BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-12
Company: World Acceptance Corporation
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:
World finance is claiming I owe them {$1400.00} on an account that was charged off for {$1000.00}. The company is reporting increasing balances each month for a charged off account and is also reporting a past due balance on an account that is charged off. 
A charged off account is naturally late by default. This is against my rights as a consumer. It is also against the FCRA and not in compliance. It is also against my state law in Georgia Installment loan act Bill 462. I have asked the bureaus and the World finance to correct their error immediately with no progress. 

I also have an letter here from World finance for an attempt to collect on a debt for {$1000.00} and settle for 70 % of the loan amount for {$1000.00} however they are reporting that I owe {$1400.00} to the credit bureaus. and increasing the amount owed each month on the account. 

This is my last attempt before I send an intent to sue to both the credit bureaus and World finance! 


Section 609 of the Fair Credit Reporting Act ( FCRA ) states that you must investigate my dispute within 30 calendar days from my initial letter. As you have failed to do so, I kindly request that you remove the aforementioned items from my credit report. 


Thanks to section 611, we all have right to dispute information we believe to be incorrect or unverifiable. And if the disputed information can not be verified or confirmed, then it must be removed. 

Original copy of loan, with signature the amount of the loan, Copy of the check cashed how the loan was deposited or accepted. An original agreement of interest, proof charge off and the right to collect interest on a charged off account, and the right to report a past due amount on a charged off account. If you do not have all those legal rights, please remove from my credit profile immediately. Please do not sell, transfer or re-report account. 

Any inaccuracies and errors intentionally being reported must be removed, if not can and will be a fine and a payment to me the consumer in an amount of {$1000.00} per error. 
Any further comments or questions can be directed to my legal representative. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information for the third time now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I XXXX XXXX, am stating that XXXX, Experian, XXXX is violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as XXXX XXXX Experian, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, ( FIRST, LAST ), NEVER gave XXXX, Experian, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my XXXX, Experian, XXXX credit report : DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX   : ACCOUNT # XXXX, DEPTEDXXXX  ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX, DEPTEDXXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give XXXX, Experian, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. XXXX, Experian, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF XXXX, Experian, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my XXXX, Experian, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 2022-12-28
Company: Certegy Holdings, LLC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to cash checks on different times and different amounts from my insurance company and my payroll at different stores I have tried to open a bank account and was denied these services due to certegy reporting to the vendors and this has impacted my financial business and getting a bank account and a checking account.I have spoken with certegy on a number of times and been told the same story the check did not meet their criteria for cashing which is not true different insurance companies different amounts and a different vendor and they at certegy denied each check but the letter I received from certegy had nothing outstanding on it record this has impacted my financial business.I have explained Im in a bankruptcy and they were notified and they need to fix what ever they have in their system theirs nothing there they claim.But yet they keep denying my checks.please 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 explanation
Consumer complaint received 2021-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Greetings : Under the FCRA, with any records on a person 's credit report, the listing entity must be the filer/supplier of that information. Not a third party database/legal entity. This covers trade lines, public information. Additionally, I got a letter from the Clerk of the US Bankruptcy Court in XXXX, VA stating they DO NOT supply case information to the outside credit bureaus. I have enclosed my certified mailing, along with the documentation I sent the credit bureau. 

I've also enclosed the CB 's response ( i.e. we have validated that some company named XXXX XXXX supplied this information. ) With all due respect, XXXX XXXX IS NOT the US Bankruptcy Court.

Therefore, pursuant to the FCRA, I demand that this information be removed from my Credit Bureau report. 


Thanks, 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 2022-03-31
Company: Dovenmuehle Mortgage, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My servicer was recently changed from Dovenmuele to The XXXX XXXX. 

I have made every payment through bill pay at my bank. I received a payment returned for my XXXX payment. I was unaware at the time that bill pay was sending it to the old servicer. 
I got my new account set up at XXXX, and the balance due was showing two payments were due instead of just one ( XXXX ) I immediately caught up the mortgage payment, and started researching... 
Apparently XXXX payment was sent out through my bill pay and received by Dovenmuele, I had proof from my bank of this. Dovenmuele said they did not have my payment. After I sent them the proof they MAGICALLY found my payment! 
They told me they were going to wire this amount back to my Bank, this was on Friday XX/XX/XXXX. I have called my bank everyday to check on the payment... I still have not received it. It is now XX/XX/2022. My money is floating somewhere and its absolutely ridiculous the time spent and the work I have had to do just to prove that I sent them this payment! They would have kept my money if I had not put the effort into it...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Dear CFPB, I want to file complain on my lender Pennymac. They have my mortgage on the property of for many years. In preparation of the sell of my property, I called in on various times of preparation for the final pay off letter. I called them in XX/XX/XXXX and XX/XX/XXXX to ask the agents of the process. Both time, they made it seem pretty easy and informed me all I need to do is call the day before the scheduled closing with no additional disclosures. I asked about the payoff letter dates. They provided the information even if the date of the letter is after our actual closing date, that we will get back the extra interest that we pay. In hearing that, I waited to right before our closing date to call to request the letter. Our closing of the sell of the property then was scheduled for XX/XX/XXXX. Thus I called them on XX/XX/XXXX and they got me the letter the same date. The agent indicates that the letter is generated to XX/XX/XXXX. I inquired then if our closing date is XX/XX/XXXX, then does that mean, we will get back all the interest from the date they receive our final paid off to the date of the letter. The agent confirmed yes, overages will be sent back. Our closing went smoothly and pennymac received the pay off on XX/XX/XXXX. On XX/XX/XXXX I called pennymac and received the same expectation that we will get back the extra interest but later the month on XX/XX/XXXX I called and XX/XX/XXXX I called after nothing sent. A representative on XX/XX/XXXX helped submit a research and then on XX/XX/XXXX they called back. They indicate that I was not entitle to any interest refund as the type of loan we had meant that no matter which date we paid off the loan ( XX/XX/XXXX ), we still had to paid the full month of interest. They indicate that they reviewed all my calls and that they did not give me any misleading information. I ask them for me to get a copy of those calls as from my recollection, my understanding of the answers they give me was no problem, I will get the interest back of the XX/XX/XXXX date to XX/XX/XXXX. I feel I got cheated of around {$1000.00} of interest because of this. If we were aware of this, there is no reason for us to not schedule our closing date before XX/XX/XXXX and be cheated of a full month of interest. Pennymac refuses to make me a whole and indicate they are of no wrong. I fully feel I been wronged and they are not giving fair disclosure and guidance to their clients on this process. They owe me money for their misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in Missouri with a friend by the name of XXXX XXXX from the dates of XX/XX/XXXX to febuary XXXX. I decided to move back to Florida and stayed with a coworker named XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX apartment for less than 3 months. I never signed a lease with them and was on a month to month lease because I had only intended to stay for 3 months. XXXX the office and leasing XXXX understood this agreement and told me to stay off the lease in case she ( XXXX XXXX ) didn't pay bills after I left. I followed his statements. I left in XXXX of XXXX. XXXX XXXX abondand the place after I left. A debt collector by the name of National credit system reported me as having this debt collect of XXXX. I tried to resolve it with them but they refuse to remove my on the account because I lived there for over XXXX. XXXX is willing to talk an to the bureau because XXXX XXXX never gave Nation Credit System my information and I am not responsible for the account. His number is ( XXXX ) XXXX. I have no copies of the lease because I am not legally enitiled to it as I was not on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: Source Receivables Management LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Yesterday I log in to my XXXX to check my credit report, I saw XXXX sent me to collection for {$980.00} which I still have XXXX as my phone career and still paying my monthly bills so I called XXXX last night and spoke to a representative she told me they dont have me on their system that I owed them then I ask them to escalate the call to a supervisor and then they told me the supervisor will call me back then the supervisor call me back reassure me that they did not send me to collection agency and she told me she will get to the bottom of it to contact the credit bureau to make sure to delete the collection off my name. The name of the collection agency is Source receivable mng.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2021-08-02
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage servicer is New Rez. They are stating that they never received my payments for XXXX and XX/XX/2021. I contacted my bank ( they were sent through my bank 's bill pay ). They provided confirmation of payments. I have verbally told New Rez this, sent them these statements via snail mail ( with confirmation of delivery from XXXX ), faxed, and emailed them the proof of payments. However, it is now XXXX, and they are not recognizing the payments. Can you please help me? Thank you!

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2021-08-02
Company: Bridgecrest Acceptance Corporation
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2021-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I contact bank of America about 5 times before i could have any access to the funds been deposited by the EDD department on a pre paid car or checking car they hold the fund for about 3 weeks with some type of unknown policies they also have a limit to withdrawal, a XXXX at the time and not more than {$3000.00} thousand in thin ( 7days ) in the branches they do not accept my California ESTATE DL SUCH A VALID IDENTIFICATION AND FINALLY THEY ARE NOT GIVING CREDIT FOR THE DEPOSIT MADE ON XX/XX/2021 AND XX/XX/2021 AT ALL AND ( CALL EDD BACK AND FOR FOR A LIST 2 WEEKS AND THEY STILL HIDING THIS DEPOSIT DO NOT SHOW ANY FUNDS AVAILABLE AT ALL ( THE EDD ALREADY DEPOSIST THIS FUNDS AND FOR SOME UNKNOWN REASON NO ONE IS AVALIABLE TO DISCUSS ANYTHING AT ALL on the phone they limit to respond call EDD we do not have access to your account and he have no deposit ( i call the EDD and they said we already make credit to your account check with the bank and still having the same response i need your help to ( i try to register my card on line and I am not allowed because my ss number is wrong I still wandering what can i do to recover my funds and have access with no hold and no limit at all. 

thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
It is my belief Rocket Mortgage are overcharging borrowers interest and publishing incorrect information in monthly customer statements. 

Should a borrowers payment be less than the full monthly amount due, Rocket places that money into its Unapplied Account. Money in this account does not reduce the mortgage principal allowing Rocket to continue charging interest on money which it holds in its own account.

The figures and footnotes on Billing Statements are deliberately incorrect and misleading. In the Monthly Payment section, the value for Partial Payment ( XXXX ) : is positive. However, the Subtotal below, uses it as a negative amount. Despite my requests, Rocket have declined to correct this, leading me to believe its an intentional error used to Rockets advantage. 

The footnote avoids mentioning partial payments continue to be charged interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My info was sold and bought illegally because I was a victim of the Equifax datd breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit. Also I called Equifax in regards to clearing my debts multiple times, and Equifax did nothing to help me, and raise my credit score.

Company response to consumer: Closed with explanation