today they keep sending me to a voicemail and refuse to discuss the issue. On Wednesday XX/XX/XXXX, the transaction that they said was keeping them from releasing my money was settled and said all temporary credits are mine to keep. The claim number is XXXX. I WOULD LIKE MY MONEY TO BE DISPERSED INTO MY EXTERNAL ACCOUNT AS PROMISED. CAPITAL ONE 360 IS THE WORST AND IS KEEPING ME FROM PAYING MY BILLS BECAUSE THEY ARE UNLAWFULLY HOLDING MY MONEY WITH CONSTANT CHANGING STORIES ON WHY IT CAN NOT BE SENT TO MY EXTERNAL ACCOUNT BUT NOW THE LAST CLAIM HAS BEEN SETTLED AND THEY HAVE NO REASON TO KEEP MY MONEY ANY LONGER!!!!!! I WANT MY MONEY BACK. THIS IS NOT RIGHT TO DO TO A CUSTOMER IN THE MIDDLE OF A PANDEMIC!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-20
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023, I received an email from Rocket Mortgage stating that a check for my escrow overage for the year had been mailed to me on XX/XX/2023. I had yet to receive the check in the mail, so I called Rocket Mortgage to inform them that I didn't receive a check for the overall on XX/XX/XXXX. After speaking to the representative, I discovered the check was sent, but the mail was returned to them. However, they told me they couldn't release the funds because my account was on a forbearance plan until XX/XX/2023, because of a natural disaster that was declared in XXXX XXXX. I told them the account wasn't in forbearance when the funds were released, and I asked them to resend the funds to me. When they couldn't resolve the problem, they sent me a supervisor who stated that even though they sent out the check, if I had the check, I could cash it, but because they got it back in the mail, they wouldnt resend the check until I pay XXXX mortgage payment. I informed them that I didn't pay the XXXX payment due to the natural XXXX that was declared in XXXX XXXX, which financially impacted me to the point that I asked for a forbearance. She stated that nothing could be done until I made the payment for XXXX ; then, they could resend the check. However, these funds were already sent to me in a check on XX/XX/2023. 

Once the funds have been released, they shouldn't be able to withhold them from you. In addition, a forbearance is meant to assist your customer during times of hardship ; why would your customer be punished for being a part of this program by withholding funds that are due to them that could assist during their time of distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.

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 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
XXXX XXXX XXXX A XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. 

They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : List of accounts to be deleted Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : ( Original Creditor : ) Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX ) Account Number : XXXX Account Name : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681, and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. 

Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes your social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. So, with that being said, with great power comes great responsibilities. It's really up to you how you want to use this information. Best regards, 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 2023-02-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX account was closed in a dispute on my credit it still says XXXX balance, account is closed and XXXX XXXX does not have permission any longer to get my credit info

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 2023-02-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, I am the living man, executor, beneficiary of XXXX XXXX. It has come to my attention that although I have written several letters asking for validation of debt, audit trails i am not getting any response because of the automated system you have in place which in fact is a violation as well.. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws 15 USC 1681 ( a ) ( e ) 15 USC 1691 15 USC 1601 15 USC 1692 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( 1 ) I am afraid these three credit reporting agencies have not been exercising the grave responsibilities that were given to them with fairness, impartiality, and a respect for the consumers privacy.

I did not give consent to these accounts.

I have remained humbled despite the stress, abuse, and harm thee three credit reporting agencies have done to me.

DELETE THESE ACCOUNTS :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Experian Information Solutions Inc.
State: IL
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:
I've sent multiple disputes to all the credit reporting agencies for personal information being reported incorrectly, collection accounts not being verified after I asked for documentation via mail, payment history not being updated after I had correspondence with the company to correct inaccurate information that they were reporting to the credit bureaus, and disputes for inquiries I did not authorize. 
XX/XX/2021, XX/XX/2021, XX/XX/2021, I sent a fourth set of dispute letters but can't locate the receipts.

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 2022-05-15
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
Bank / Credit Card Inquiry XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX SERVICES made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got a copy of your Experian Credit Report. 

XX/XX/2022 What happened? 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your Experian Credit File. When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Source : Experian Company : 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 2021-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see the attached documents and letter for the referenced issues from above.

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 2023-10-20
Company: First Texas Auto Credit, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
On or about XX/XX/XXXX, XXXX and XXXX removed my paid in full : account for First Texas Auto Credit. First Texas Auto Credit has been reporting this account to both XXXX and XXXX since XXXX of XXXX. XX/XX/XXXX. I paid the Auto account with 1st Texas off in full. XX/XX/XXXX, I in writing requested that 1st TX Auto, accurately update my profile to reflect the account was paid off in full and to list the high balance ( this information was missing in the reported data. ) Around XXXX XXXX, XXXX, The First Texas Account Credit Account was DELETED from my XXXX, and XXXX credit reports. I did not authorize or request the deletion of the 1st TX Auto Credit account. I contacted XXXX on XXXX XXXX, XXXX and requested that the First Texas Auto Credit account be added back to my credit report. XXXX ' agent informed me that XXXX can not place the account back on my credit report after it is deleted. I called XXXX on XXXX XXXX, XXXX, and was informed by its agent that I have to contact 1st TX Auto Credit and request that the creditor place the account back on my credit report at XXXX. XXXX XXXX, XXXX, I spoke with XXXX XXXX XXXX at 1st TX Auto Credit and asked that the Auto account be re-added to my credit reports. Also- That I did not authorize the deletion of the account. The deleted account has caused my credit score to suffer a decrease of XXXX points. I paid the Auto Loan off in full. I want the account to remain on my credit reports. XXXX XXXX ( 1st TX auto ) informed me that he ( XXXX XXXX ) - would contact XXXX and see what to do about the account and that he would call me back the same day. No follow up contact was made to me by 1st TX Auto. At this time. The 1st TX Auto Credit is currently missing from both my XXXX and XXXX credit reports. The account was removed from my credit reports without my consent. The 1st Texas Account had been on my credit reports for at least three and a half years before this account was deleted without my permission.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: Continental Finance Company, LLC
State: NJ
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:
I have paid this account off in full. I tried disputing with the credit bureau, and the information has still not been updated to reflect the correct information. I have even sent in my proof that the account was paid in full, but my report is showing still a charge off.

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 2021-12-06
Company: EQUIFAX, INC.
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: Account status incorrect

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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXXDate of inquiry XX/XX/XXXX XXXXDate of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: Gurstel Law Firm, P.C.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX XXXX XXXX has sent me yet ANOTHER scam packet through the US Mail.

I DO NOT HAVE OR HAVE EVER HAD ANY ACCOUNT AT THIS THIRD BANK THEY NOW SAY THEY HAVE ALREADY GARNISHED AND STOLEN MY MONEY FROM.

I HAND DELIVERED A LETTER TO THEM FOUR MONTHS AGO TELLING THEM TO STOP CONTACTING ME. 

I AM ON SOCIAL SECURITY AND I AM NOT PAYING THESE SCAM PIECES OF XXXX XXXX CENT. 

I DONT KNOW WHAT THIS SUPPOSED DEBT IS FOR, I DONT CARE. 

WHY ARE THESE PEOPLE ALLOWED TO KEEP BREAKING FEDERAL LAWS????? 

The XXXX ALSO NEEDS TO BE INVESTIGATED. THEY HAVE OPTED TO NOT DO THEIR JOBS. THEY ARE ALSO OWNED BY XXXX MONEY GROUPS. 


FIX THIS XXXX COUNTRY!!!!

Company response to consumer: Closed with explanation