BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-01-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I called in on XX/XX/XXXX to pay the past due balance on my truck loan {$3000.00} that was in collections. I had funds on hold so the representative set up a pre auth for me. She set it up to my RV loan and not the truck loan. I then called back on XX/XX/XXXX to let them know the payment was applied to the wrong long. They had to put in a dispute for me that takes up to XXXX business days to move it from my RV loan to the truck loan. On XX/XX/XXXX I called back cause the funds were moved from my RV loan to my credit card. They told me they would have to put in another dispute to have this moved from my credit card to my truck loan. That was supposed to be done on XX/XX/XXXX. I have called in multiple times as of today XX/XX/XXXX nothing has been done to have this fixed an applied to my vehicle loan. This is effecting my credit as well.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10
Company: ALLY FINANCIAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied to finance a XXXX XXXX XXXX XXXX on XX/XX/XXXX through XXXX XXXX XXXX. Ally financial obtained a copy of my credit report and per the dealership it was denied due to Ally financial requiring a significant amount of money for a down payment or a co-signer. However, the amount required for down payment was not specified. When I contacted Ally Financial and spoke with XXXX with employee ID : XXXX to obtain terms or reason for denial she informed me she nor Ally Financial can provide me the requested information but it can be obtained from the dealership. I am still without a vehicle and not given required stipulations such as down payment amount and or terms.

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 2023-04-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a loaner cell phone with XXXX XXXX years ago. However, I purchased a new phone and returned the loaner phone to XXXX XXXX. Days later, after I paid my phone bill, T Mobile turned my phone off, stating they didn't receive the loaner phone when I knew I had returned it. The store XXXX, XXXX, has repeatedly explained to the XXXX XXXX representatives that the phone was turned. A year later, an {$800.00} collection ended on my credit report from XXXX XXXX 's debt collector. I have disputed the account multiple times, and it has not been investigated. My children and I are deeply affected by this situation, and I need this from my credit report immediately. I have been homeless due to this situation. It's not right. It's unfair, and no one is helping me resolve this situation. The credit bureaus are also reporting other inaccuracies on my credit report and have yet to respond to any of the letters I sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX 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 2023-10-15
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I applied for the XXXX student loan repayment plan through studentaid.gov on XX/XX/XXXX, for my federal loans serviced by Nelnet. The XXXXXXXX website says my application was " processed '' on XX/XX/XXXX, and said my servicer completed a review of my application on XXXX. I received an e-mail on XXXX from Nelnet saying they were reviewing my application and that if they had not completed this process in 10 days I would receive another e-mail. Their website states they are still reviewing my application, and I have received no further e-mails or updates from them. I was issued a billing statement for the month of XXXX on XX/XX/XXXX for an amount that did not reflect the amount I was quoted by studentaid.gov for the XXXX plan, due on XXXX. I submitted the full amount of this payment on the date it was due because I did not want my account to be delinquent. In looking for help resolving this issue, I read the following statement on XXXX : " If you applied for the XXXX XXXX close to your bill date or before your required payment due date, your servicer will place you in a forbearance status for the upcoming billing cycle while they process your application so that you do not pay more than you need to. Your servicer will also place you in forbearance if they can not process your application before these dates. '' This clearly did not occur, and Nelnet is showing a bill due in XXXX for the same amount ( which is about twice what I should be paying with XXXX ). If Nelnet could not process my application in time, they should not have charged me at all, according to the government website. They also stated they would provide further communication through the review process if it took longer than anticipated, and they have not. I am also attempting to resolve this with Nelnet, but the wait to speak to a phone representative is often several hours long, which is also unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: First Technology Federal Credit Union
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
The credit card XXXX XXXX XXXX XXXX XXXX. A consumer credit transaction in 15 USC 1691 defines Equal Credit Opportunity Act. This prohibits creditors from discriminating against credit applicants. I have the right to credit. Application number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: MS
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: 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 and I am reporting misleading information. There is no filing this complaint for falsely 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 explanation
Consumer complaint received 2023-08-13
Company: Experian Information Solutions Inc.
State: CA
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-03-15
Company: Experian Information Solutions Inc.
State: ID
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:
On XX/XX/2023 I sent XXXX ( XXXX XXXX XXXX XXXX ) a letter requesting them to update and remove a voluntary repossession from all of my credit bureaus, including the ones that most consumers do not know of ( XXXX, etc. ) Because I had spoken with several representatives via phone and this is what they had asked me to do in order to get it taken care of officially and legally. I didnthat, and got a returned delivery receipt via the USPS on XX/XX/2023 that it had been received by someone at their address. In have since heard absolutely nothing from them and when I call, they tell me there's nothing they can do. This is frustrating because that car which my husband and I turned in, was worth double what they sold it for, and they tacked on fees so it was less than half, conveniently, of what we owed on it. Someone got an awesome deal on our XXXX XXXX! Now, since we were screwed on the repo, they are still screwing both of us now because it has been nearly 5 years to the day since the car was turned in back to them. I was assured by XXXX XXXX XXXX XXXX that if I had written a letter and sent it to them with proof of delivery which I did, that they would take care of it and remove it from my credit report and only go after my ex-husband 's credit report for the balance for the remaining few days that it would be on the credit legally, since it has been 5 years nearly to the day. They have done nothing to help me at all whatsoever after they said that they would!

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 2024-01-06
Company: Shellpoint Partners, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
New Rez purchased our mortage from our previous lender in XXXX. Our outstanding balance is currently under {$11000.00}. We received a letter dated XXXX XXXX XXXX  in the mail on XXXX XXXX XXXX  stating it was our " second and final notice that New Rez didn't have a copy of our hazard insurance and they planned on buying insurance for our property at a cost of {$2800.00}. '' This was the first letter we had received and we received it 11 days after it was dated which seems suspect. Upon opening, we immediately uploaded both our HOA and personal insurance on our property to XXXX XXXX XXXX XXXX XXXX XXXX  as requested. Our insurance policies have never lapsed. After uploading our insurance documents to the XXXX website as requested, we did not get a confirmation number or email, but a comment telling us that they'd let us know if there was an issue with transmission ( this seems odd ). We never heard there was an issue with our transmission so we assumed they got what they needed. However, I was very bothered by this threatening letter so I tried to email them that evening. They didn't have an email but a form I could fill out on their website so I filled it out letting them know we'd always had insurance, that we received one letter in the mail on the XXXX and had uploaded the documents. I asked them to please follow up and let me know they got our insurance documents as we were not going to be paying for insurance they purchased and never needed. I never received a follow-up from New Rez. Today, XXXX XXXX XXXX we received a letter dated XXXX XXXX XXXX stating New Rez has bought insurance for our condo and will bill us for it. Again, we received their only letteXXXX XXXX XXXX and uploaded the documents to their third party website. There is a phone number on the letter so I plan to call them on Monday as their office is closed but I am very upset. This company seems incredibly dishonest. In fact, I read another complaint from another customer where this same situation happened. It also appears there are many class action lawsuits against them. I login in to New Rez 's website at least once a month to pay our mortgage and the request for insurance never showed up on their website. They never called or emailed us. Instead, we got one letter in the mail 11 days after it was supposedly written letting us know it was our second and final notice to provide proof of insurance before they buy insurance and bill it back to us. Upon receipt of the letter, we did exactly what they asked of us and now they have written to tell us that they've purchased {$2800.00} insurance on our remaining {$10000.00} loan and will bill us for it. This is not reasonable but egregious. Terrible dishonest company!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to file a formal complaint against Experian regarding their persistent failure to rectify inaccurate information on my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( C ). This marks my third attempt to address this issue with Experian, and I am dismayed by the company 's lack of compliance and disregard for the accuracy mandated by the FCRA. 

The inaccurate information in question pertains to my alleged residence at XXXX XXXX XXXX XXXX, XXXX, IL XXXX. I emphatically state that I have never resided at this address, and this misinformation is detrimental to my creditworthiness. Despite providing evidence and disputing this information on two prior occasions, Experian has failed to correct their records. 

The FCRA explicitly requires consumer reporting agencies, such as Experian, to maintain accurate information on consumers ' credit reports. Section 623 ( a ) ( 1 ) ( C ) outlines the obligation to promptly delete inaccurate information. Experian 's continued reporting of false information not only jeopardizes my financial standing but also constitutes a blatant violation of my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter promptly and take appropriate action against Experian for its repeated non-compliance with the FCRA. Furthermore, I urge the Bureau to ensure that Experian rectifies this issue immediately by removing the false information from my credit report. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will take the necessary steps to rectify Experian 's non-compliance with the FCRA. Please do not hesitate to contact me if you require any further information. 

Thank you for your prompt assistance.

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 2023-08-01
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
2 credit cards with XXXX XXXX XXXX  XX/XX/2020 {$730.00} and XXXX XXXX XXXX  XX/XX/2020 with a balance of {$1000.00} have been fraudulently opened up in my name due to identity theft. It says debt buyer for both is LVNV Funding. I have tried to dispute and I have also contacted by phone and fax to get this resolved by sending them the proper documents of my identity theft report to have this removed. Ive called numerous times and sat on the phone for hours to try and get this resolved. This is affecting my credit negatively. This account is fraudulent and does not belong to me. I want it removed immediately. Attached will be the identity theft report and proof of trying to communicate. Please do the right thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: CCS Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Back in the early month of XX/XX/2022 I contacted this company for validation of the debt they have inaccurately reported to my credit profile. I have found *several* inaccuracies on my report that further prove my suspicion of this account being fraudulent and NOT MINE. Attached is proof of the credit report with misinformation differing across the three credit bureaus. I kindly request this item to be removed completely, never to be added back again. I understand that the Fair Credit Reporting Act regulates credit bureaus and collection agencies to ensure proper and accurate reporting for all consumers. In this case, I have not been treated fairly as the reported accounts are continuing to show -- with mismatch information especially. The history for XXXX and XXXX is missing -- COMPLETELY. The history for XXXX has gaps in payment history and differs from the other reports that XXXX and XXXX has provided. The last activity dates are inconsistent and seemingly updated randomly. The account status is inconsistent across the bureaus -- showing closed AND open. Again, this is a very clear-cut violation of the Fair Credit Reporting Act. This company does NOT care about reporting accurate information -- nor do they care about customer complaints when said customer is a victim of identity theft. I need something done about this immediately!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: National Credit Adjusters, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
according to section 15 USC 1692 in the Fair Debt Collection Practices Act, this is an common and illegal sale of third parties to collect a debt I did not consent or receive written verification via Mail of original documents. I have been harassed numerous times the day with phone calls and voice messages impersonating a legal matter and lawyer. I need these illegal credit reporting agencies removed from my report. I have removed the number several times and I still receive numerous calls from different numbers but from the same company. 

Company : National credit adjusters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: John C. Heath, Attorney at Law, PLLC
State: TX
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
On XXXX XX/XX/2023, I signed up for credit repair services with Lexington Law, and agreed to be billed $ XXXX for said services. 

I paid an initial account setup/access fee, and then was billed for what I believed was the first month of service on XXXX XX/XX/2023. It was my belief that in paying a monthly rate for services rendered, this payment covered services from XXXX XXXX to XXXX XX/XX/2023. 

On XXXX XX/XX/2023, I called Lexington Law 's call center and requested cancellation of the account prior to my next billing date of XXXX XX/XX/2023. I was informed at that time that my payment on XXXX XXXX was actually a " fee, '' rather than a charge for services rendered for the month, and that my first payment for services actually rendered was not charged until XXXX XX/XX/2023 ( date following the month of service ). In Lexington Law 's opinion, I still owed them for services rendered between XXXX XXXX to XXXX XX/XX/2023. 

I believe that the use of an initial " fee '' that appears to be the same charge as a monthly payment for services rendered is fraudulent and misleading.

Company response to consumer: Closed with explanation