BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: MOHELA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to my to being deemed 100 % permanent and total XXXX by the XXXX, I received a XXXX XXXX  for my federal student loans administered by Mohela more than 3 months ago. I am currently homeless and attempting to raise my credit score enough to qualify for a VA home loan. My credit report still shows that I owe more than {$110000.00} for my student loans, so I filed a dispute with all three credit reporting agencies, only to have the debts confirmed. Please assist me in ending my homelessness by admonishing Mohela for this egregious, negligent, willful misconduct. 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 2023-03-21
Company: SANTANDER HOLDINGS USA, 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:
Santander consumer reported late payments to the credit reporting agencies and my score dropped XXXX points I have a car loan which was on autopay since purchasing the vehicle. I have laid ontime and paid more than the note each month I relocated and contacted Santander to update my address and change bank accts. The mgr was excessively rude to me. This was XX/XX/2022. In XXXX I was updating my budget and realized Santander had stopped taking funds out of my bank acct, reported my to credit agency. I immediately contacted Santander to find out what happened. I was notified I owed over {$3000.00} and they could remove the {$39.00} dollar late fee. I asked why was t I contacted the rep said I was phoned but no message was left, the mgr said I wasnt phoned, the rep from exec offices said I wasnt phoned because I was placed on a do not contact list. I asked who put me on that list and why wasnt a letter sent if that was the case. I asked why three different explanations. The rep said she would review the initial call from XXXX and speak with the mgr who was rude.she also said she would ensil a letter that had recently been sent out to me I never received the email and phone back to Santander a few days later. I spoke with another rep from exec office. He said it was not Santanders fault that the auto billing was ceased and he directed me to dispute it on my credit report. He said he would email my payment history to prove I had never missed a payment. I disputed and the only change was showing two 30 day late payments were previously it showed one thirty day late This was Santanders fault and my credit is suffering Once I found out I immediately made three separate payments in XXXX and another in XXXX I need some assistance to get this off of my credit reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying XXXXm using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 non-monetary relief
Consumer complaint received 2023-03-21
Company: LEXISNEXIS
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:
My current credit report has a listing and or listings in which has not been validated by your company per request per the FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. 


The Bankruptcy Court has mailed me letters which states that they DO NOT provide any information to credit reporting agencies, nor do they ever validate and or confirm public records. It is the credit reporting agencies. and/or other third-party providers who collects information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. District Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 


My request to the U. S. District Courts confirmed LexisNexis has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer. and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number, date of birth, and/or address to be PERMANENTLY DELETED from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: ERC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX sent a {$110.00} bill directly to ERC collections without sending me a bill in XXXX 2022. I contacted XXXX and completed a chat with a representative who stated my account was never past due and confirmed I did not owe anything. I never missed a payment to XXXX or any company in my life. 

Due to this scam of a claim my credit score dropped over XXXX points. Today I filed a dispute against Enhanced Recovery Collections through XXXX. The item was deleted from my XXXX credit report. I messaged XXXX via XXXX this morning. XXXX has yet to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: EQUIFAX, INC.
State: OH
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 asked the credit bureaus to do a verification of everything on my credit report and they said they did, they stated everything was accurate. I did a thorough research myself and found improper inaccuracies on the credit report even after they did the thorough research. 


XXXX. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

XXXX. Account name : XXXX XXXX XXXXXXXX Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the fair credit reporting act convergent 1. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX. **This account showed closed on XX/XX/XXXX on my XXXX Credit report, and as of XXXX is back on my credit report showing open. ** I will include screenshot of this evidence. 

2. Account name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$9000.00} Data Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$2100.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX has violated my rights 15 U.S.C 1681 section 602A. states I have the right to privacy 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX XXXX, my work check was illegally stolen from bank of America, I was told it was for a account that closed a year ago, however I paid all arrears, even had two deposits totalling XXXX XXXX XXXX, then XXXX, XXXX XXXX, get nothing ever taken out. I was never alerted to owning anything on this account on the calls placed XX/XX/2023 no banker saw anything owed. I'm XXXX XXXX IN THE UNITED STATES AND XXXX. I received my work check through direct deposit and XXXX was stolen without warning from BofA. I went to the Branch in XXXX and spoke to XXXX XXXX who stated the money would be returned with 3 to 5 business days, he then stated no letter was ever sent out then he illegally generated a letter as we see it shows populated on XX/XX/2023. Deceptive banking practices. XXXX also XXXX XXXX XXXX XXXX XXXX advisor. Pull under FOIA his computer activity as you will see he promised me a refund due to never contacting me or making any payment arrangements.

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 2023-03-21
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:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: VW Credit
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed my Volkswagen a few years ago in XXXX XXXX. I moved to XXXX  state in XX/XX/2023 and the law requires me to register my car within thirty days. The DMV in XXXX  told me I'd need a copy of my title in order to register the vehicle, so I called my lienholder, VW Credit, on XX/XX/2023. I was told that my title was electronic and would take 15-20 days to process. On XX/XX/XXXX, I called for an update and was told that my request was still in process. My South Carolina registration had just expired at this point, and I was beginning to worry. My apartment complex does not allow unregistered cars, and I was accruing taxes and late penalties with XXXX  state. I also have not been able to drive anywhere, which is a huge inconvenience in the 21st century. 

I had a bad feeling about having the same exact script repeated each time I called. I called back to follow up again on XX/XX/XXXX, XXXX, and XX/XX/XXXX, only to be told the same thing each time. One representative said they put an " expedite '' on my request, but so far that has yielded nothing. 

Today is XX/XX/2023, and it has been seventy days since I first requested my title.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-21
Company: Commonwealth Financial Systems, 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: Account information incorrect

Complaint:
They keep reporting to the credit bureau but I do not owe that amount that is shown its over XXXX, my names are also incorrect on my credit report. Multiple closed accounts that need to be removed off of my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I paid off this car XX/XX/2022. 
They told me that title sent to me, but i never received the title. 
So I was speak with XXXX who is supervisor in customer service dept. 
They gave me 2 options for my re-issue title.

first one is that I need to send the duplicate title request via only mail.

I sent the mail to right address they provide me, but they said didn't received.

So I was trying to follow second option for get a lien release document to bring local DMV, but they didn't accept that letter to issue the title.

Hyundai Motors finance told me that I need to sent them payable check for duplicate title fee with trackable mail, they not gon na pay for it. Is this my responsibility?

They took my money, but the car is still their own and their customer service is too lazy and slow.

Hyundai motors finance is 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 2023-03-20
Company: EQUIFAX, INC.
State: NJ
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:
N accordance with the Fair Credit Reporting act XXXX Account # XXXX from XXXX utilities has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : 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 explanation
Consumer complaint received 2023-03-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hurricane Ian claim # XXXX  XXXX / Policy # XXXX The mortgage company, Wells Fargo, is holding my insurance payment from XXXX in Escrow and will not release enough to even start the new roof process, They know what has happened down here and the roofing companies are charging high prices and want a large deposit up front. We also have to replace soffit and gutters. We have been a great customer of theirs for over 15 years and have always been on time, in fact it is on auto pay. 

Wells Fargo XXXX # XXXX property address : XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2023-07-29
Company: Experian Information Solutions Inc.
State: AR
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 submitting this complaint myself and there is no third party involved. These items were inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to Three Credit Bureaus but they failed to give me any results or feedback about this concern, Please help me investigate these items properly and remove them from my personal credit file : 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 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 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 explanation
Consumer complaint received 2023-03-20
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I checked my mortgage account with Mr. Cooper and saw that my mortgage had gone up and my escrow balance was in the negative. They force purchased insurance on my behalf even though I pay for my own home insurance out of pocket annually. 

At no point did Mr. Cooper call me, email me, send me a letter, or an email informing me that they seem to have misplaced my insurance information and need me to submit it. They just force purchased super expensive insurance, billed me for it, and hoped I wouldnt notice. 

I have reached out via phone and can not get ahold of a human being to insure these charges are reversed. I can submit my updated mortgage info, but there isnt any assurance that I will be refunded the money they stole, only that eventually I will stop being billed for the insurance they took out.

Company response to consumer: Closed with explanation