BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-02
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: Investigation took more than 30 days

Complaint:
In XXXX of XXXX I made a payment of over {$3000.00} to XXXX XXXX XXXX after being fired from my place of employment in XXXX of XXXX following an incident in which I was hurt on company property. I found new employment in XX/XX/XXXX and was able to combine funds from my new employment to make a size-able payment to XXXX to catch up on my car loan from the time I was unemployed. In XXXX of XXXX, I was laid off from my new job due to the Covid-19 pandemic and while I applied for unemployment, it took over 4 months for my application to be processed and I received a back payment in XXXX of XXXX. This was my first unemployment payment. In XXXX of XXXX, my XXXX XXXX XXXX was repossessed due to non-payment. I made all of my creditors aware of the fact that I had been laid off in XX/XX/XXXX, and all of them worked with me EXCEPT for XXXX XXXX XXXX. I was waiting to receive my unemployment to try and catch up on everything that had fallen behind, including my car loan. They repossessed my vehicle prior to my unemployment ever being received. I tried talking to them via telephone and they would not work with me. Additionally, they have since written my debt off as bad debt but continue to report a past due balance on my account which is a violation under the FCRA. I have made disputes both with XXXX and all 3 Credit reporting agencies, I entered these disputes on XX/XX/XXXX, it has now been nearly 60 days and I have yet to hear back from XXXX or the CRAs regarding this matter. I requested the account be removed off my credit and have yet to receive a response. Additionally, it has recently come to my knowledge that there was a bill presented in XXXX : XXXX XXXX XXXX in which it states that there is a restriction of the repossession of vehicles for certain persons suffering financial hardship as a result of the Covid-19 pandemic until the expiration of the restrictions on business, yet my vehicle was repossessed before the mandatory quarantine was ever lifted. Please help me remove this account from all three of my credit reports as it not only caused me great suffering in XXXX  of 2020 when it happened, but it is STILL impacting me today, as I am still unable to purchase a new vehicle due to the impact this has had on my credit and personal finances throughout the Covid-19 pandemic. 

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 non-monetary relief
Consumer complaint received 2017-05-03
Company: NATIONSTAR MORTGAGE LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I am in the process of selling a home. The Original Mortgage was done by  XXXX   XXXX   XXXX , who was bought out by   XXXX   XXXX   XXXX  .  XXXX   XXXX  then sold the note to NationStar Mortgage. The note was originally secured by 3 separate properties, but the  one  at  XXXX   XXXX   XXXX   XXXX   XXXX , IN was sold and no longer secures the note. The mortgage note for this home is secured by  2  properties. The property that I have under contract to sell is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX  and the other property that secures this note is  XXXX   XXXX   XXXX   XXXX ,  XXXX , IN  XXXX . The Mortgage note is currently held by NationStar Mortgage. On   XXXX  ,  XXXX   XXXX  of  XXXX   XXXX  in  XXXX , IN requested a partial release for the property on  XXXX   XXXX . Today she got a response from NationStar Mortgage with a long list of items required for a partial release. They are : {$250.00} partial release fee, no 30 day lates in the last 12 months, appraisal of both properties securing the note, survey of the property being released, sales contract. The original note does not have any of these requirements for a partial release. I agree that a copy of the sales contract is reasonable and when the appraisal for the property being sold is completed, we will also provide a copy of it. I feel that the remainder of the items are unreasonable and are only a requirement to make the process so difficult that they can not be met in time for the scheduled closing. The current balance on the note is {$79000.00}. After the closing costs are taken out from the sale, NationStar Mortgage will receive just over {$50000.00} toward the note. That would leave a balance on the note of around {$29000.00} and secured by the home on  XXXX   XXXX   XXXX , which is valued at $ {$89000.00}. I can have the realtor provide a Comparative  Market Analysis  to o NationStar showi ng the current market value of Wheeling. This is provided free of charge to me and an appraisal would cost {$450.00} and take a month to obtain. I need your help to resolve this matter with NationStar Mortgage  ASAP, so  we can still close on   X/XX/17  . I have attached a copy of the original note, and the maturity date was extended to  XXXX / XXXX / XXXX . I have also attached a copy of the list of items for release from NationStar Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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 XXXX, AND I AM A UNITED STATES XXXX, XXXX  AS A CIVILIAN FROM THE XXXX XXXX XXXX. I AM WRITING YOU BECAUSE I HAVE PROBLEMS WITH MY CREDIT REPORT AS THEY ARE CLOSING ALL AVENUES FOR ME TO HAVE CREDIT WHEN I ALREADY PAID IN FULL ALMOST ALL CREDIT CARDS OWED. PLEASE SEND TO THE CREDIT BUREAU THE LETTERS, WHERE THE CREDIT CARD WAS PAID IN FULL, THIS XXXX  XXXX XXXX  WAS PAID PAID AS A SETTLEMENT DONE THROUGH XXXX XXXX XXXX AND MYSELF. 
XXXX XXXX XXXX ON XX/XX/2021. THE ONLY CREDIT CARD OWED TO XXXX XXXX WAS THE ONE ENDING XXXX, AND THEY HAVE 2 DIFFERENT ON MY CREDIT REPORT. PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: CURO Intermediate Holdings
State: LA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I ASKED THIS COMPANY TO SUBMIT TO ME A CONTRACTUAL AGREEMENT SIGNED BY THEIR COMPANY REPRESENTATIVE AND MYSELF. I DID NOT SIGN AN AGREEMENT/CONTRACT WITH THIS COLLECTION AGENCY. IT HAS BEEN LONGER THAN THIRTY DAYS SINCE MY REQUEST AND SHOULD THEREFORE BE REMOVED FROM MY CREDIT REPORT. INACCURATE INFORMATION REGARDING ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: EQUIFAX, INC.
State: MO
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX XXXX XXXX Balance : {$3300.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: Experian Information Solutions Inc.
State: TX
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: Was not notified of investigation status or results

Complaint:
There are multiple accounts on my credit reports that I have been disputing for sometime now, at least for almost a year. I have reached out to all consumer reporting agencies requesting verification of debt, how did they verify the debts well as why are my accounts being re-aged. Out of all of the disputes Ive sent, I have only received a response back from one bureau and it was only in the months of XXXX and XXXX and I have been disputing these accounts since XXXXXXXX XXXX XXXX 

XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. Experian and XXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : Only response was from XXXX. Experian and XXXX failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 XXXX : All bureaus failed to respond and complete a proper investigation. Disputes sent XX/XX/2022 It is my right as a consumer to dispute inaccurate information from my credit reports and at my request, any consume reporting agency must respond and acknowledge my dispute request as well as complete a proper investigation. All three bureaus, XXXX, XXXX and Experian is in violation of the credit laws by ignoring my disputes and I am demanding that these inaccurate accounts are deleted from my reports due t their negligence on following proper consumer regulations.

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 2021-07-24
Company: Sequium Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I responded via certified letter to a letter I received from a collection agency in which I requested validation of the debt they claimed I owed. I requested specific signed documents showing that I owed said debt and also included a declaration to be completed, signed and dated by the authorized creditor ; then I sent the letter via certified mail with return receipt requested. On XX/XX/XXXX, my letter and its attachments ( 6 pages ) was received and signed for by the collection agency. As of XX/XX/XXXX, more than 6 months later, I have not received a response from the collection agency, yet they continue to report to the credit bureaus, a clear VIOLATION of my consumer rights pursuant to the Fair Debt Collection Practices Act. This action may constitute as FRAUD under Federal and state laws. On XX/XX/XXXX, I sent a certified letter to the credit bureaus asking that they remove said invalidated account from my credit profile. I received an updated credit report from XXXX  dated XX/XX/XXXX that showed the account was still being reported. These violations has caused me harm and must be remedied immediately. Kindly help. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-03
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid off Nationstar mortgage    XXXX   XXXX     . The lien release has not been sent to    XXXX   XXXX   . I have called and emailed since  XXXX  Each person I spoke with stated the lien release would be filed in  5-7  business days. I spoke with  XXXX   XXXX  (   XXXX   ext  XXXX  ) and  XXXX   XXXX  (  XXXX  ). Both assured me that they would personally take care of the oversight and neither has done so. All I want is for  Nationstar  to send the release to    XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
HELLO I am writing your office today to file a formal complaint against, CAPITAL ONE AUTO FINANCE, & XXXX XXXX XXXX am requesting that this matter be thouroghly investigated. Late last year, I requested a quote from Caiptal One they gave me quote, meanwhile I found another company that gave me a better rate so, I proceeded with them, I let Capital One know that I was no longer interested.OnXXXX, I received a call from the company I chose says that they called to get the balance from XXXX and they told them that it was XXXX. So called XXXX XXXXiled a complaint that I never authorized this loan and to forward all document on this loan for my review.Then I called XXXX XXXX and ask them why would they push my throw without my approval, filed writen compliant requesting my signature on any document and all verbal authorization they have, They both verbally agreed on recorded line to UNWIND the loan and correct the error, said it would take 30days. On XX/XX/2023 Rep from Capital One called said XXXX is not sending check back.the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MD
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 consumer dispute with Experian and they refused to conduct the investigation and send me the results it has been almost 60 days no response i tried to obtain a new credit report to see if the disputes were taken care off and they refused me access to my annual credit report because i didnt know the tag # to my car so now i would like to submit since the disputes took 60 days

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 2021-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
I mailed letters to the credit agencies and nothing happened. 
I have inquiries that I did not authorized. 
There are late payments and other accounts that are reported late and charged off that are not true. 
I see an account that does not belong to me.

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 2018-09-10
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am a primary and secondary buyer with XXXX XXXX. The account for which I am a secondary buyer, payments are being posted as being late when there are bank withdrawals stating the date and amounts of payments within 30 days of the due date. I have been calling over 5 times to get this resolved, and I am not getting any resolution. Each time I call someone puts in a dispute but the issue keeps reoccurring. I call back to see if the problem is corrected and I am told it's current. Now I am calling again today and its 45 days past due, when a payment was just made in XX/XX/XXXX for the XX/XX/XXXX payment. I was never received any documentation from XXXX XXXX regarding our disputes and was told today that is not the company 's responsibility to send me documentation. So I have no proof from XXXX XXXX stating that this is actually been corrected. Every person that I speak too gives conflicting or incorrect information, which leads to believe that this will not be resolved. This has affected my credit score for there inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-11-05
Company: Experian Information Solutions Inc.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX, Account # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC1681 Section 602 States " I have the right to privacy. 15 USC 1681 Section 604 A, also states " A consumer reporting agency can not furnish a account without my written instructions. 15 USC 1681c ( a ) ( 5 ) Sections states " no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under Title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. ( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless -- ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer 15 USC 1666B : A creditor may not treat a payment on a credit card account under any open end consumer credit plan as late for any purpose.

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 2021-04-19
Company: EQUIFAX, INC.
State: MI
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 am XXXX XXXX XXXX, and I am writing this for myself and there is no third party involved over a few months ago I sent in my dispute letters and I have yet to hear anything from them. I understand that by law they were given 60 days to respond and I have yet to her anything from them and in return I need those items deleted because I never gave anyone the consent to procure any report pursuant to 15 USC 1681b ( 2 ) which is a violation of my consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: SANTANDER HOLDINGS USA, INC.
State: MD
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 paid off my auto loan with Santander Consumer USA in the amount of {$9300.00} on XX/XX/XXXX. I have received my title and lease of lien for the vehicle I paid off from Santander. This account should be reporting a {$0.00} balance and paid satisfactory. As of today XX/XX/XXXX, 38 days later, my account is still reporting as open with a balance of {$9200.00} on my XXXX and XXXX credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-09
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Companies failed to provide an accounting ledger and sign disclosures by law

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