BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Congress passed the CARES ACT in response to COVID-19 Pandemic to help consumers with issues that may arise from becoming ill or financially burdened effecting there ability to make there financial obligations on time and effecting there households adversely. I became sick due to COVID-19 during the month of XXXX and was ill for weeks, during my illness I thought I paid my mortgage payment. I went through all the steps but the payment did not go through I was in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX because of pandemic, I payed my XXXX mortgage payment and assumed I was up to date with payments, I was contacted and made aware that a past 30 day derogatory mark was made on my credit report affecting me adversely, I contacted my mortgage company SELECT PORTFOLIO SERVICING and they informed that I didnt make the payment for XXXX and I still owed XXXX, I checked my bank statements and realized it wasnt paid, I quickly brung account to good standing. I explained to SELECT PORTFOLIO SERVICING what happened and asked if they could make a one time  exception and remove 30 day derogatory mark from my credit report and they are currently refusing and taking GREAT pride in ruining my exceptional credit history, which is partly why the CARES ACT was drafted. I have not been over 30 days late on any of my payments for any company that I make payments to especially SELECT PORTFOLIO SERVICING, As I stated earlier they are refusing to remove the derogatory mark from credit report even though Ive never been pass 30 days late, We are in a exceptional time in history with people falling ill and some passing way due to COVID-19 and for SELECT PORTFOLIO SERVICING not taking these times into consideration is Egregious to say the least. During these times of uncertainty the CARES ACT was drafted to make accommodations for borrowers.These accommodations will help Americans and the economy because we rely on credit. The Act requires lenders to report to credit bureaus that consumers are current on their loans if consumers have sought relief from their lenders due to the pandemic. The Bureaus statement informs lenders they must comply with the CARES Act. The Bureaus statement also encourages lenders to continue to voluntarily provide payment relief to consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Exeter Finance Corp.
State: SC
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:
I payed it down to XXXX XXXX I voluntarily gave it back because 6 months of ownership it blew and engine and the warranty wouldnt cover! Say I was late and my last payment was in XXXX XXXX XXXX whichs is a lie, we had a plan wit them and they say i didnt pay lied Then how do I get a XXXX dollars balance on my loan when I gave it back to them around XXXX then sold it and made XXXX and before they did that i owe XXXX I ask over and over again to fix it and they dont and they got XXXX XXXX  rims and tires I think this finance company is a rip off and should be due for false info towards and making me look like I jsut didnt pay stay away from this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: Personal information incorrect

Complaint:
on a recent credit report, I found errors in my address, name, and employer on my EQUIFAX credit report, and to my surprise, they should all be correct because it can possibly lead to a wrong identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: T.S. Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Asked this company for a debt validation letter and they completely denied me a letter I recorded the call, I also asked the amount that they have the first guy XXXX told me {$4600.00} Then XXXX told me {$4600.00} But they are reporting on my credit report the amount of {$4600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am needing to move out of my apartment due to the bad maintence. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to an amount of things on my credit that are not mine. I need those items removed 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 explanation
Consumer complaint received 2023-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-05-20
Company: Blackhawk Network Holdings Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
MyPrepaidCenter.com card states that funds do not expire, but the valid thru date has expired. The companys phone number and website do not give option for replacing the card or closing the account and receiving balance through the mail. There is no option to speak to someone directly. I have tried to use the card for online purchases previously and it was denied. This company ( I have a current balance of {$180.00}. This card originally was a {$200.00} card, so I have somehow been losing money without being able to access the balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-08
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In its response of XX/XX/2019 to my Complaint to CFPB Discover made the following statement ( see the attached file ) : " in some case it is necessary for our Customer Protection Services Department to speak with a customer directly in order to verify activity. '' The requirements that representatives of the Discover Card need to be able to SPEAK directly to a customer is not listed in any of the Discover cards terms of service not explicitly mentioned in any of its other published materials. 

Discover also never stated explicitly that it has requirements for customers to have the ability to maintain direct communication with Discover card representatives in order to received services on the account. Discover never specified for how long a customer is required to have an ability to maintain a direct communication with Discover representatives nor it specified what duration pauses the customer can make during a direct communication session with Discover representatives before Discover will interrupt such communication sessions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Marlette Funding, LLC
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section604 a section 2 " any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies do not have my consent to furnish my information and they do not have my written consent.15 USC 6802 ( b ) ( c ) I do not consent and revoke any and all verbal, non-verbal, written, implied, all assumptions to disclose nonpublic personal information to a nonaffiliated third-party " 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at anytime. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
ON XX/XX/XXXX a tenant made a deposit into my Wells Fargo bank account by 2 money orders. one was for {$1000.00} the other was for {$320.00}. It was made in person at XXXX XXXX XXXX XXXX XXXX FL at XXXX PM. When I saw the deposit Wells Fargo had only credited my account the amount of {$520.00}. That also is the amount shown on the deposit slip given to the tenant too ( {$520.00} even though it was clear from the copies of the money orders that they totaled {$1300.00} ). I asked the tenant to go back to the branch and get it corrected. The tenant got back to me and told me that Wells Fargo told her it was up to me to contact Wells Fargo and make a claim and gave her a phone number for me to call. THIS IS UNACCEPTABLE! I called that number and I was informed that it could take 1-7 business days for the funds to be returned into my account. THIS SOUNDS LIKE A NEW WELLS FARGO SCHEME TO FLOAT ON CLIENTS MONEY>>>PLEASE INVESTIGATE. Waiting up to 7 days was TOTALLY UNACCEPTABLE. I called the branch where it was deposited and asked them to look at the error and was told they could not see it or fix THEIR MISTAKE that I had to call another number. All in all I had to call Wells Fargo 5 times and speak with at least 5 different people AND spend over an hour of my time to get the matter resolved. I requested compensation of {$50.00} which I was denied since this is the amount the tenant now owed since it was late because of WELLS FARGO NEGLIGENCE. They made a " Provisional '' Deposit of {$800.00} on XX/XX/XXXX. There is NO REASON under the sun why I should have had to waste over 1 hour of my time to correct Wells Fargo mistake and dealing with their telephone XXXX to finally get to a person who was able to correct a very OBVIOUS mistake or INTENTIONAL NEW SCHEME BY WELLS FARGO to XXXX people out of their money, float on their money, etc. if the customer doesn't pay attention to their deposits. PLEASE INVESTIGATE. My time is not free! I was being very reasonable in requesting {$50.00} credit as that is what the tenant 's rental contract states since I didn't receive full funds until the XXXX of XXXX plus a lot of hassle.

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 monetary relief
Consumer complaint received 2020-07-09
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX   XXXX {$99.00} XXXX  XXXX {$240.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2022-12-02
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original 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 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 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 explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: OK
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 XXXX XXXX XXXX is reporting fraudulent and inaccurate information... violating my consumer rights!

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 2021-08-24
Company: AmerAssist A/R Solutions, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a letter to Amer Assist on XX/XX/2021 about a debt they owe. It has been more than 60 days with no response to this debt they owe. I cant wait forever for there response or payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 I contacted all three credit bureaus ( Experian, XXXX and XXXX ) regarding unauthorized inquiries on my credit report and wrong addresses reporting also. They have not responded or removed the inaccurate information.

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 2021-06-04
Company: Yamaha Motor Finance Corporation USA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX XXXX XXXX sent in an electronic payment of {$2000.00} to Yamaha motor finance and they as of today still have not applied it to the account and everyday they charge interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Affirm Holdings, Inc
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
4 months ago I order few items from this company call affirm the payment method was monthly instalment I provided my debit card so the can take the payment out Till one month later I received notice from XXXX was and updated on my credit report I log on and I see a XXXX points drop which I was shocked I call the company affirm and I ask what happened they said they could take the payment out of my card and I said why u don't call me or email me they don't answer me so I pay of the balance and they supposed to correct my report but the never did

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have made multiple attempts to have my address corrected by sending several dispute letters to Experian on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but Experian refused to correct the error that's reporting inaccurately on my credit report. The address is associated with several accounts that don't belong to me. However, after multiple attempts to have this problem corrected my request went ignored. 

As a military veteran with XXXX years of service, my information has been stolen on several occasions. I have tried to correct this problem with Experian but regardless of my efforts, my complaint was still ignored. Attached to this complaint is a copy of my state I.D . that proves that I live in the state of Georgia. 

I never lived at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, and I personally never applied for any accounts in my name using this address. As a former military veteran, I spent XXXX XXXX of my life living overseas. The address on my file is an error, and also doesn't belong to me. This is an FDCPA consumer violation and should not be tolerated. This type of behavior should never be accepted or tolerated by any professional agency.

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 2023-05-19
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
There are multiple accounts and inquiries on my report that I do not recognize!!!

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 2020-07-09
Company: Experian Information Solutions Inc.
State: VA
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: Was not notified of investigation status or results

Complaint:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 10 XXXX XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX XXXX, 11 XXXX, XXXX XXXX, AUTOMOTIVE SERVICES, 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 Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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