BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: COAST PROFESSIONAL INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Attached to this Complaint is a notice dated XX/XX/2021, sent to me by Coast Professional , Inc. Coast Professional failed to include proper disclosures as required by the Fair Debt Collection Practices Act ( FDCPA ). Coast Professional , Inc., did not disclose my right to dispute the debt in writing nor did they include they were debt collectors attempting to collect a debt. They failed to comply with the FDCPA 15 U.S.C. 1692e ( 11 ) and 15 U.S.C. 1692g ( a ) ( 3 ). Also attached to this complaint is a notice sent to Coast Professional , Inc. by me in attempts to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: EQUIFAX, 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:
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. 

Account name : XXXX  XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have now applied for a lower payment 5 times. My last time I applied for a recalculation, they actually increased the payment by another {$50.00}. So now it is {$180.00}. Why in the world we they increase the payment when I stated I can't afford a {$130.00} per month? 

Well, I called last week and got a honest rep on the phone who told me the truth ; evidently Navient falsified my grow income and " certified my income at $ XXXX/year. I didn't make {$32000.00} a last year. I haven't made that kind of money in over 5 year plus year. 

At best my AGI will be somewhere around $ XXXX after all the medical expenses and other deductions. That same honest rep did acknowledge the gross error and advised me to again resubmit my information after I did my taxes. That's another 3 months out! Whoever that did the review completely ignored all my actual information that this honest rep acknowledged was indeed received and should have been reviewed. 

I supplied Navient with my last bi-weekly paychecks from both employers and even a spreadsheet of all my medical expenses ; they still made a total mess of the recalculation. The rep wanted to put me into another forbearance and claimed that I he couldn't do a deferment over the phone for my Federal Loans that Navient took over. I refused the forbearance. So now the clock is ticking on defaulting because of the dangerous game Navient is playing with my finances. My actual gross is {$27000.00} before deducting the {$2300.00} in medical expenses. Please intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Back in 2017 I went to XXXX XXXX XXXX XXXX with a friend she was trying to buy a car. As i was sitting there with her the salesman asked did I need a car? I said yes but I dont have much income nor a driver license. He said how much income you get a month. I .told him after I pay rent I have XXXX left till the next month. He asked for documents I gave them to him and he got me approved for a brand new car with a poor XXXX credit score and XXXX a month income SSI after I pay my rent XXXX left. I asked the salesman. How did I get approved he said enjoy your new car. All my family kept asking how did I get approved. It was a no brainer the dealership falsified my income. I have since asked the dealership and the finance company for proof of income that was submitted to get me approved. Hyundai motor finance said they didn't have it. Only a contract which is useless we need application with debt to ratio income. And proof of income that was given. Because both entities want provide information to show this account was falsified. I am requesting removal of Hyundai Motor Finance from all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: Experian Information Solutions Inc.
State: CA
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 been trying for almost three years to have XXXX XXXX XXXX and/or Experian remove this information from my credit report. XXXX XXXX XXXX does not list correct contact information at Experian. It appears through an internet search that both Experian and XXXX XXXX   XXXX have been aware of this issue for years and done nothing, even in response to prior CFPB complaints about XXXX listing this very PO Box in error, or deliberately. In the attachment, please see the Experian report dated ten days ago listing XXXX 's address. Compare that with the US Postal Service rejection letter saying that the XXXX XXXX XXXX " moved and left no forwarding address ''. Now compare that with a letter to XXXX XXXX XXXX provided to me through contacting another aggrieved Experian Customer that also wrote to this address and had the dispute letter returned ... date XX/XX/2016. That person also complained to XXXX and the CFPB about this particular address being incorrect. This is willful negligence on the part of Experian and this is actionable .... possibly class action. Experian, please ask your counsel XXXX XXXX for their opinion before a lawsuit gets filed.

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 2023-09-25
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am writing to formally file a complaint against Transworld XXXX XXXX pertaining to a critical matter concerning my credit reports.It has come to my attention that Transworld XXXX XXXX has reported the same account twice on my credit reports. This erroneous duplication has resulted in severe health and financial consequences for me. Despite my sincere efforts to establish and maintain a favorable credit history, this incident of negligence on the part of your organization has caused a significant decline in my credit score, rendering me unable to apply for essential bank loans. 

The ramifications of this error have been nothing short of catastrophic, as it has severely impacted my financial stability and overall well-being. I urge Transworld XXXX XXXXXXXX to take immediate and appropriate action to rectify this situation, which has left my life in disarray.I kindly request that you promptly investigate this matter and correct the duplicate reporting on my credit reports. I also expect that you provide me with written confirmation of the resolution, as well as any actions taken to amend my credit report, within 30 days of receiving this complaint, in compliance with the Fair Credit Reporting Act. 

Failure to address this issue in a timely manner may compel me to explore legal avenues to protect my rights and seek redress for the damages I have incurre

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: M&T BANK CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
I bank with M & T Bank for over 10 years. I received a letter sometimes in XX/XX/2023 stating that I needed to call the bank to update my personal information on our joint account. I did so via phone and was asked to provide my citizenship and employment information. When I asked if my spouse needed to update here information as well, I was told that no need for that as I was the only person that needed the update. On XX/XX/2023, I found out that M & T bank froze all of our accounts, rejected my direct deposit from my employer, returned couple of payments ( credit card and car payment ) I am now going through a financial hardship as a result. I called the bank and spoke to a supervisor as he was able to identify the issue. He removed the hold that was placed on both of our accounts and advised that I will need to deal with employer and the other companies who payments were rejected. We have never received an official notice that our accounts are going to be frozen nor we received any notice about updating my spouse personal information. I need this matter to be investigated and requesting a remedy from M & T bank to compensate for this financial hardship that was caused as a result of the lack of communication and disclosure to consumer. Thanks in advance for your assistance with this matter. A Congressional complaint will be filled against M & T bank followed by this complaint to your organization.

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 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Account name : XXXX - Acct. # XXXX, Account name : XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # XXXX, Account name : XXXX XXXX - Acct. # 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 an 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 non-monetary relief
Consumer complaint received 2019-01-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I received a letter back in late XX/XX/XXXX stating that I was late on my payment and incurred a late fee. I ignored it because I thought it was an error since my payments are never late. I received another letter about a month later and this time it showed that I incurred a late fee. I became concerned and contacted Wells Fargo where I spoke to a rep, who after reviewing my account, mentioned that one of my payments wasn't applied properly due to when it was received. at first I questioned why was that the case when I am used to paying the same time every month and it was never an issue and informed her that my payments are on a recurring schedule set from the very first payment. I was told that they will fix the issue and reverse the late fees. I thought the issue ended there, but only received yet another letter stating the same thing. I contacted them again and was told the same information as the first call and the rep said the issue would be fixed. Needless to say, I called a total of 4 times ( twice on XX/XX/XXXX, once on XX/XX/XXXX and once on XX/XX/XXXX ), after receiving two more letters and still the problem hasn't been fixed. As if this wasn't bad enough, they reported these erroneous late payments on my credit report, causing my score to tank significantly! I immediately called upon notice, but was unable to be helped because the " business dept '' was closed. I requested for someone to call me immediately on the next business day and have yet to receive a phone call. I am in the middle of a home purchase and this has changed the entire outcome of my situation and may even leave my family and I displaced, as we can not move forward with our purchase and have already given notice to our current landlord. My scores have dropped 44 points on XXXX, 38 points on XXXX and 26 points on XXXX due to their negligent handling of my account.

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 monetary relief
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In XXXX we had to have two cars repossessed voluntarily due to job loss regarding a federal court case of foreclosure. My husband 's wages were garnished for the loan balance, which is being misreported on all bureaus. In XX/XX/XXXX, he was released from any obligations because the balance was brought to XXXX. We have been back and forth with XXXX XXXX and the credit bureaus to be taken off the report or updated as paid in full. I have been sent the letter from XXXX XXXX and the attorney 's office that filed the wage garnishment. Ally says to work with the credit bureaus as they know it should not be reported. The FCRA has changed its laws regarding reporting debt on credit reports of three years. We are being hindered from moving forward in life.

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 2019-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
There were a lot of citizens bank account opened fradulent in my name. I have tried to fix this because this is reported to both XXXX XXXX XXXX as well as XXXX. I did not authorize for any accounts to be open with a online bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Due to my previous correspondence concerning inaccuracies within my credit file, Transunion has regrettably declined my request for a copy of my credit report. I find myself presently barred from accessing this information online, which has created an urgency in obtaining my credit report, as I am in the process of applying for a mortgage.

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 2021-12-20
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been out of work since the beginning of 2020. I also have a son that I have custody of that is XXXX. His primary daycare center was shutdown as well as his schoolhe had to virtual learn. The company was made aware of this, and allowed a forebearance which was great. At the end of the forebearance I filed a modification. I was told there were no options other than bringing the account current which was over $ XXXX. I havent been able to work due to reasons I cant control since early 2020 so bringing the account current was not an option that I could do. I called and spoke with someone and they advised me to file another request for a loan modification. I did this. I advised on the situation, and I also advised that I was waiting on some rent relief money to come through as well. I submitted what documents I had. I also sent emails to my my specialist XXXX XXXX regarding options that were available besides foreclosure, and I did not hear back. I recently picked up my mail from the post office, and was given the foreclosure paperwork. It was not put in my box, and I received it with other larger packages that were waiting for me to pick up. For the last month, month and a half Ive been working to get the home on the marketBefore I knew about the foreclosure. I called the company today, and advised I got the notice. I advised that Im in the process of putting the home on that market. I asked if they could lift the foreclosure, and allow me a little extra time ( month, maybe two ) to put the house on the market, and make max profit for it instead of foreclosing and both the company and myself lose money. The house is going to sell for in the $ XXXX range. Its being put up for auction at {$200000.00}, and it will probably be less than that when its all said and done. I explained this to the person I was speaking to. He didnt seem to care. He said its been a couple years, and that I best hurry up the process to sell it because they are foreclosing on XXXX. Just to clarify, during those couple of years there was a pandemic in which I lost my job, had to be home to virtual learn with my autistic son, and did not have access to a sitter or someone that specializes it taking care of a child that is autistic. So, when I let the company know that I was selling, and that the company would make the full amount of due on the loan I was surprised that I was met with a lack of collaboration. I left them with my realtors information and the call ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 sent a letter to Transunion, XXXX and XXXX disputing unauthorized inquiries that are being furnished on my credit reports. XXXX immediately removed the inquires but I received a letter back from XXXX stating they were not able to locate my credit information and I received a letter from Transunion stating they were unable to verify that I was the one who sent the letter when I attached my ID to all XXXX letters. I am reattaching the letter I sent as well as my government issued ID.

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 2021-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 submitted a dispute regarding a public record a few months ago ( 60 days approximately ) which was in writing via certified mail. The investigation resulted in no change and I inquired about how the dispute was investigated. I was informed a third party ( XXXX and XXXXI ) had provided information. I followed up with a second written dispute and provided supporting documentation showing an incorrect public record. I asked for a thorough investigation and explained why XXXX and XXXX had incorrect information, as they only had access to Pacer and did not contact the record holder. I provided a statement from the original placer of the record and confirmed XXXX and XXXX had not contacted them. After submitting the second dispute in XXXX the investigation was again closed without change and without reasonable investigation, so I opted for a 15 day reinvestigation, but was denied this right by the consumer reporting company who instead opened a new dispute and clearly stated they did not have to reinvestigate, even under 15 usc 1681 and with supporting documents. The item was not removed as required by law during the reinvestigation period and I was told that my documents were not reviewed by the third parties XXXX and XXXX. I would request the public record be removed as it contains an error and the consumer reporting agency did not investigate the claim properly.

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 2023-09-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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