BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-14
Company: Experian Information Solutions Inc.
State: NC
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 attorney and I have been working with each of the Credit Bureau about my report there are inquires on my report with XXXX I have called them on the phone sometime they will transfer me to the Fraud department if I ask and still sometimes they will tell me they have sent an email. When I don't hear anything after 30-90days I call back the automatic computer asked for my information and then tells me to call back. I have stared recording my conversations with these creditors I feel as though that is the best way I can document our conversations as I informed them of this. also asked them to add on my credit report that consumer is disputing some accusations on my credit with lawyer assistance. I let them know that I have informed the companies Fraud Department of these issue and the Credit Bureaus also. And I have noticed when the change happens even though it's not my fault this issue has occur. My credit score goes down more than 8 % and constantly dropping down. I don't know what is going on but this is ridiculous I don't understand how these Credit Bureau are getting away with this. They tell you there fixing your issues and things are getting worse there not updating like there suppose to. In XXXX there have been 17.6 Million United States Resident who has experienced exactly what I'm going through at this moment. In XXXX that has triple. All I'm asking is to be one of the Americans who credit can be updated and corrected so my score can increase not decrease as it should be. This is a ongoing issue and all I ask is to do the right thing. My credit Score still remains the same needs attention. What more can I do I have an Attorney, Police Report Affidavit CFPB not just once but several times.

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 2023-05-03
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: High-pressure sales tactics

Complaint:
In XX/XX/XXXX, I went to go buy my first vehicle, I went to XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, I was told the only way I could get a loan was through Credit Acceptance, I have been paying {$420.00} a month since then, I can't afford it I'm so far into debt because of the high interest I was pressured into it, and the XXXX XXXX XXXX I bought had to have the transmission replaced 3 times and worked on multiple times not even 30 days after the purchase was finalized. I had to use the extended warranty that I paid for to have this fixed. I was young and didn't know what I was doing and I was taken advantage of because I was young, a woman, and the car dealer knew I was pregnant at the time and needed transportation, I XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX he was my co-signer and he had XXXX XXXX not even 30 days after the sale closed I was having transmission problems and took the car back to where I bought it from and he did nothing to help me besides to try and seduce me and take advantage of me even further, knowing I was young and grieving had just lost my job due to my XXXX XXXX After the second time, I told him I was having issues with my transmission, I asked him if this was considered a lemon law and he told me no and he would use my warranty and have his shop guy fix it, but the problems still occurred, so I called a continental transmission and they had to replace the transmission not once but twice themselves before the problems were somewhat fixed, I still have problems with the vehicle today but I'm stuck with it because of the messed up loan I was tricked into with a company that is scamming millions worldwide, I've tried everything to get out of it I tried to even just give the piece of junk back but I need transportation and I can't afford another vehicle because I'm drowning in debt from how high the loan is and how expensive the monthly payment is and it was supposed to be a 4 year loan but somehow I still owe well over XXXX even though I've never missed a single payment. I don't know what else to do I really need some help here because something is not right and this all really needs to be investigated. Please help 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 2022-11-03
Company: Continental Finance Company, LLC
State: NC
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 Creditor failed to address the issue or even correct the problem. They are not following the Federal Emergency Guidelines laid out by the Cares Act. They need to remove my 2 late Payments on file as I was offered an accommodation to help me during the pandemic. The " Accommodation '' was the removal of my late payment fees. 

Section 4021 of the CARES Act amends the Fair Credit Report Act ( FCRA ) to address coronavirus-related accommodations made by furnishers. New FCRA 623 ( a ) ( 1 ) ( F ) requires a furnisher making a COVID-19 related accommodation on a consumers loan account to report the account as current unless the account was delinquent prior to the accommodation. 

On XX/XX/XXXX, the CFPB issued a policy statement highlighting furnishers responsibilities under CARES Act section 4021 and informing consumer reporting agencies ( CRAs ) and furnishers of the CFPBs flexible supervisory and enforcement approach regarding compliance with the FCRA. The CFPBs recent compliance guide seeks to clarify the information in the policy statement by addressing common issues concerning the provisions of Section 4021 :

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 2022-03-09
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Good Afternoon, I am trying to contact Truist Mortgage- formerly Suntrust Mortgage- regarding my forbearance agreement. I already had one complaint filed with you, regarding this mortgage company, which you helped me resolve. 
COMPLAINT ID XXXX Covid Forbearance- I was to pay 3 months on time and then I would receive the new mortgage agreement in the mail after the underwriters were done. I was promised it would be sent out in XXXX, but never received it. I received a letter telling me it was being completed and to continue making payments, but I can not make the payments due to the following. I had auto payments set up for the 3 months. I can not pay online because it goes back to the first payment missed, not the current payment due. I tried to make the payment over the phone, but was put on hold for 1.5 hours yesterday x 2. They do not answer the phone call que, they do not respond to online chat and there is no way to email them on the website. I can not contact this company or pay my current mortgage payment or find out when I am receiving my new mortgage agreement. ( I also don't understand why they add all the missed payments onto the principle when those payments would have paid the principle down. It has increased my mortgage with the escrow, interest and missed payments to over 30K. ) Covid relief added all my missed payments on, which i did not understand would happen. I understand the escrow and interest, but not the missed payments increasing my mortgage. 
They should not be in business if they can not hire people to answer the phones. No one has time to sit on the phone for over an hour. People need a response to issues same day. The call back que does not call back. I need to be able to pay my payment without speaking to anyone over the phone and not be put on hold for hours. 
I want my new mortgage completed and sent 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 2023-10-25
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan servicer debited two monthly payments from me instead of one. When I called to resolve this and refund the extra payment, they told me it would take at least 60 days to refund me. Thats insane, I have bills to pay and now my account is overdrawn and I have nothing to replace the funds with. These loan services cant be doing this to people when it takes that long to get the money back. Also can we please investigate why it takes them 60 DAYS to provide refunds?? Like you have the money just give it back. This is insane in this economy and I'm really 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 2023-01-17
Company: Experian Information Solutions Inc.
State: NC
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:
Hard inquiries on my credit report I don't recognize. 

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 2018-08-14
Company: Financial Service Center of Ohio, LLC
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was damaged or destroyed the vehicle

Complaint:
I had a title loan with XXXX XXXX and for unforeseen reasons I fell behind, I stayed in constant contact with them to try and resolve my debt. On XX/XX/XXXX I was sent a text message from XXXX XXXX  advising that my vehicle had been put out for repossession. I called them immediately and agreed to a voluntary surrender of my vehicle. They told me to bring it in to their XXXX XXXX location to drop it off. I took the vehicle up to that location within 30 to 60 Minutes later and dropped it off leaving the key with the employees inside. On XX/XX/XXXX  XXXX XXXX XXXX ( XXXX ) took possession of my vehicle and transported it to their location in XXXX XXXX Ohio. On that same date XXXX did a condition report of the vehicle and sent it to XXXX XXXX.

On XX/XX/XXXX XXXX XXXX agreed to return My vehicle for the past due amount of {$640.00} dollars and refinance the {$3200.00} I owed. I choose to end my business relationship with them and cure my debt completely and paid the whole {$3200.00} that was owed. I was then instructed to go to XXXX and pay them a storage fee and collect my vehicle.

On XX/XX/XXXX I went to XXXX  to retrieve my vehicle, I paid {$80.00} to them and was sent outside to my vehicle. When I entered the vehicle, the key was left in the on position and the battery was dead, a tow truck driver there gave me a jump. When the vehicle started it was obvious that my exhaust had been tampered with because it was extremely loud. I instantly looked under the truck and noticed that my catalytic converter had ben removed. Cut marks on each of the pipes left behind showed a saw of some sort was used to cut away the converter. I spoke with XXXX and XXXX XXXX  and both took no responsibility for it. I was unable to drive the vehicle that day because nothing was holding the rest of the exhaust in place. When the exhaust was cut the muffler spun to about 45 degrees causing the tail pipe to hit up against the right rear fender of the vehicle. The pictures that was taken by XXXX XXXX  employee after the vehicle was dropped off shows the tail pipe sticking straight out from the rear and is obvious that nothing was wrong or missing at the tie the vehicle was dropped off.

The condition report that the auction sent to the finance company was listing a catalytic converter being present on the vehicle, according to the auction it was missing when they picked it up from the finance company. The pictures provided from both companies show that the converter was on it when left in their possession. The finance company claims they have no liability or responsibility to keep vehicles secured. This vehicle was stored for 4 days in the rear of their location with no fence or security cameras.

I had to pay {$1100.00} to fix the damage caused to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance ; {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$450.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXXXXXX XXXX XXXX Balance : {$670.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX XXXX Balance : {$120.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX Balance : {$1200.00} 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  TX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX - XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX  Balance : {$670.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$120.00XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} 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 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 2023-02-03
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello we applied for the mortgage assistance program 8 months ago. An application was submitted. During this time we were told that our loan was under review for assistance. In the month of XXXX we were told that our account was eligible for partial claim option by cross country rep XXXX ID : XXXX. On XX/XX/XXXX it was confirmed by rep XXXX that the account was now going to be reviewed for partial claim. As the months passed numerous phone calls were made and all reps kept telling us the account was being revied for partial claim. 
On XX/XX/XXXX come to find out our account was never reviewed for the partial claim and based off the application we submitted we were denied all home retention. We were informed that our loan needed to undergo the COVID FB, which at no time this was disclosed to us, prior to requesting the partial claim. Now we are in the mist of losing our home due to cross country. Please help us as my kids and i do not want to lose our home. We have been ready to resume making payments. 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. Any help on getting them to help us would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Information belongs to someone else

Complaint:
My identity was stolen and this loan was obtained fraudulently. I have submitted dispute letters and a FTC report.

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 2023-01-24
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: Problem with personal statement of dispute

Complaint:
XXXX created a charge card without my knowledge. I am a victim of Identity Theft and they approved a card without complete verification. I have sent them a copy of the charge card in dispute on a Experian Credit Report, Local Police report on the Identity Theft, XXXX file report, and a memo stating that I was not the person that opened the charge card. I have already cleared 4 out of 7 fraudulent accounts on my credit reports, Which one was another XXXX Charge card. XXXX acknowledged that the other one was fraud, but the XXXX card was not considered fraud due to Publicly available information. When asked for the investigator and the public information I was denied further information. My investigation took well over 90 days to be completed. When the investigator completed it, they did not notify me what so ever. 

At the time XXXX Charge Card was opened I was XXXX overseas in The XXXXXXXX XXXX XXXX XXXX XXXX the United States XXXX XXXX XXXX This shows how little these credit companies care about our information. They will open any card without further identifying or confirming with us. I am now struggling to purchase my house due to my horrible XXXX XXXX. I have served 10 years in the XXXX and I am now alone sorting out my life. No one helps me and these credit companies just don't care.

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 2021-01-24
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
AN ACCOUNT WAS OPENED ON XXXX OF 2017 WITHOUT MY AUTHORIZATION. THE AMOUNT SHOWN IS {$1000.00} DOLLARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Experian Information Solutions Inc.
State: NC
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 is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$550.00} ; XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

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