BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: Village Capital & Investment LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My wife and I filed for forbearance last year. We brought our loan current in/around XX/XX/XXXX. Our loan was modified and is supposed to reflect as current on our credit reports. There was a problem with Village Capital not reporting our loan as current, but rather, it showed 90 days past due. Ive spoken to the company several times and the issue was resolved a few months ago. Now, it seems like every month, the loan is still getting reported as late. My Equifax report shows 90 days late. The other two credit agencies show current. This is greatly affecting my ability to make a purchase. I reached out to Village Capital on XX/XX/XXXX and I have not received a response. I want my credit to reflect accurately and I want to know what ramifications Village Capital will face for constantly reporting my credit inaccurately? My wife is a co-borrower on the loan and her credit report is inaccurate as well. 

Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Westlake Services, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
US Auto disabled my car after I made a payment agreement with them. I had to download a program to start it again. Additionally, they have gone bankrupt and transferred my loan to another company without notice. I need to know what rights I have. The other company advised I no longer have warranty or XXXX  coverage which was in my original purchase contract. 

I want to be added to the lawsuit against them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I instructed Chase to issue and mail a {$300.00} check to a vendor on XX/XX/2022. Chase allow a wrong company, with an entirely different name than the check was issued to, to deposit the check. Chase then debited {$300.00} from my checking account. I have spent hours on multiple calls in the last XXXX months asking Chase to correct its mistake and return my {$300.00}, but to no avail. Chase 's claim rep 's excuse was that the other bank, XXXX XXXX, has not returned the money. It was Chase 's mistake to even let the money go to a party the check was not issued to. Chase should return my money. I should not have to wait for XXXX XXXX  for the money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Our servicer XXXX XXXX moved us to, Specialized Loan Service, who was supposed to send us a new Loan number on XX/XX/2023 by mail. So far they have sent nothing and when I try to call they don't recognize me or my old XXXX loan # and it all is AI driven responses that don't give any resolution. XXXX XXXX is no help either. 

How can a bank transfer an amount this large w/o out any kind assurances that their previous customers won't lose everything? 

YOUR SITE says it can provide a counselor, WHICH IS NOT TRUE. You provide courses and workshops NOT a counselor. You should fix that, it is misleading and a time waster. It is possible people are being sent to the site with that expectation.

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 2019-03-26
Company: Colony Brands, Inc.
State: NJ
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 is reporting XXXX XXXX with a date of first delinquency of XX/XX/XXXX the date I filed for Chapter XXXX bankruptcy. The account was opened XX/XX/XXXX and was never paid. Date of first delinquency must be no later than XX/XX/XXXX but more likely XX/XX/XXXX. Either way date of first delinquency is greater than 7 years and this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Your allegations have disappointed me, and I am dismissing them because you have not provided any substantial evidence to back them up. Dispute these accounts, please! Alternatively, I'll be suing you for a remedy. Anger, displeasure, discomfort, and open frustration. These feelings are the result of your bureau 's excruciatingly sluggish reaction to my identity theft allegation as well as its persistent denial. It's important to emphasize that this is a terrifying scenario. The amount of damage to my financial security and mental health that has resulted from dealing with unauthorized accounts and activities is immense. The emotional whirlwind I've experienced is quite upsetting. I beg you to look into these issues thoroughly as soon as possible, take the bogus accounts off my credit report, and assist me in getting my financial situation back on track. As a victim of identity theft, I'm not requesting preferential treatment ; rather, I'm requesting what is legally mine. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXXXXXX XXXX XXXX. I anticipate receiving a formal acknowledgement of my dispute letter along with a definite promise to look into my identity theft allegation as soon as possible.

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 2023-02-20
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Mariner Finance purposely blocked my ability to make payments online with guaranteed funds which caused default and sending my account to collections. This account should not be in collections office because Mariner forced this situation due to unfair practices and it appears that the company is purposely attempting to injure my credit. Over the course of the last 45 days, I tried several times to pay online with my debit card. The online system blocked that ability even though I had tried to pay the total amount due. I was out of town working remote from XX/XX/XXXX XX/XX/XXXX. During the time that I was working remote, I was unable to call in to make a payment over the phone as requested during business hours because I was unavailable via phone because of work obligations. I wouldve made payments with a debit card online using my account log in if I was allowed by the online system. I have made payments online in the past and should still be allowed to with guaranteed funds. 

I was not available during Mariners business hours therefore I could not talk to them to process a payment over the phone. However, I would have made several payments online had I been allowed to do so with my DEBIT card. I was attempting to make the online payment so that Mariner would be able to credit my account immediately. 

My work hours and unavailability did not make it convenient for me to have a phone conversation. I tried a few times to call the office during my lunch breaks but the calls went to voicemail. Since I wasnt in town, I was not able to drop off a money order payment to the office location near me. I tried to call on my lunch break when available, but, I was not able to get connected because Mariners phone system went to voicemail. I have attached toll transactions proving that I was out of state on the dates indicated above. 

It is my concern that Mariner is unfairly attempting to garnish my wages when they blocked me from paying with guaranteed funds via the online system. I am very concerned about the practices of Mariner finance. They have sent me a judgement letter to sign and I do not believe this is fair to me as the consumer given the practices of Mariner finance detailed above. 

In summary, It appears that Mariner Finance purposely blocked my ability to pay with guaranteed funds via their website to force a potential wage garnishment and judgement. I have concerns that my rights as a consumer have been compromised and/ or violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$940.00} ; XXXX XXXX XXXX Balance : {$880.00} ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX Balance : {$730.00} ; XXXX XXXX XXXX : {$780.00} ; XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Thank you for reading this inquiry. I purchased the XXXX  XXXX XXXX in XXXX of 2020 and the XXXX vehicle was listed as roughly {$37000.00}. At that time, the salesperson at the dealership added {$10000.00} of warranties onto my note. I fought for months to get the warranties removed and finally, the cost of the vehicle s down to the original price of {$35000.00}. I traded in a XXXX XXXX XXXX and it was valued at {$8000.00} and I did not receive the full value of the trade. I received almost {$2000.00} less than the trade value. Lastly, upon check-in on the value of the XXXX XXXX, the vehicle is only worth {$18000.00}. Not the {$35000.00} owned on the vehicle. I was charged double of what the vehicle is worth and can not refinance to lower my monthly out of pocket because the vehicle is not worth {$35000.00}. I am feeling like I made a huge mistake by purchasing this vehicle from XXXX, and as a consumer, I did not think I would be this taken advantage of. I am asking for someone to look into this purchase and please find leniency, to reduce the cost of the car. I like my XXXX, but I can not afford to pay double of what the car is worth. 

Thank you XXXX XXXX XXXX Mileage : XXXX Miles VIN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, INC.
State: TX
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, XXXX and XXXX have been allowing someone to run my name and social and I have been getting hit with hard inquiries that are fraudulent and causing my credit score to fall Equifax Fraud dispute number XXXX I also called XXXX and XXXX XX/XX/2022 and filed fraud claims as well Equifax is reporting 20 hard inquires on my credit file and I had 0 inquiries last month when I called to check upon speaking with the Equifax agent she made me aware that there were 20 inquiries besides the one that I call about and when I checked it was indeed old fraudulent inquires that were disputer from my account years ago that they placed back on my file!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: Experian Information Solutions Inc.
State: AZ
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:
Ok ... I signed up for Experian credit monitoring. I noticed there are 2 addresses that do not belong to me and I don't know the people who live there. I filed a dispute. They denied it. At the same time I noticed 3 negative accounts on my credit report. All 3 accounts are the same account! I filed a dispute. Of course denied. Today XX/XX/XXXX I called Experian and spoke with XXXX with XXXX XXXX. He refused to even assist me with these errors. He told me I needed to find out why they were on my report. THAT IS WHY I CALLED THEM WAS TO FIND OUT WHY THEY HAVE INCORRECT INFO ON MY ACCOUNT! Then He tells me to call XXXX  and XXXX to find out why the info is on my reports .... WHY WOULD I CALL THOSE CREDIT BUREAUS AND THEY DON'T HAVE THE MISTAKES ON MY REPORT????? Nothing he said made sense. I want these errors corrected!!!

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 did not file this complaint in error nor am I being represented by a XXXX party but I have been studying the FCRA every since I have been fighting to get an inaccurate, false Bankruptcy removed from my report. Now I keep finding errors on my report that are not being corrected. I sent a letter certified mail back on XX/XX/XXXX and received tracking via XXXX when I contact the credit reporting to follow up on my complaint I was told the letter was not received however I have proof of delivery and I'm trying to understand my the company is ignoring my request and continue to violate US Code 1681b ( 2 ) no permissible purpose to furnish report without my written consent as well as violate my right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Violation of Aggravated identity theft of Public Records when the furnisher does not report and also XXXX  XXXX XXXX for inaccurate unverifiable but somehow you still verify something that is not on my report... .make it make sense I have sent you proof several times that this has been deleted and you still violate me XXXX  XXXX Bankruptcy case # XXXX XXXX  XXXX Bankruptcy case # 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 2023-11-10
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, 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/XXXXXXXX XXXX XXXX Date 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/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19
Company: Chime Financial Inc
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Oh, on XX/XX/2023 I was reviewing my bank statement for my Chime checking account and noticed that there was a duplicate transfer to cash app made at XXXX XXXX on XXXX. I filed a dispute with Chime for the {$200.00} duplicate transaction. Chime denied the claim by the next morning then refused to tell me why for 10 days when they finally didnt tell me why none of the reasons for my dispute were correct they didnt investigate anything they are not handling disputes correctly they say I could file or a bottle, so I filed a rebuttal. They denied that without even giving me time to submit any additional

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I obtained a mortgage through XXXX XXXX XXXX  which is serviced by XXXX Mortgage, in XX/XX/2021. I made the first payment on XX/XX/2021 using my bill pay at my credit union XXXX XXXX XXXX XXXX XXXX ) for {$1200.00}. This payment was accepted by XXXX. Unbeknownst to me, the mortgage had been sold to Mr. Cooper. This first payment was forwarded by XXXX to Mr. Cooper- however, the payment was forwarded to the wrong department for Mr. Cooper who allegedly sent the payment back to XXXX. XXXX now claims that they never received the return payment. The result of this is that my mortgage is showing that I am XXXX month behind and have incurred multiple late fees. 

I have successfully made every payment, on time, to Mr. Cooper since this first payment. I have had numerous conference calls with both parties ( Mr. Cooper, XXXX, and XXXX XXXX XXXX XXXX ). Neither XXXX nor Mr. Cooper can find where the payment went but I, and my bank, have records clearly showing the payment leaving my account and never returning. XXXX XXXX XXXX XXXX can not cancel the payment given it has been cashed, presumably by XXXX and/or Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: CO
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation