BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: Westcreek Financial
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I get a alert from my third party credit monitor that a account was reported delinquent 30 days so I look to see who it was and it was West Creek Financial delinquent XXXX past due 10. Now my account has been current for a year now even when I called them and made partial payments they still reported the account current now I have 1 more month to pay them originally was XX/XX/XXXX but due to financial issues which I explained even when I changed my payment dates I have a scheduled payment coming out on the XXXX of this month they couldn't even wait til that payment comes out which would have decrease my amount owed its ridiculous how they waited until I had 1 more month to finish out this account to do this I spoke to a customer service rep about this and all he keep asking can I make any small payment towards the account now remind you I got a payment for the full monthly amount coming out on the XXXX he checks oh yes you do have one then when I asked since that payment is going towards this XXXX that would decrease my amount owe oh yes it will so I asked him about the reporting they did oh we report to XXXX  so I said what about this 30 day delinquent you all reported how is that going to work since I have a payment on the XXXX and that decreases the amount owe which it will bring it to my regular monthly payment which will not make it 30 days delinquent.He tells me that third party credit reporting has not updated yet it takes a while but how was I able to see this 30 day delinquent and I seen it on several third party credit reporting that I have access and get alerts from I think that West Creek Financial is wrong for doing this after waiting a year to report this. And since its still a pandemic aren't company 's are not supposed to report account delinquent even if the consumers make some type of payment or arrangement with companies? I only missed 1 payment back in XXXX had a finance issue which I do call them and since then made partial or some type of payment towards this account. This has affected my credit tremendously.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-13
Company: DISCOVER BANK
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, I tried to transfer XXXX XXXX dollars from my XXXX XXXX  account ( in XXXX XXXX XXXX to my online savings Discover account. This transfer happened on XX/XX/XXXX. Despite my transaction activity saying the transfer was successful, the transfer actually failed due to a error on Discover 's part. I was told this by Discover representatives. On XX/XX/XXXX, Discover attempts to reattempt the transfer and tries to transfer the XXXX again. Since there was already a transfer initiated XXXX XXXX, and the error was on XXXX 's part, XXXX XXXX  charges me with overdraft fees. On XX/XX/XXXX, a return ACH transfer is initiated by Discover, however a week later, neither bank has my XXXX. I've contacted both banks throughout the week and both redirect me to each other. I don't know how to proceed but would like help in order to get this solved as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
If you don't expeditiously wipe out this misguided and divided information, I will record an appropriate complaint with the FTC. 
Furthermore, I intend to search for change in like manner movement, for recover of damages, costs, and legal counselor 's charges, would it be really smart for you continue in your cognizant block of the law. Hence, I am circumspectly detailing these events, including the shortfall of response REQUIRED under guideline from you. 
Besides, generously give the name, address, and telephone number of each credit grantor or other ally. 
Under unofficial law, you had XXXX  days to complete your reevaluation, yet you have forgotten to respond. Your continued with delays are inexcusable. 
Be instructed that the portrayal in regards to the framework used to conclude the precision and perfection of the information is subsequently referenced likewise, to be allowed inside XXXX  days of the completing of your reconsideration.

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 2021-02-13
Company: Absolute Resolutions Corp.
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:
I was a victim of identity theft and I advised the company of this and sent a copy of my federal trade commission identity theft report and FTC Notice to Furnisher on XX/XX/2020 via email and fax. The company has not responded and continues to report this inaccurate information and refuses to delete it or accurately report it as identity theft and fails to report the correct dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: CL Holdings LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
They will not listen or even give me the chance to tell them that this debt was included in a bankruptcy that has been closed for over 5 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mother in law passed away in XX/XX/XXXX. She divorced her husband in XXXX and legal proceedings were held to remove him from the morgage held by XXXX XXXX at that time. In XXXX the morgage was sold to M and T bank. They have been informed of our want in succesor of interest, however they refuse to alliviate XXXX XXXX, my divorced father in law, of his responsibility to the debt. After much discussion with XXXX XXXX and many document transmitals. Their final response from their representative, XXXX XXXX was that it, '' sounded like a XXXX XXXX problem and not a her problem ''. She also seemed to think we might be interested in coming into their New York based office from Texas.

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 2022-08-11
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My card was used for {$480.00} on XX/XX/22 in an online transaction thru XXXX. The company was XXXX XXXX  which is an XXXX company in XXXX XXXX I dont live in XXXX XXXX XXXX I have done all the research on my end. They have said I lost the dispute and that it was me. 

I have worked with XXXX XXXX  who has stated they dont have the transaction in their system and that they dont even use XXXX so its not even their company who the card was used at. The evidence against me is a XXXX receipt with my name and address but a fake email and fake phone number and invoice number was XXXX. Lots of red flags. 

I dont know what else I can possibly provide to say it wasnt me for an online transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: GA
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-13
Company: American Credit Acceptance, LLC
State: WA
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:
ok here goes each time some one applies for a loan, or any type of thing you get you credit score lowed.. so does that person get there score back no .... so why does some one have to have a lower score ... and have to wait 2 years to get it back. and why does it take so long to just talk or put in paper work to get it back .Q : have you every asked for help in any way ... so now be honest have you ... going for a loan is like asking for help so each time you do your credit score goes down on my turn down letter it says Number of recent inquiries ... funny when i ask for help i get a ding that ding is there for 2 years so i am going to sue this place and the company and the credit places, why is it that a persons credit goes down and why does a person have to Waite so long to get it back agene if you need help and can not get help i Quess you are out of luck ... right the company told me i have 38 ... 38 serious delinquency 's funny i have a son with my same name am i getting his to.. i know he uses my name dob, and all my things funny very funny

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: WELLS FARGO & COMPANY
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX, I XXXX XXXX XXXX made a final payment for the amount of {$16000.00} to Wells Fargo Auto for account ending in XXXX. Account XXXX is for a XXXX XXXX XXXX which to my knowledge has been paid in full based on the terms of the Loan Agreement. I have proof of the final payment and even the title of the vehicle which does not show any liens. I recently received a letter from Wells Fargo Auto indicating that the auto loan is past due and that they have the right to reposes the vehicle if I don't make a payment to bring my account up to date. Wells Fargo is also stating that they will report my account as delinquent to the appropriate credit bureaus. I am done dealing with an incompetent bank such as Wells Fargo and seek support from the CFPB for this matter. Please contact me with any questions you might have regarding this complaint, my cell phone number is XXXX. 

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 non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: Four Directions Lending LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I never asked or received a loan from this company. They sent a wage assignment document to my workplace stating that they want to garnish my wages. Theres been no court case filed against me that XXXX aware of and they can not take my wages even if I dont dispute the validity of this loan. Please tell them to stop these illegal attempts to take money out of my wages or embarrass me through my workplace in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
We signed a contract on a home in XX/XX/XXXX and the seller has two liens on the home XXXX XXXX and suntrust is the second lien. XXXX XXXX has already agreed to the short sell and has approve the extension twice but we have been waiting on suntrust mortgage for one approval 6 months. Suntrust is holding up the mortgage on purpose. We have already received final closing documents and have extended our rate lock 4 time which is costing us lots of money. The seller, lawyers on both sides and our mortgage company XXXX has contacted Suntrust several times to obtain closing approval but they have no explanation or responded. The cost to the consumer ( buyer ) with no explanation as to why the delay is unacceptable and with no excuse as to why. We will obtain another cost to increase on our rate lock again on XX/XX/XXXX which will go up for the 5th time. This is our forever home we have been looking for at least 3 years and we finally go it. Please help expedite this matter. Thank you

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 2022-01-07
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: PENNYMAC LOAN SERVICES, LLC.
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:
This complaint is in response to a copy of my most recent consumer reports from XXXX, XXXX, and XXXX. I noticed that PennyMac Loan Services/PennyMac Financial Services are reporting nonpublic financial transactions information on my consumer report. I did not give any of the aforementioned companies written permission to report this information. I want the following account 's transactional information removed from my consumer report immediately. 15 U.S. Code 1681c states no adverse information to be reported on my consumer report. 15 U.S. Code 1681b ( 2 ) states that ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I would like to see the written permission with my wet signature from the companies authorizing them to report this account 's information. 15 U.S. Code 6802 ( b ) - Opt Out, states I have the right to opt out and exercise my right to nondisclosure of my information. 

Pennymac Loan Services , LLC Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Synced XXXX XXXX  card XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX in XXXX XXXX bank XXXX Chex systems XXXX XXXX XXXX bank XXXX And many more transactions and inquiries i habe no idea about My unemployment has been getting stilen from me since XXXX and i dont know where it is going I have not been recieving it. I tried to make a police report but they cant until unemployment Commission does so and i cant get anyone on the phone with me to make it happen.

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 2022-05-01
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act INQUIRES XXXX XXXX  ON XX/XX/XXXX ; XX/XX/XXXX & XX/XX/XXXX XXXX  XXXX ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  : XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX, XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX, has violated my rights. 

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

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 2022-09-06
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX : {$230.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on 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 2022-02-03
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: Investigation took more than 30 days

Complaint:
I have received an alleged debt collection notice from XXXX XXXX XXXX XXXX XXXX. I have requested a validation of debt on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX and have yet to receive a response. in addition, the Credit Reporting Agencies are claiming to have received a response but have failed to provide their method of verification. This has been detrimental to my credit report and score. I need to resolve this matter as soon as possible as this hindering my opportunity to secure reputable employment.

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 2021-07-21
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: Public record information inaccurate

Complaint:
XXXX XXXX  and experian, XXXXXXXX XXXX XXXX, and XXXX, repeatedly violates FCRA Section 621 ( a ) ( 2 ) of the fair credit reporting act 1681 ( s ) ( 2 ) knowing the violations of the fair credit reporting act, after making a law not to report judgements, public records, and tax liens, they are still reporting it on my credit report, and re-aging old debt, and they are reporting tax liens, and accounts that are 7 to 10 yrs past statute of limitations for credit reporting, these companies a required by law to remove these items or I am seeking legal remedy. I have grown with frustration constantly disputing these items with the credit reporting agencies, and them not abiding by the fair credit reporting act and doing nothing about it to correct, and delete accounts. This accounts were disputed by FCRA before and found to violate FCRA policies, the credit bureaus removed these same items, then 3 yrs later started reporting these items again, in XXXX when they thought that I was not monitoring my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief