BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-22
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This was honestly about 10 maybe 11 years ago. I had a car that was repossessed by Prestige Loan company they are located in Utah. I had the car for about a year or so and then as a XXXX  my job became really slow. Some days I would bring home XXXX $ and I was taking care of my children by myself with no real help from their father. It became so bad that of course I could no longer pay for the car so tgey repossessed the car. They came to my job to let me know they were repossessing it. Maybe a month later they continued to harass me for the remainder balance left on the vehicle. Which I didnt have I was barely making rent in fact I was soon evicted from the apartment that I was in when they took the car which was around XXXX. They took me to court where they asked for mediation where there was a judge who told them I didnt have the money. Then we went to court again and they were told I didnt have the money. So now 10 years later Im getting letters in the mail from lawyers saying they want to represent me because Im being sued by Prestige. They would be suing for no money after 10 years?

So now this is where I really want to express myself as a consumer. I am still taking care of my same XXXX kids XXXX  and now I have an ill elderly parent. Inflation has got me. I am barely paying my rent and my electric bill has been ridiculous and everyone works most of the time. I cant even afford to take care of my own failing health with XXXX XXXX. I have XXXX XXXX that I has been expensive but I cant do everything that needs to be done because its unreal how expensive that is. When my children have any health problem we go to the XXXX XXXX  but we never really find out whats wrong. So this Prestige loan company after 10 years meaning this has been off my credit for a while. Also this is harassment for a debt that is 10 years old. The fact that they are even able to come back to someone after 7 years has passed is so ridiculous. I keep questioning is that even a law anymore and everyone keeps saying it is a law. These people from Prestige are predatory in their collection practices and I cant afford to to do any thing about this. Is there any unfair collection practices happening with this? I need your help. I talked to the FTC and they told me to contact you and make a complaint and still file one with them afterwards. I can not afford to pay them anything. I dont have any paperwork from that but Im sure the case is still showing from when we were in court 10 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Upgrade, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment through my credit unions bill pay service ( XX/XX/2023 ), and the creditor has not applied it and says ( via email this morning XX/XX/2023 ), payment is due XX/XX/2023 but it was paid on XX/XX/2023. ( See Attachments as proof of payment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
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: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX XXXX  cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-07-01
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 2023-07-01
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

You have violated my rights : 15 USC 6801 ( a ) : States I have protection of nonpublic personal information.

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 USC 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. 

Due to your character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802.

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Foursight Holding LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
This loan was charged off and closed by the company and is still affecting my ability to get any auto loans or use my credit because it is being reported even though it is a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 reaching out to bring attention to the presence of fraudulent personal information associated with my identity. I have discovered that certain accounts and transactions have been falsely attributed to me without my knowledge or consent, which has caused significant distress and concern. As a victim of identity theft, I have taken immediate action to report this incident. It is imperative to address this situation promptly, as it has had adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into these unauthorized activities. I am prepared to provide evidence and, if necessary, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this matter is greatly appreciated.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I pulled my report on XX/XX/XXXX from XX/XX/XXXX. I noticed that my loan with XX/XX/XXXX XXXX was showing seven missed payments from XXXX XXXX XX/XX/XXXX. I did not miss any payments during these times. XX/XX/XXXXXXXX Needs to check all their statements and figure out why they are reporting me late when the payments came out my account before the due date

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 2023-08-22
Company: Rocket Mortgage, LLC
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Mortgage companies were able to access my info when a hard inquiry was pulled from my credit. Rocket mortgage was the absolute worst in customer service, they not only called me repeatedly, but they asked my lender for a payoff amount that I never gave them permission to pursue. I told them specifically I did not want to refinance my great rate, and I only wanted to apply for a HELOC. They specifically went against what I asked and contacted my Lender anyways. There should be laws against this. It's completely unprofessional the way they communicate and how they speak on the phone to customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: GA
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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 need to stress that I never gave permission for these accounts to be opened, and I believe they're the result of fraudulent activities. I urge you to meticulously examine these accounts and ensure they are promptly removed from my credit 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 non-monetary relief
Consumer complaint received 2023-08-22
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have been in an active short sale since XX/XX/XXXX. When Selene Finance LP became my new Servicer of my mortgage we requested who my single point of contact was. We call over 50 times between myself and my Realtor without any success. Finally, on XX/XX/XXXX of XXXX, we were assigned a Single point of contact. 

We have an all-cash offer on the property. Now that we are finally working with the underwriter to move this to a closing Selene Finance sets a date for a foreclosure. In the state of TN, the servicer MUST notify the homeowner that the sale date has been set via regular mail and certified with a signed receipt. I never received anything. Even when I called Selene Finance and told them they broke TN law by not sending me the letter of the sale date. Please show me proof that XXXX or XXXX sent this letter to my house. Even show me the sticker they would place on my door saying they will try again. No proof this sale date letter from XXXX XXXX XXXX was ever sent out. This law firm is notorious in the state of TN for these illegal tactics. 

Now I am requesting a QWR RESPA TILA because of the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Experian Information Solutions Inc.
State: LA
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 am writing to file a formal complaint against Experian, a credit reporting agency, for its failure to accurately report my credit information. Specifically, I believe that Experian has included inaccurate information on my credit report, which has resulted in negative consequences for me. 

Despite my efforts to rectify the issue by disputing the inaccurate information, Experian has failed to investigate and correct the errors. This has caused undue hardship and financial damage to me, as the inaccurate information has negatively impacted my credit score, and subsequently, my ability to secure loans, credit cards, and other forms of credit. 

I find it deeply concerning that Experian, as a major credit reporting agency, has not taken the necessary steps to ensure that the information it reports is accurate and up-to-date. I believe this represents a serious breach of its duty to protect consumer information and is a clear violation of the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau launch an investigation into Experian 's handling of my credit information, and take appropriate actions to ensure that Experian corrects any inaccurate information on my credit report, and takes necessary measures to ensure this does not happen to other consumers in the future. 

I would appreciate a response to this complaint at your earliest convenience. Thank you for your attention to this matter. 

Sincerely, 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 2023-03-09
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX My loan was paid up to date after being behind for years. I'd asked when it would report to credit agencies and was told by the end of the month. By XXXX still nothing so I called back and was told they are reviewing now and will determine in 5 days when they can report. XXXX. Still nothing. So I called back and was told since I filed for bankruptcy in 2016 I needed an reaffirmation agreement completed in order for them to report to credit agencies. It didn't make much sense since I read mortgage companies are still responsible for reporting payments without this agreement.so I called back and was connected to another department that stated they are working on reporting my information now and should be on credit report soon. Still nothing. Then I get a letter today that states they have received my inquiry after careful review we have determined that the information is accurate as we are required by federal law to accurately report information contained in our records. We are unable to accommodate you request.if I can provide documentation that shows the account information on record is incorrect we can correct any inaccurate information within our system. All I wanted was my payments reported And they are not. So I called for clarification. The first rep was nice looked at my account and transferred me to another department but my call was disconnected so I called back. The second rep was so combative and put me on hold for 35 mins only to co.e back on to ask me to continue to hold. So I asked to be transfered. She said only if they are able to help you. ( then if they were not why was she holding ingredients on so long to speak ) anyway she put me back on hold and immediately came back and said I have someone to speak with you now. This woman asked me my name and quickly went to you filed for bankruptcy in 2016 and my reaffirmation agreement is for the wrong bankruptcy. I only ever had one bankruptcy XXXX and that was in 2016. She didn't want to explain just quickly get me off the phone. This is not asking for Mars to fit in my living room, just report my payments. Am I wrong.?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: Chaos Home Loans LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I closed on a VA loan and on the very day of XX/XX/2019, while I was signing the closing documents, Chaos called XXXX XXXX XXXX, XXXX, FL, asking that the the closing check not be cashed because there was a problem. XXXX told Chaos it was too late because the funds had been distributed already. 
The closing was completed, after which Chaos was to be paid {$2200.00}. as the first payment on XX/XX/2019, and after which I was informed that my mortgage was to go to XXXX XXXX at Chaos address in XXXX XXXX, effective XX/XX/2019. My first payment was sent toXXXX XXXX /Chaos Home Loans on XX/XX/2019, at Chaos XXXX XXXX Address but was lost or never cashed. It was never found. 
The XX/XX/XXXX and XX/XX/XXXX payments to XXXX XXXX were processed without any problems. 
.The XX/XX/XXXX payment, XXXX XXXX XXXX XXXX Check XXXX XXXX, was dated XX/XX/2019, was cashed and deposited into a personal account at XXXX XXXX XXXX by someone named " XXXX XXXX '' or XXXX   XXXX '', but has never been credited to my mortgage. As such, my credit rating has plummeted to the XXXX, and I can not refinance my VA loan. 
My XX/XX/XXXX payment was returned by XXXX XXXX due to non-sufficient funds. Had it been presented the next day a second time, it would have been paid, but XXXX chose not to present it a second time, and that check also was given to " XXXX XXXX  '' and has been lost to this current day. 
I am asking that since I talked to a Manager, named XXXX, at XXXX XXXX in XXXX, a call that I'm sure was recorded, and she said during the call that she located the XXXX check. I asked that it be posted to the account. She agreed to do so, but it was not done. Since XXXX received my payment of {$2200.00} from my bank account on XX/XX/XXXX, and failed to post it to my mortgage, I seek a refund of that amount so that I can make my XXXX payment and bring my account up to date and that all late fees be cancelled. 
How Chaos called me on a day that my wife and I had decided to move to this home, I will never know, unless my wife and I targeted because of our age of middle XXXX 's. 
Further, I plan to file a complaint with the VA Inspector General to investigate the practices of Chaos Home Loans and XXXX XXXX so that checks from Veterans should be accounted for, i.e., the lost XX/XX/XXXX payment from our XXXX Account and the lost XXXX payment from our XXXX XXXX XXXX XXXX, Organizations such as these should not have VA loan rights to service Veterans loans.

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 2023-08-03
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a car from us auto back in XX/XX/XXXX. Paid a down payment and paid on it u til early XXXXXXXX XXXX XXXX My balance is incorrect and they cant find my payments that were made or not transferred over to Westlake portfolio. Harassing calls and emails. Threatening to repo and add other fees that Im not aware of. I never sign a contract with Westlake. My warranty is void after us auto sale sold my information and Westlake isnt honoring the contract.

Company response to consumer: Closed with explanation