BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2018-09-12
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XX/XX/2018, I mailed my payment to XXXX XXXX XXXX at the XXXX XXXX   in XXXX, NC. 
At this time, my payment is not registered, no one referred me to the manager for assistance and to start an internal search for the money order of {$470.00}, my very first payment. Also, I demanded to speak to the manager or supervisor and left a voice mail message regarding the missing payment. No one has returned my phone call. I am positive that the payment is there with XXXX XXXX XXXX but has been misplaced or misappropriated on someone else 's account. I did not have a invoice stub, I simply placed the entire account number on the money order. The money order number is XXXX for {$470.00} dated XX/XX/XXXX. Also, this XXXX XXXX is not getting the gas mileage as the econo light keeps going on and off. The VIN is XXXX. While I am driving the check engine light comes on. This does not happen when I go to the service deparment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband and I refinanced our home through XXXX XXXX. Funding occurred on XX/XX/XXXX. Funds were wired to XXXX ( 1st mortgage ) and XXXX XXXX XXXX XXXX ( 2nd mortgage ) on XX/XX/XXXX. 

Despite the fact that I provided XXXX XXXX a copy of the letter that my loan with XXXX was being service transferred to Fay Servicing on XX/XX/XXXX, the funds to satisfy the loan were sent to XXXX  on XX/XX/XXXX. As of today, Fay Servicing has not received the funds and show the loan due for XX/XX/XXXX. 

I have been going back and forth with both lenders since XX/XX/XXXX with no resolution ( XXXX calls on XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, XX/XX/XXXX spoke with XXXX, who didn't even know her own phone number and also said she had escalated the call and that I should receive a call back in 2 hours. It has been 2 1/2 days ) ( Fay calls  XX/XX/XXXX XXXX, XX/XX/XXXX didn't write down the man 's name that I spoke with but he was RUDE, MEAN, VERBALLY ABUSIVE and hung up the phone on me, XX/XX/XXXX XXXX who wasn't much nicer but at least he didn't hangup on me, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX ). I have tried everything possible to get this situation resolved with numerous phone calls and hours on the phone. In fact the people at Fay have been VERY VERY MEAN to me. Both companies have caused me tears, anger and frustration Despite having proof of the wire that was sent to my previous lender XXXX, I have nothing that says the money was forwarded to Fay despite the fact that XXXX claims they mailed me a letter stating the same on XX/XX/XXXX. 

I have been verbally abused, brought tears, told that the matter has been escalated, promised calls and emails and here I sit filing a complaint because my loan still shows unpaid and due for XX/XX/XXXX. 

I need to know where my money is. Someone has it but absolutely no one wants to help me find it. And so help me XXXX, if my credit is ruined because of this, I will sue all three companies involved for negligence. 

I am already considering legal action for the pain and suffering that this whole situation has caused me. How can these companies remain in business when they treat their customers like this??? 

XXXX ( loan # XXXX ) and Fay Servicing ( loan # XXXX ) Please help me find my money. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
Contacted company to advise inquiries are unauthorized and to please remove. Company stated needed to send letter. I sent letter and company has not responded. Unauthorized inquiries are damaging to 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 explanation
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report. Your prompt attention and resolution to this issue are deeply appreciated.

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 2023-02-22
Company: Experian Information Solutions Inc.
State: IL
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 A VICTIM OF IDENTITY THEFT. I SENT COPIES OF MY OFFICIAL POLICE REPORT AND DISPUTE LETTERS OF THESE ACCOUNTS BY CERTIFIED MAIL SEVERAL TIMES TO THE CREDIT REPORTING AGENCIES, HOWEVER THE ACCOUNTS ARE STILL REPORTING WITH NO DELETION OF THESE FRAUDULENT ACCOUNTS. ACCORDING TO THE FAIR CREDIT REPORTING ACT I HAVE RIGHTS UNDER 15 USC 1681 THAT HAVE BEEN VIOLATED. THESE ACCOUNTS LISTED BELOW HAVE VIOLATED THE FOLLOWING LAWS LISTED BELOW 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 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 : states a consumer reporting agency can not furnish an account without my written instruction.

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, 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 or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ERC
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account on my credit report should be removed as soon as possible I did not authorize anybody to sign me up for this account this account is fraudulent activity if this doesnt get resolved as soon as possible I will use legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Im trying to reach Nelnet to manage my loan repayment plan since they are asking for a payment after the XXXX freeze. I need to work with them directly on this since I have an income driven repayment plan, and have XXXX income at the moment. 

However, I cant reach them and am currently on hold for XXXX and a half hours to no avail. This doesnt seem like proper business practices whatsoever. A quick search on XXXX showed me that this is a rampant problem, and once you do reach a representative, they supply inaccurate information that cause major problems down the line. 

Im sure this issue will continue to progress. Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
I have let credit bureas know that the information was not authorized and the have not removed these items from 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 explanation
Consumer complaint received 2023-02-22
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts to prevent further harm to my credit score. The following accounts need to investigate and correct for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I already sent the required file to the FEDERAL TRADE COMMISSION or https : //www.ftc.gov. please verify the accounts above

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 2023-02-22
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear, Credit Reporting Agency I am writing in regards to my account with your institution. On a previous occasion, I requested proof of 24 late payments that were reported to consumer reporting agencies, despite my assertion that I was never late on payments for this account. This request was made in accordance with my rights under the Fair Credit Reporting Act.

In response to this request, I received a response via the Consumer Financial Protection Bureau ( CFPB ) that did not provide the requested documentation to support the reported late payments. As such, I am demanding the immediate removal of all associated late payments from my account.

As I have previously stated, I have never been late on payments for this account, and I believe that these late payments have been reported in error. I trust that you will conduct a thorough investigation and promptly correct any inaccuracies in my credit report.

I would also like to request that you provide me with documentation showing the removal of the associated late payments from my credit report in accordance with 15 U.S. Code 1681i ( d ). It is my understanding that any person who has received a consumer report containing the deleted or disputed information within two years for employment purposes, or within six months for any other purpose, should be notified of the deletion.

Thank you for your prompt attention to this matter. I look forward to a prompt 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 explanation
Consumer complaint received 2023-05-23
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have disputed the late payment status reported on the accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX with the credit bureau for several attempts, to no avail.. They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home.

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 2023-02-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
ORIGINAL COMPLAINT CASE NUMBER ; XXXX Yesterday, I got an email from CFPB informing of the closure of my case, simply because WELLS FARGO could not find my mortgage number. They could not locate my mortgage by borrowers ' names. I was shocked. This is unacceptable. XXXX XXXX XXXX from WELLS FARGO called me that unless I give her my mortgage number, she could not do anything further. All other mortgage companies use the borrower 's name and social security number. Why can't WELLS FARGO? 
I found a credit report issued in XXXX with XXXX digit mortgage number, XXXX. 
The date opened was XXXX with another bank. Our mortgage was sold several times since then. 
My ex-husband was struggling to pay the mortgage in a timely manner since XXXX. Several foreclosure notices were issued. On XX/XX/XXXX, I had to pay {$30000.00} of late payments to get back to my regular schedule. Both my ex and I requested loan modification, but WELLS FARGO refused. Since my credit has been severely damaged by this, I sold the property via fire sale and paid off WELLS FARGO {$74000.00}. The actual mortgage we owe was only {$66000.00}. However, with exorbitant fees of late penalties, I was forced to pay almost {$8000.00} extra to get out of the contract. 
Hopefully, with XXXX digits of the mortgage number, WELLS FARGO can locate my history of mortgage and tell me why our request for a loan modification was flatly denied. It adversely affected both my ex and my financial situation afterward. 
It took several years for me to build my credit back up. 
Thanks for helping a XXXX lady.

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 2022-11-28
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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 explanation
Consumer complaint received 2018-10-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
CHASE BANK LETTER ( ATTACHED ) DATED XX/XX/XXXX. CHASE BANK HAS INTENTIONALLY DECEIVED, INTENTIONALLY MISLED AND INTENTIONALLY IS ENGAGED IN DECEPTIVE BUSINESS PRACTICES AS CONFIRMED IN THIS LETTER. THE ISSUE AT HAND IN THIS LETTER IS THAT CHASE CLAIMS A BALANCE DUE AND OR AN ACCOUNT IS OVERDRAWN. 

I HAVE ATTACHED 3 PIECES OF EVIDENCE FROM CHASE THAT CHALLENGE AND DISPROVE CHAS CLAIM : 1. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT AND ON XXXX/XXXX/XXXX CHASE PROCESSED A CREDIT DDA CHARGE-OFF FOR {$39.00} THERE WAS NO BILLING AND OR COLLECTION ATTEMPTS TO WARRANT A CHARGE-OFF, YET CHASE DID. BALANCE CLOSURE OF XXXX. 

2. A CHASE STATEMENT DATED XX/XX/XXXX THROUGH XX/XX/XXXX. IN THIS STATEMENT THE FINAL DIRECT DEPOSIT FROM THE UNITED STATES TREASURY WAS RECEIVED ON XX/XX/XXXX WITHDRAWN AND CLOSED ON XX/XX/XXXX. BALANCE CLOSURE OF XXXX. 

3.A CHASE BANK BRANCH RECEIPT DATED XX/XX/XXXX. THIS RECEIPT WAS GENERATED BY A TELLER AND SHOWS A BANK ACCOUNT BALANCE OF XXXX. 

4. CHASE PROCESSED A CHARGE-OFF WITHOUT THE LEGAL REQUIREMENTS TO PROCESS A CHARGE-OFF. 

5. CHASE BANK 45 DAYS AFTER ACCOUNT WAS CLOSED ON XX/XX/XXXX BILLED FOR A CHARGE-OFF, CLAIMING NOW IT WAS A BALANCE DUE. 

6. THIS IS AN ACCOUNTING AND TAX BENEFIT THAT CHASE RECEIVED QT 4 XXXX AND QT 1 XXXX A LOSS THEN REVENUE. A VIOLATION OF THE SEC RED FLAG RULES. 

7. CHASE MOST LIKELY CREATED THIS SCHEME TO DECEIVE AND CAUSE FOR CONSUMERS A CHARGE-OFF TO REPORT TO CREDIT REPORTING AGENCIES TO JUSTIFY A CLOSURE AND REPORTING. IT ALSO IS A RETALIATORY ACTION TO INTIMIDATE OR CONFOUND CONSUMERS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX XXXX XXXX to Green Tree Servicing last year. I have kept my account current without any issues. I received a letter in late XXXX stating that my escrow account was in the arrears and if I did n't pay the full amount by XXXX XXXX, 2015 my payment would increase. My loan did not have an escrow account when I was transferred to Green Tree nor did I request one when I was transferred. I called them immediately to find out how my escrow paid taxes that were not even due at the time of payment without my knowledge or consent and was informed I received an statement of escrow in XXXX ( Which I did not have any knowledge of ) and that because I did not respond they enacted an escrow on my behalf. It is my understanding under the current laws that if my loan did not have an escrow then it can not be forced into escrow when the service of the loan is transferred. I explained this to them and they agreed that this was done in error. They told me that they would request the county refund their payment and that once they received the money back they would close out my escrow. They even went as far as telling me that if the payment was sent to me to forward it on to them. I believed this was the end of it, unfortunately I was wrong. I received my monthly payment notice with an escrow payment attached in XXXX. I was informed that it was still being taken care of and that I should pay the amount of the escrow payment until they get it cleared up. I asked if they had even sent notice to the tax office and I was told no. After several phone calls I was told I was " misinformed '' that I would have to submit my request in writing for them to terminate my forced escrow that once I did this and paid the arrears they were remove the escrow. I received my XXXX bill the escrow was still their. I can pay the amount of the taxes but do not want them to misapply the funds so I am in a catch 22. I have to pay it to remove escrow, but they ca n't guarantee I am paying the arrears. I have also now been informed they have no wish to remove my forced escrow even through I gave them no reason to enact it in the first place. My taxes are not due in XXXX. It is my understanding the only way I can be forced into an escrow on an account without an escrow is if I am at risk for default. As I have always paid my own taxes at the same time every year and have never had a default against my property, I really do n't see how this is legal. I have explained this to them. Was told it would be cleared up and it has yet to be done and now over two months later I am being given the run around. I pay my payments, I pay my taxes their is no need for this. Also I have not been given any itemization of what they are taking out escrow on. Only that they paid my taxes before they were due and I must pay them on my statement. Please help me clear this up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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