BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted a completed application for the XXXX repayment plan on XX/XX/2023. By XX/XX/2023, Nelnet had still not approved the application, citing high application volumes. However, my loans started accruing interest that that time. XXXX days later on XX/XX/2023 the interest has accrued to {$950.00}. 
Nelnet emailed me on XX/XX/2023 to inform me that my loans had been placed in forebearance while they reviewed my XXXX application. However, interest will continue to accrue while they wait to review the application! The email stated : During your forbearance, interest accrues on your outstanding principal balance. Youre responsible for the interest, but you have XXXX options : XXXX. Pay the accrued interest before your forbearance ends, or XXXX. Make no payments during the forbearance. The payment ( s ) made following the end of your forbearance will be applied to any unpaid accrued interest and then to your outstanding principal balance. 
Interest should not accrue beyond the principal balance once my XXXX application is accepted. By delaying the acceptance of my application, Nelnet is significantly increasing the amount for which I will ultilametly be responsible for repaying. I submitted the application with over XXXX months for them to approve it. High volumes should not be an excuse, or a way for them to charge me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: ALLY FINANCIAL INC.
State: FL
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:
My vehicle was stolen in XX/XX/XXXX in XXXX. About a month after I left for XXXX on a government contract in XX/XX/XXXX. I had a dispute with the insurance company, XXXX, over an inspection that was suddenly required after I called to update my address in XXXX, after I already was in Texas preparing to deploy. 

Turns out by the time the vehicle was taken, the coverage was dropped without my knowledge in the form of notice and the claim was denied. I notified the lender of the insurance claim as well and I continued making payments every month with auto pay. 

Fast forward to XX/XX/XXXX, and the vehicle was recovered by local law enforcement. I was still away, so my father was notified and then told me to call the local impound, sunshine towing. where they told me either I had to fly back personally and retrieve it or release it to my insurance. Which I did not have since the car was stolen ; the insurer later dropped me. 

A family friend in the insurance industry told me to make a complaint to the state and see if they can help. I did not want to risk a lien on my account. Florida investigated, then later found in my favor that an inspection was not required and that XXXX had to honor the claim. I was emailed this notice in XX/XX/XXXX. ( I have the emails and memo XXXX My lender, ALLY Financial, took payment from me in XXXX and XX/XX/XXXX. I have the bank statements to show for it. They later claimed I was delinquent and sent a threatening letter to my mailing address instead of any other form of contact despite the fact I had called and updated them that the insurance claim was on going. 

According to Ally, because the vehicle was impounded, they had the right to call in the loan within 30 days dated back to XXXX when the vehicle was first recovered. Despite taking my payments and my dialogue with them about the insurance claim. 

They promptly canceled my XXXX payment and my installment plan. And later reported my account as a charge off just days after receiving a settlement check. 

I have a memo from XXXX laying out the timeline of the claim. Considering I had to hand sign documents and mail them from XXXX. I had no control over how long the paperwork and processing of a check took. 

I have disputed the charge off with each credit bureau showing the XXXX memo. I have asked ALLY Financial for an adjustment considering I hadnt missed a payment and I was overseas. They have ignored my pleas and insisted on their arbitrary company policy

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 2022-09-18
Company: EQUIFAX, INC.
State: GA
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 XXXX  name and account numbers : 1. ) XXXX XXXX # XXXX 2. ) XXXX XXXX XXXX # XXXX, XXXX ; XXXX 3. ) XXXX XXXX # XXXX, XXXX ; XXXX 4. ) XXXX # XXXX has violated my rights. 15 USC 1681 section 602 A, states that I have the right to privacy.

15 USC 1681, 604 A section 2, also states the consumer reporting agency can not furnish an account without your written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
at XXXX on Monday XX/XX/2021 I was contacted by a representative from Credit Corp Solutions. I told the gentleman I was not XXXX, he asked to verify XXXX 's b'day. I did. 
He then told me all the options XXXX had about resolving his debt. I am in no way on his debt nor is it any of my business. We are NOT yet married. This debt it none of my business. 
When informed of this he said he could tell me as I verified his b'day

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am filing this complaint because XXXX, Transunion, and XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed being that they have gone way pass the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( a ) of the FCRA- they are required to ... .. promptly delete all information which can not be verified that I have disputed. Please resolve this matter as soon as possible

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 2019-04-09
Company: Source Receivables Management LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wife and I are in the process of buying a home and when doing a credit check for a Mortgage we were denied. The representative then referred us to a credit advisor who told us much to our surprise that the biggest thing holding us back was a {$120.00} XXXX ( the cell phone co. ) bill now in collections. I say surprise because when we left XXXX in early 2017 we thought everything was settled, we even had verbal confirmation from one of their store reps that everything was up to date and good. This apparently was not the case. Not only did we have no idea of this debt, we did not receive any information from XXXX or a collections agency. Honestly if it wasnt for the advisor we probably would have never known how damaging this was to my credit. With all that being said I do want to make good on my debts. So I contacted XXXX and told them I want to get them off my credit report and to give me the figure to make them disappear, which was the amount said earlier. XXXX told me if payed in full that it would be deleted from my credit report. I was then told by XXXX to contact the collections agency handling this case. While discussing this issue with the collections rep I was told that it would not be deleted, that the best they could do is report the debt as been paid in full. Something about that just did sit well on my mind. So without paying I called my credit advisor to tell them this scenario. They said with us not even knowing about this debt, not receiving any information from collections, and the denial of deleting this from my credit report, to file a complaint and dispute this case. Which is where Im at now. I am willing to pay any and all debts I owe, but under these circumstances I dont believe this particular debt should be on my report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Resurgent Capital Services L.P.
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:
I have had account with a debt company that had a judgment that was paid in full and the XXXX  is still reporting as not paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
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: Account information incorrect

Complaint:
The XXXX is reporting that I was 90 days late in XX/XX/2019 and 120 days late in XX/XX/2019. This matter is incorrect. In XXXX of 2019, I recently completed my income-driven payment plan. The information reported should not be on my credit report. This was also during a time of medical hardship, I was diagnosed with XXXX Stenosis and had to have major XXXX. I qualified for the XXXX payment plan, and I was told that my account would be backdated and updated to current. That also included my payment history to the credit bureau. As you can see in the attached document, the reporting makes no sense. It goes from current to 90 days late, etc. I request that this payment history be updated to reflect a current payment history. 

I tried to contact the creditor with no success. My loan has been sold to another loan servicer and my request was disregarded. I tried to explain to the new loan servicer that this reporting of my payment history was incorrect and asked for it to be updated to reflect that it was current. They stated that they were unable to update this payment history because the debt belonged to XXXX at the time of reporting.

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 2023-07-10
Company: EQUIFAX, INC.
State: VA
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:
Recently, I began taking my credit more seriously and noticed a few items on my credit report that were reporting inaccurately. I have tried to contact Equifax to resolve those issue but no luck. I was faced financial hardship losing my job due to the pandemic layoff. The CARES Act, passed in XX/XX/2020, gave legal protection to consumers by providing loan forbearance. Under the act, consumers were given the option of not making payments on their loans without suffering any credit-related consequences, like late payments and delinquencies. Also, creditors must make accommodations for people having trouble making payments. But I was never contacted. Due to covid-19 forbearance program regulations it states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period. I have late payments on my report that I want to be removed because I am a victim of XXXX XXXX and legally you should not have put them there. The program regulations 15 USC 13 ( a ) states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX XXXX : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2023-03-14
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On XX/XX/2021 someone withdrew {$800.00} from my bank account. I took the steps I needed to take such as filing a claim with Bank of America and verifying my identification with EDD. My identity has been verified but for weeks Bank of America has not sent me any communication about my stolen funds. Since this incident, I have been put into debt because Bank of America does not give me the credit that is due to me. I have called the bank multiple times but they offer no help. They have frozen my account and I have not received my {$800.00} that was stolen from 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 monetary relief
Consumer complaint received 2023-05-14
Company: WELLS FARGO & COMPANY
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have been in communication with the Mortgage servicer regarding information recently discovered. 
There is an associated complaint, and it is not corrected. XXXX complaint id I have a copy of the credit report showing the lender reported to my credit bureau report that my note was paid in full on XX/XX/2008. Paid as agreed with 228 payments of {$980.00}. that totals approximately {$220000.00}, in 15 years, we paid note off early they reported the note as paid, and 2 years later they had attorneys evict us from the property. They lied on the answers on the previous report complaint and they have never answered my questions that I ask, they reword the questions and then answer what they want to answer. I paid off my note and they did not tell me, but the attorneys who evicted me from my home, had information, and evidentally Wells Fargo failed theyre duty in following thru. As you can see in the attached letters from them on the complaint, and on my questions, they stated, they sold the home again to someone. After reporting I paid off my note, even after that the banks attorneys were constantly defaulting us, they never answered theyre phone, or my calls, or questions, at the time we had no idea that we paid our home off early, but when we look at the ledger it all adds up. Some how, this happenned and it was not reported as a foreclosure, they know we paid it off, and in the letter they state, that the information they reported to the credit bureau was accurate, so why am I homeless. I am asking for the money I paid for that home to be returned to me with interest, and cant see a reason why, this is not a good reason to collect from them. Truth in lending disclosure which they are not mentioning anything with that, as they never even acknowledge that it is a final document and attached to the note. Furthermore how much do they think they should get for a {$75000.00} note, the truth in lending disclosure stated when we make all our payments in 30 years we would have given them XXXX, well we gave them {$220000.00} in 15 years and they stole our home, and never had to show proof of any ledger for the foreclosure, they have washed the ledgers and rewritten them several times, but we have the original, another thing is in theyre requests for a copy of the payment history internally with theyre company they request only until 2008, why is that, because it was paid off in 2008, and they reported it to the bureau, but then they say, what we reported is accurate, so with that how did they take my 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 2022-09-18
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
On Thursday XX/XX/XXXX and again on Wednesday XX/XX/XXXX I mailed XXXX letters through certified mail with return slips to XXXX, Equifax, and XXXX regarding several discrepancies I found on my credit reports. In the first round of letters, I asked them to fully validate the reported information and remove anything that they could not provide signed, original contracts for in correlation to the accounts in question within 30 days. No method of verification was revealed nor were any original contracts with my 'wet ' signature provided as proof of validation. 
In the second round of letters, I reiterated my requests made in the first letters and asked them to please DELETE anything that could not be fully verified and to include original signed contracts as well as a copy of my updated credit report. 
As of today, Sunday XX/XX/XXXX, these accounts still remain and have not been fully verified. 
I have reason to believe that multiple creditors are conducting illegal actions against me including reporting the same account more than once, reporting old debts as new, and reporting charge-offs before the 120-day delinquent mark.

Company response to consumer: Closed with explanation