BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-01
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been trying to dispute incorrect items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 have did as I was directed to do by FPD California, F.T.C., consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: CA
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 have did as I was directed to do by XXXX California, XXXX, consumer affairs, creditors, and credit reporting agencies. Under California law I need the items in dispute removed from my credit report and any other credit reporting agencies as well please.

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 2023-06-16
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
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:
Hello. The issue I had is my husband had a loan with Nissan Motor Finance/Nissan Motor America Corp , which was 78 % paid for at the time of his death with on time payments. With no will or anyone named as executor, his estate including assets and debts went into Probate. All documentation went to NMAC, Finance Manager including death certificate, letters of administration, and Probate documents. Payment was even made after the fact by wife. Nissan was notified by estate attorney to file claim for payoff. They proceeded to repossess the truck, give the wife 10 days and when she tried to schedule payoff in full from the estate account via online, telephone, she was told she couldnt do either of those payment options even though the online account stated she could. They refused payment over the phone and demanded they be paid via XXXX ( which only allows transactions up to {$1500.00}, at {$60.00} service fee with card, which this account does not have a card ) or cashiers check. Since the wife only has 10 days before they send it to auction, lack of faith in Nissan coupled with their horrible service leaves her in an impossible situation. So they sell the asset, collect the payoff, and leave the wife holding the bag for the truck value when she was denied making payment by Nissan? Check was overnighted by the bank to address listed for overnight payoff on website, considering when called back to verify check address, their system cut off the wife 's calls. Did Nissan not just pay out a big lawsuit for unlawful repos and denying payments???

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: EQUIFAX, INC.
State: TN
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:
On XX/XX/2019 Equifax dropped my credit score by 29 points due to an a late payment alert on XXXX XXXX XXXX. This account was closed, paid in full, in XXXX of 2019 so there was no payment to have even been made. I contacted Equifax about the issue, and on XX/XX/2019 my score was only updated one point! As this was an error on their part I should have received all 29 points back. Equifax hung up on me, refused to let me speak with a manager several times, then told me I had to pay {$7.00} if I wanted to know my credit score. The same issue happened with Transunion, but they updated my score to the original number immediately. After going in circles and getting no where I am hoping you will be able to get my score updated back to the original score before XX/XX/2019 when it was dropped 29 points. I spoke with XXXX ( employee # : XXXX ) and XXXX ( employee # : XXXX ) from Equifax who were the most rude and unprofessional people I've ever worked with. Please help to fix this error as I shouldn't be punished for their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Atlanticus Services Corporation
State: CT
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 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Grant Mercantile Agency
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have sent all additional information asked of me. Under California law as a victim of identity theft I would like to have this removed from my credit report and reporting agencies reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-18
Company: AMERISAVE MORTGAGE CORPORATION
State: CO
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/2021 at XXXX, I received a call from XXXX XXXX ( NMLS ID # XXXX ) about information I submitted online about a refinance. During the phone call, I asked if I would even qualify for a refinance and told him I just wanted an idea on the numbers I might get. A few minutes later he stated that my credit and my partner 's credit wasn't pulling for him. I told him I had just lifted credit freezes from XXXX  and XXXX. after he still couldn't get the credit to pull he stated that " for security reasons, I need both full social security numbers ''. I asked him if this would be a hard credit inquiry and he stated several times it was a soft pull. I agreed to the soft pull. After he pulled the credit I and my partner received credit notifications that a hard inquiry had been processed and it dropped my partners credit 3 points which resulted in her credit score not being in the excellent range. After we received the notifications, I immediately notified him that he had pulled a hard inquiry and we had not authorized him to do so. He responded by saying " I don't know what you're looking at or where you're getting your information but I assure you that I pulled a soft credit inquiry and that all inquiries show. '' I repeated that I received notifications from the major credit bureaus that there had been a hard credit inquiry to both of our credit reports. After that, he started asking us about our employers and we asked why he needed that information when we just wanted to know general information based on our debt and income. He stated he just needed it to fill out the information on his screen. We stated we did not want to apply for a mortgage at this time. He stated he wasn't setting up an application and asked again for our employer information. At this point we ended the call. Immediatly, I checked my email which had an email sent by Mr. XXXX at XXXX, that stated a mortgage application had been started. 

At XXXX XXXX, I called Amerisave 's customer service team and who said she would report this information to Mr. XXXXXXXX XXXX  supervisor and have them reach out to me to correct the issue. 

Also, I tried to report this to the credit bureaus but they require you to call during their business hours.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Zions Debt Holdings
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX I reached out to this company because it appeared on my credit report. I called this company twice and they did not answer. They finally returned my call and was very rude and unhelpful. They informed me that 5 years after I moved out of my last location someone opened an account in my name. This account has been disputed in the past with a previous debt collector that transferred it to zions debt collectors. It was disputed as fraud. I have not lived at the said location since XXXX and due to that it was disputed with the credit bureaus and removed until apparently sold to zions debt collectors. It has since been in dispute again with all credit bureaus and currently under review. I have NEVER had a XXXX account. I dont even know what XXXX is. All of my accounts that I currently have open are in Georgia and they are all in good standing. I have never opened this account and zions debt collectors are very rude. They need to complete their research before placing items on credit reports and help the consumer to resolve these issues as any other debt collector may. They were not helpful and basically told me they werent doing anything until I got it removed myself. This company is fraudulent!!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I, XXXX XXXX, Understand my rights as a Federally protected " Consumer ''.

Fair Debt Collection Reporting Act ( FDCPA ) 15 U.S. Code 1692. ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.

15 U.S. Code 1692a - Definitions ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.

( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of Please be advised XXXX  XXXX XXXX has been reporting false/Inaccurate Information to my consumer report. According to 15 U.S. Code 1692g - Validation of debts I have asked the company to present me with : Original Debt Instrument SIgned Contract Video, SIgnature, or Evidence that I am the One who committed such charges. 

Lastly, while speaking to a representitive they have the wrong address for me an address that was associated with fraud and they continue to report this information to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I placed an order in XX/XX/2023 to a company that I found on an internet site. I found out it was a scam. I immediately tried to cancel, but was told I couldnt. I filed a dispute with my bank as I used a debit card because I didnt receive the item in the amount of XXXX. I was contacted by the company to withdraw the dispute and the would issue a refund. I did and received several fake screenshots of refunds. They told me it was my bank blocking the refund. My bank was not. I received more of these screenshots and then today was told I wouldnt be receiving a refund because the dispute was in their favor, it was not I cancelled it. My bank will not allow me to dispute again because I withdrew the first dispute. Now I am out the money with both left to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to set up a repayment plan with PHH. By stating that on XX/XX/XXXX I was going to pay {$1500.00} with a 5 day grace period and the rest to be divided by the rest of the loan. On XX/XX/XXXX I got an email from PHH stating that they could not set that up because my mortgage ends on XX/XX/XXXX which they should have known. So I emailed back stating that can we not do it for the remaining months so I can refinance and be done with each other. 
While I was waiting for a reply to my email I received the letter dated on XX/XX/XXXX that they handed my account to the lawyer to start foreclosure. So how is that possible? Why are you working on a plan with me yet not working on really? 
Please help me get it fixed so that I can get on a payment plan or get it modified. 
I did everything I can to get this back on track they turned me down. I want to keep my house. I want to stay in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: AL
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:
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.

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 explanation
Consumer complaint received 2023-03-09
Company: Mr. Cooper Group Inc.
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went to the mortgage company website on XX/XX/2023 to make a one-time principal payment ( {$7200.00} ). When they processed my payment, they took out interest. I had already made my monthly payment on XX/XX/2023. I tried to rectify this with the mortgage company. They initially said wait 24 hours for the correction to their error. I did wait 24 hours and now they're they are telling me 3-5 more business days. That unacceptable. They already have my money ; they mis-applied the payment. That not a XXXX day fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
XX/XX/19, {$460.00} - rental scam. I found a rental on XXXX XXXX in XXXX that was available. They asked if I could send payment through XXXX. I never heard of it. As soon as I looked it up it was actually part of my TD Bank app. I felt more comfortable knowing this since it was part of my TD Bank that this is a trusted site and my bank is aware of the person I am sending the money to. If they didn't know who uses XXXX they would not have them as part of a money transfer company on their app. Even when I typed in the email the person provided, the app was like you mean " XXXX '' because I typed in the email which had XXXX. I trusted TD Bank to protect me as their customer. As soon as I realized I got scammed ( in front of the rental that did not belong to them ), I called TD Bank to stop payment. They said they could not help me that it needed to post first. How could my bank let this happen to me. They are there to protect their customers. I guess it's not their money so they didn't care. We went to the police station right away to file a claim because now we don't have the money or a rental ( took us 5 hours to get there from where we live ). We had to scramble and try to find a rental which was not in our budget but we had no other option. Upon returning home, I called TD Bank and filed a claim. I was told that this would be taken care of and she apologized to me and said I would be credited back the money. She told me to get the police report and fax it to them. Two weeks later I was able to get the police report and faxed it to TD Bank. Three weeks go by and I still haven't heard anything. I called them today and they said there's nothing they can do. I told them it's their fault because I trusted their site and why would they have apps on their site that were not verified. They make me go through hoops when I'm out of town but yet they let anyone set up fake accounts and transfer money??? They are supposed to protect their customers but this is not the case. He rep told me to go to law enforcement and see what they can do for me. I already filed a claim with the MA police department as soon as this happened. This is ridiculous! I will no longer be doing business with TD Bank since they do not protect their customers from fraudulent transactions. That app should not be associated with their site at all if they can't verify the customers that use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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