BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is in violation of federal FCRA rights. There is an account listed on my report ( and illegally shared with other companies that do credit checks ) that is due to identity theft and there is no information that it belongs to me.

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 2021-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I requested a credit report from TransUnion, and it arrived in an unsealed envelope on XX/XX/XXXX, though I did not discover the envelope 's status until XX/XX/XXXX. I called TransUnion on XX/XX/XXXX to complain, as TransUnion 's return address was visible from the exterior of the envelope and would have alerted unauthorized others about the envelope 's contents. The security of my confidential information was breached. 

The TransUnion representative I spoke with put me on hold and came back to say that I should contact the United States Postal Service, as TransUnion provides documents to the USPS for envelope stuffing and mailing. I certainly hope that conversation was recorded. I went back and forth with the representative about the accuracy of her statement, and the call was disconnected for unknown reasons. 

On XX/XX/XXXX I initiated an investigation with the USPS regarding TransUnion 's claim. On XX/XX/XXXX I received an email from the USPS stating that the USPS does not stuff envelopes for companies. 

On XX/XX/XXXX, at the recommendation of a CFPB representative, I mailed a written complaint to TransUnion. I sent this certified so that I could track its receipt. On XX/XX/XXXX I received a response from TransUnion. It was a generic letter indicating that I had filled out their complaint form improperly or illegibly. 

In the meantime, I spoke with an attorney on XX/XX/XXXX who suggested that I request a new credit report each week through XX/XX/XXXX. Given that the online submission process through XXXXXXXX XXXX XXXX XXXXXXXX XXXX does not actually allow me to obtain my credit reports online, I've been sending my requests via certified mail. This is due to the confidential information on the request form. It costs {$7.00} to mail a certified letter. Some people can not afford to spend {$7.00} per week for approximately 42 weeks to monitor for indications of identity theft. It is ironic that some of the credit reports I have to request come from TransUnion, which is the company that caused this whole problem. 

I am asking for assistance in holding TransUnion accountable for neglecting to seal the envelope containing my confidential consumer and personal information. If a health care entity had failed to seal an envelope containing a person 's protected health information, that entity could be penalized by law. TransUnion neglected its duty to protect my data, then blamed the issue on the post office and disregarded my written complaint. I am left with the onerous task of protecting myself from identity theft, and it is costing me at least {$7.00} a week in addition to my time.

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 2021-01-03
Company: FC HoldCo LLC
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX i sent a check for insurance repairs to Flagship Credit as I was unable to make the repairs due to Covid pandemic and I was unable to make my payments as i had lost hours and my husband had as well. I sent the check with the instructions to catch up my account and put the remaining balance towards my principle. When i called to verify they had received my request and my check, the agent informed me that they had received it but could not do as i asked as the check was expired. They stated to contact my insurance company to reissue the check and then they would proceed with my request. They granted me an extension. In XXXX they called stating i was behind. I explained the situation and that i was working to get a new check. I made a payment on XX/XX/XXXX for my XXXX payment. I XXXX XXXX XXXX on XX/XX/XXXX and was XXXX for 15 days. Once i was home and more aware, I contacted my insurance company and they advised that Flagship had cashed the check on XX/XX/XXXX. I contacted Flagship and advised them of the information. I began making my payments again on XX/XX/XXXX and have made a payment every month since. It took Flagship until XX/XX/XXXX to apply the check to my account. They had been reporting me as delinquent since XXXX. I spoke with an agent and advised of the situation. She stated they could not apply the check to my past due balance. I told her that i was told it would be taken care of when i sent in my new check but in actuality they had cashed my check and held on to my money without ever applying it to my account or informing me that they had cashed it. I have asked several times to speak to a manager. I have spoken to agents each month and advised that i am not delinquent as they had the money but refused to apply it to my account. I have been told that it would be sent up to a manager and fixed and it is still not fixed. They have reported me delinquent every month. On XX/XX/XXXX i received a letter stating they would repossess my car if the delinquent balance was not paid by XX/XX/XXXX. I have made my payment every month except XXXX when i XXXX XXXX XXXX. I am not paying the delinquent amount when they held a check for {$5000.00} for 4 months. I have tried to explain the situation. I have disputed with the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: EQUIFAX, 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to bring to your attention an ongoing issue regarding fraudulent accounts on my credit report. Despite the successful resolution and deletion of these accounts by other credit bureaus, they persist in your report. I am providing additional details to facilitate the expedited removal of these fraudulent entries. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXPLEASE DELETE!!! 
I previously disputed these fraudulent accounts and provided supporting documentation, including an Identity Theft Affidavit. Other credit bureaus have acknowledged the fraudulent nature of these accounts and subsequently removed them from their reports. 
I am requesting your immediate attention to this matter and a thorough investigation into the continued existence of these fraudulent accounts on your credit report. As the other credit bureaus have already taken appropriate action, it is crucial that you expedite the resolution of this dispute and remove the inaccurate and damaging information from my credit file.

Company response to consumer: In progress
Consumer complaint received 2021-01-04
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Since XX/XX/2021 I have been disputing a XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXXXXXX XXXX. I again disputed the XXXX entry on XX/XX/2021 and XX/XX/2021 to receive the same response verified. I then sent a certified letter to XXXX XXXX disputing the information on my transUnion credit report never receiving a response, I have pointed out to TransUnion all the inaccuracies on my credit report but they continue to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation and negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and XXXX XXXX I will also provide my most recent credit report High lighting all the inaccuracies.

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 2019-02-09
Company: General Motors Financial Company, Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a new 2019 XXXX XXXX  in XX/XX/XXXX, put money down gave them all my info and in XX/XX/XXXX  received my first bill which I promptly paid. In XX/XX/XXXX I got a call that my XX/XX/XXXX payment was due I said I had not received a statement and was told they would promptly send me another, I didn't.

Saturday the XX/XX/XXXX received another call saying I am now 2 months in arears I explain I haven't. received a statement for XX/XX/XXXX or XX/XX/XXXX I say send me a statement then they say first I must pay the 2 months owed, I say send me a statement and I will, they say no send a payment today. We discuss that point for a while then I inquire why am I not getting the statements, they list the address they are sending and I is horrifically incorrect ( part of my name as part of the adress0, it had been correct for the first monthly bill and " somehow '' got changed. I don't know if there is any recourse but at least I want to go on record saying how rudely, incompetently, how atrociously

GM finance operates. If there any questions about my statements or description here please contact GM, I am
sure they have a recording of these conversations.

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Mohela is my current loan servicer on my federal student loans. I have been working for the XXXX of Wisconsin for over 25 years all in public service and have made more than the required XXXX payments under the XXXX program. They say I have only made payments that total XXXX and am short of the XXXX but during XXXX payments were put on hold and we were supposed to get credit for those payments. 
If and when those months are counted towards the XXXX I would easily be forgiven. Also I have never received although I have asked during numerous phone calls in the months of XXXX and XXXX on what is the hold up. 
I have also made payments to NAVIENT which was my other service provider prior to consolidation with Mohela and under the rules, I was supposed to receive credit for all these payments as well. Mohela told me they would look into it and get back to me but they just send empty messages that don't directly answer my questions. I have also started repayments again on these loans under the PLSF but I feel I have made more than the XXXX payments and should be receiving money back for overpayment. The customer service is lacking at Mohela, when I called in XXXX I was on hold for over XXXX minutes and then received a person who was getting trained as my support staff. I knew more about the program than she did. Totally unacceptable. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-09
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a XXXX 's credit card ( from XXXX XXXX XXXX XXXX  ), which had a credit balance of {$21.00}, and the company/bank sent me a refund check for the same amount in XX/XX/2018. Unfortunately, I misplaced the check. 

In XX/XX/2018, I received a letter from the bank saying that the check has been cancelled as it has not been encashed, and I should call them to confirm my address so that they could send a replacement check. I did that, and they said that they will have to investigate ( not sure why? ), which would take 1 - 2 billing cycles. 

Two months passed, and instead of receiving a replacement check, I received a similar letter again, saying the exact same thing, in XX/XX/2018. I called them back, and they again asked for 1-2 billing cycles. 

Since then, I have chatted with them online two times, and each time they say that it will take 1 billing cycle to resolve the issue. The amount remains unpaid to me to this date. 

Note : Fed up with their bad customer service, I have closed the credit card with them.

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 2020-11-11
Company: Stenger & Stenger, P.C
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Stenger & Stenger has PROVEN nothing of the legal process of Debt Collecting! NOT ONE OF THE DEBT COLLECTING AGENCIES ... THERE HAVE BE 3 ON THIS DEBT ... HAS EVER!!! SENT ANY PROOF OF SUMMONS TO APPEAR IN COURT TO DISPUTE SAID DEBT CLAIM!!! We have asked Stenger & Stenger to sent validity of this JUDGEMNT!!! TO DATE ... THERE HAVE BEEN NOTHING SENT!! So, until Mr. XXXX get to have his day in the court to dispute this debt.. they are in false debt colleting. And.. this debt is TIME-BARRED according to any laws regarding credit reporting. https : //www.consumer.ftc.gov/articles/0117-time-barred-debts. What should I do if I'm sued for a time-barred debt? 
Defend yourself in court. If you're sued to collect on a time-barred debt, pay attention, and respond. Consider talking to an attorney. You or your attorney should tell the judge that the debt is time-barred and, as proof, provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge decides the debt is time-barred. In any case, don't ignore the lawsuit. If you do, the collector likely will get a court judgment against you, and possibly take money from your paycheck, bank account, or tax refund. 

Assert your FDCPA rights. It's against the law for a collector to sue you or threaten to sue you on a time-barred debt. If you think a collector has broken the law, file a complaint with the FTC and your state Attorney General, and consider talking to an attorney about bringing your own private action against the collector for violating the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: Credit Service of Central Washington, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I pulled all 3 of my credit reports, and my wife 's reports to find out what was showing on them, as I hadn't done it in a long time. I was shocked to see accounts that we do not recognize, including companies I've never done business with. One of these was : XXXX XXXX XXXX. The address LISTED ON the credit report is : XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX. They're reporting 4 separate accounts on our credit reports, and we have NEVER done any business with this company, signed any contract with this company, or even know who they are! Upon calling the company, they could not even FIND our information, or the accounts that they're reporting on our credit reports. I was advised by an attorney to send a " Validation '' Letter to them to validate the debt under the FDCPA and FCRA. Under the law, they had 30 days after receiving the validation letter to respond to my letter and validate the debt that they're reporting to the credit bureaus. It has now been over 70 days ( they had 30 days under the law ) and they have NOT sent ANY kind of validation of this erroneous account, for both my wife and myself. Please note that before sending the validation letter to this company, I also sent a dispute letter to all 3 credit bureaus ( XXXX, XXXX, and XXXX  ), and my wife did too, and XXXX XXXX XXXX has NOT removed THESE accounts from our credit reports, or have sent us any kind of validation. I request for this company to remove these accounts from my credit reports immediately, as well as my wife, as they have not followed the law, have reported inaccurate information on our credit reports, which carries a {$1000.00} fine, as well as FDCPA Section 809 ( b ), which carries a {$1000.00} fine for not validating the debt and still continuing to report it on my credit reports. Thank you for helping me resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Resurgent Capital Services L.P.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING WITH ACCOUNT # ( 1 ) XXXX Opened on the XX/XX/2022 with a balance of {$2000.00}. 

Account # ( 2 ) XXXX with a balance of {$2700.00}. 

The two accounts above was opened fraudulent I never had a contract with LVNV FUNDING for any loan I never heard of this company until I checked my credit report just to see the damages that they have left on my credit report. This company had made my life stressful, financially and emotionally. Non disclosure without consent is IDENTITY THEFT, this is a volition of the LAW therefore I'm asking LVNV FUNDING to delete this fraudulent account from my credit report. 
I am asking LVNV FUNDING to provide me a signed copy of a contract that I owned them for any loan, and mail it certified to my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-17
Company: Ocwen Financial Corporation
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
When PHH Mortgage assumed the mortgage on my home last year I was working with the previous mortgage company to remove the escrow from my home. PHH Mortgage did not assume this work from the previous company, so I had to begin with them anew. I want to do this because 1 ) the value of my home is in excess of XXXX XXXXXXXX with my principal balance being less than XXXX XXXX and 2 ) for the past 2 homeowners insurance renewals the mortgage company failed to pay my annual homeowners insurance premium ( approximately {$4000.00} ) before the policy term date. This resulted in my having to pay the entire premium to avoid termination of coverage and then spend months pursuing PHH Mortgage for refund of these monies I should not have had to pay which should have been disbursed from the escrow account on my loan. My latest contact to PHH mortgage was a blanket email sent this past Tuesday demanding immediate action from them, for which I have received no response. This is in addition to a form completed and emailed to them, at their direction, on 8/6 for the escrow removal. This process was indicated on their form to take no longer than 10 business days, for which one month has now passed since form submission with no acknowledgment of any kind being received from PHH Mortgage. This does not include the numerous contacts made to PHH Mortgage when they assumed this loan to take over the escrow removal work already in place with the previous mortgage servicing company.

Company response to consumer: Closed with explanation