BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-12
Company: MOHELA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have received communication from Mohela to repay my discharged XXXX students loans effective XX/XX/2023. I don't understand why they are sending me this information if they already have the letter from the US Department of Education confirming the loans for XXXX university were all discharged. I do not want to want until I begin to have additional problems with my loans. I would like them to process the discharge immediately. 

I also would like a more comprehensive listing of all payments I have paid to All servicers that have managed my XXXX University student loans. Per the discharged agreement, these payments should have been fully refundable to me. I have only receive a partial payment. 

Lastly, I would like all payments paid on my son 's student loan ( XXXX ) to be evaluated and counted towards my PSLF counts. My PSLF counts need to be updated through XXXX, 2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This letter is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

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 2023-02-08
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: American Finance LLC
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX XXXX repo a car from me a XXXX XXXX. i have been paying on this car for over a year with high interest rates and double payments a month. Like i said this company mislead people they give you a 60 months quote to get the high interest rates then reword it as number of payments so you pay back faster and already know your salary during the loan applications so they double payments so it make you hard to pay for them cause they know the amount of money you need a month to pay your bills with so the double up your payments lie to you and say they have there own insurance and but its really debit cancellation so no matter what they get there money from the car your payments and then reposes the car because they know when they started the loan. thats what loan sharks due and that's what American Finance do thats why they approve only bad credit people but i stop paying on the car because XX/XX/XXXX the tags and registration went out on the car in the loan you can see that they charged me for a 2 year tags and only gave me a XXXX year tag and the car wont pass expectation i called them they tell me they have nothing to do with the tags but do you want to make a payment that's on the dealer so. I called the deal they told me they have nothing to do with the car car no more because it belongs to American Finance now so now i called motor vehicles they told me that's on you and the finance company i called back they keep lying saying that they have nothing to do with the tags and i a email i have i will proved state they never charged me for tags and registration and i have the loan that's say the did and i will proved that to so until i got my tags i withhold payments so they repo the car its funny how they want me to hold up to my contract if you read in the last complaint filed they said you signed the contract and we just collection on what you signed but they not acting on there part of there contract that states they charged me for a 2 year tag with interest. they still want there payment but i got get the car register and tagged and paying for something that should have had this done already no more money out my pocket out my pocket and they still want a payment and never give me my tags but since i didn't pay I didn't obey by my contract they reposed the car. This is the biggest rip off company there is in fact i will you proved you with a email catching them in a lie and everything but still they have the right to reposed a car when they didn't proved what they say they was going to due this prove right here this loan was done on purpose to bring financial harm to me that's what loan sharks do

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-07
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Overview : On the morning of XX/XX/XXXX, during a routine glance at my XXXX  XXXX XXXX app on my phone, I discovered to my amazement, that XXXX XXXX dollars ( {$3000.00} ) had been transferred from my saving account to some unknown individual via Zelle. I have never used Zelle services, and my bank records reflect that. It is clear that fraudulent activity was recorded on my saving account. 
I called the bank that morning, and I also sent an email to the bank using the suspicious activity link on the bank web page. I was expecting some acknowledgment from the bank of my report, follow-up notification, and status resolution, but none was coming. 
Over the next XXXX days, I made over XXXX hours of phone calls to XXXX  XXXX XXXX, including in-person appointments with the local bank branch. Unfortunately, as of now, I have no case number, no claim report verification, and communication on the facts with the bank. 
I have been with the XXXX  XXXX XXXX for 47 years, and they thank me for it every time they answer the phone. All my conversations with the bank associates ended with me waiting for hours for the so-called claim department listing to music and waiting for the next available representative. Finally, during my appointment at the bank, the bank associate agreed to call the claim department on her phone using her direct line. After an hour of listening to the same musical monolog, I left the office. 
Examining my account activities also reveals XXXX different attempts to add a transfer recipient to my account, XXXX before the successful XXXX and XXXX after. 

Bank Information XXXX account XXXX routing XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: NATIONSTAR MORTGAGE LLC
State: RI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been working diligently with Nationstar Mortgage on a loan modification. I was given a loan modification but never received any documentation. I made payment in accordance with the terms in the loan modification as required and had assumed that the new loan would be implemented as stated in the agreement. Since the loan mod has been completed I expected the my credit would reflect the change. Instead Nationstar has started over again with threats to my account, has not credited my account t with the loan payments which were made with certified checks and my credit has been damaged by their errors. I believe the firm is trying to commit both credit and mortgage fraud an d I have received not one call or notice regarding the status of my loan mod or what happened to my account to put it in arrears. This is either incompetence or fraud. I need someone to act as an honest broker to address this matter because I can no longer trust the firm. 

I would like to have my loan modification reinstated, my payment credited to my account, and my credit score to reflect that I have made all my payments on time. 

The account number is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing in regard to the above-referenced accounts and transactions. This vehicle was repossessed by in the State of GA on or about, XXXX, and resold on or about XXXX. Under the laws of the State of GA UCC and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given and all of the allowable redemption and cure time limits were adhered to. There was no full investigation of reasonable procedures for my dispute requests NOR was my DEMAND for validation through documentary material met. I was only given an updated report, that showed no updates.. If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void and any continued collection activities, or continued reporting of this invalid claim on my credit reports, will be considered a violation of the FDCPA and FCRA.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with The Fair Credit Reporting act XXXX account # XXXX has violated my rights 15 USC 1681 section 602 A states I have the right to privacy 1681 section 604 a Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ILLEGAL AND IMPROPER REPORTING ACTIVITY- REPORTED LATE XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX AND IMPROPER REPORTING ACTIVITY- REPORTING LATE, XXXX, AND CHARGE OFF- ACCOUNT WAS PAID IN FULL SUCCESSFULLY

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 2016-07-10
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
[ Case number : XXXX ] In addition, I am still upside down on the mortgage, which would make it very difficult to refinance. They should have done a ( Partial Claim ) on my modification, instead of just putting what I was behind on in the back of the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: ALLY FINANCIAL INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Here 're an essential timeline of events ( with paper trail evidence if needed ) of what happened with myself and Ally XXXX XXXX/XXXX  XXXX  up to an initial closing date of XX/XX/XXXX. 

XXXX, XX/XX/2021 : My loan officer ( XXXX XXXX ), does not show up for a scheduled appointment to review my final loan estimate prior to delivering the initial closing disclosures. I attempt to call her direct line at XXXX, no answer. 

XXXX, XX/XX/2021 : I call her again. Still no answer. This time I allow the operator to route me to the customer experience team, who then tells me they've reached XXXX and she would get back to me today. 

XXXX, XX/XX/2021 : XXXX calls me. At this time, I receive and acknowledge all line items in my latest loan estimate with XXXX at Ally XXXX XXXX/XXXX, including a {$390.00} origination fee. This loan estimate is shared with me via PDF over email at this time. I am also informed that I would receive XXXX, XX/XX/2021 : I received my initial closing disclosures, with an origination fee that increased 5x from the loan estimate agreed upon just 4 hours prior - {$390.00} to {$1700.00}. This is well past business day. 

XXXX, XX/XX/2021 : I emailed XXXX to clarify the origination fee increase. 

XXXX, XX/XX/2021 : I began a 7+ hour journey to attempt to reach XXXX. I was only ever able to speak to customer experience/support, or my closing expert, XXXX XXXX, who has no power to actually resolve the matter. 

Around XXXX, XX/XX/2021 : I was informed by a member of the customer experience team at Ally that we will not be able to close on XX/XX/XXXX, because the ICD was not signed on XX/XX/XXXX. The same ICD I received at XXXX. 

Presently, XXXX, XX/XX/2021 : I am forced to sign the ICD to not delay closing any further than the extra day it's already been delayed to. 

It is clear to me ( and hopefully the CFPB as well ) from this chain of events that I have been forced by Ally into accepting an ICD that I do not approve of by misappropriating the 3-day TRID rule and pushing closing out. While pushing the closing date is a possible solution, the cost it incurs to Ally to push the closing date is insignificant compared to the cost to the consumer. 

Based on my interactions with Ally, it is apparent to me that the loan team has explicitly designed this experience to fail for the consumer.

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 2023-01-29
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:
This XXXX XXXX  acct XXXX is over charged {$8000.00} and charged off account. I did not authorize any transactions since XX/XX/2022. 

I tried contacting the bank to get these charges disputed but did not get any assistance since the card is charged off I need this charges to be investigated for fraudulent purchases and disputed. I do not own this debt I did not authorize any charges on this account after XX/XX/2022. I need this account removed from my credit file immediately. And the late payments along with the charges. They have not validated the alleged debts were charged by me I have sent XXXX XXXX XXXX XXXX XXXX XXXX  that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my XXXX given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a XXXX to file so i could file with the XXXX. A charge off is consider gross income according to the XXXX  and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information Solutions Inc.
State: VA
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:
The Credit bureaus stated my accout for XXXX XXXX Account # XXXX was properly investigated but how it that possile if there are multiple inaccuracies on my report? I have listed them : 1. Last verified- inaccurate 2. Date of last activity-inaccurate 3. Date reported- inaccurate 4. Date Opened- inaccurate 5. Closed date- inaccurate 6. Creditor remarks- inaccurate 7. Last Payment- inaccurate 8. Payment frequency- inaccurate 9 Two year payment history shows 4 30 p+lus days past due. if it's in collections how is it past due?

This is grounds for removal!

My rights have also been violated under 15 U.S.C. 1681 Sectipn 602 A which sttes thatI have the right to privacy.

15 U.S.C. 1681Section 604 A Section 2. It also states a consumer reporting agency can not furnish an acount without written instruction. I never gave written instruction!

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 2022-11-07
Company: Experian Information Solutions Inc.
State: NY
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:
I paid for my credit report and upon checking. I realized there's hard inquires that i don't recognize. 
Experian : XXXXXXXX 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 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 2022-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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