BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights.

I have already disputed these items, but the bureaus, did not remove them, nor prove validation under sec. 609 of FCRA.

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 non-monetary relief
Consumer complaint received 2023-10-25
Company: EQUIFAX, INC.
State: AR
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 am writing to express my deep frustration and concern regarding the numerous unsuccessful attempts and numerous requests to remove fraudulent items from my credit report. Despite my persistent efforts, the fraudulent entries persist, causing significant distress and financial harm. 

I first discovered the fraudulent items on my credit report. Since then, I have consistently reported this issue to your agency and provided extensive documentation, including police reports, affidavits, and dispute letters, to substantiate my claims of identity theft and fraud. 

Despite my repeated attempts, I have encountered a lack of resolution and continued reporting of these fraudulent accounts on my credit file. The extended delay in addressing this issue has had severe repercussions on my financial stability and overall well-being. 

I kindly request the following actions be taken promptly : A comprehensive and thorough review of my credit file to verify the existence of the fraudulent accounts. 

A detailed investigation into the origins and validity of these accounts, which I assert are the result of identity theft. 

Immediate removal of these fraudulent items from my credit report. 

An explanation for the prolonged delay in resolving this matter and a clear outline of the steps being taken to expedite the correction process. 

Written confirmation of the actions taken to rectify this situation and a specific timeline for their completion. 

I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that credit reporting agencies promptly investigate and correct inaccurate or fraudulent information on consumers ' credit reports. I expect that your agency will adhere to these federal regulations and work diligently to resolve this matter to my satisfaction. I am asking for your assistance to remove the fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06
Company: EQUIFAX, INC.
State: MS
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 appreciate your assistance in REMOVING a piece of the data in my credit file that resulted from FRAUD, however, I have an item passed on that should be removed or banned. According to FCRA section 605, credit bureaus are required to delete any records found on an ID THEFT REPORT. I proactively remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: FORD MOTOR CREDIT CO.
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Due to covid 19 we did what we thought was the right thing to do, that was turn in vehicle a ford we could not continue to pay on. After this ford motor company hired XXXX XXXX XXXX XXXX to collect the amount they did not sell the vehicle for which they sold not at fair market value. I called the law frim to set up payments, they did not agree to payments. I sent a payment of {$500.00} dollars in an attemp to strat to pay some funds back. YET I did not here back from the law firm and the law firm took out a judgement against me. Now the same law frim as threatened to take out a Writ of Execution. IM a XXXX percent XXXX veteran and now only have that income from the federal Veterans Administration. I have no big bank account funds, i have no real property. I told the law firm company that I XXXX XXXX DOB : XX/XX/1955 would pay XXXX as i could to pay off the debt that should have been settled by the sell of the new vehicle. I have no funds for to hire a law frim to counter act all this hard ball actions from XXXX XXXX law firm, they have had several complaints against them in the past years, both in state and federal court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: U.S. BANCORP
State: TX
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:
When purchasing vehicle I used US bank, the dealership was having a 90 day no first payment special if you purchased a vehicle. They billed at day XXXX but never once sent a bill via mail, email etc. when calling to dispute the bank agent admitted to having the wrong information. Name was spelt wrong, e-mail was not the correct email and there was no address on file. After admitting their mistake they still refused to reverse the late payment on my account which is absolutely unacceptable. I have appealed this decision now 4 times and unfortunately will have to file complaints with lawyers or 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 2022-12-30
Company: Bread Financial Holdings, 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 information incorrect

Complaint:
My attached XXXX report of XX/XX/2022 shows 2 accounts which have inaccurate payment and other data as no data has been reported since XXXX and XX/XX/2022. Both accounts are CLOSED and I have made more than 6 monthly payments on each account after furnished stop reporting to XXXX. Both accounts are inaccurate as furnisher failed to report the accounts as CLOSED by Consumer. One account still is inaccurately reported as XXXX in willful violation of the FCRA. Since my credit report does not reflect at least 12 monthly payments since reporting was abandoned going back to XXXX, I dispute the data in my credit reports. XXXX and furnisher knew the data is incomplete and inaccurate but grossly failed to comply with the FCRA obligations and prohibitions by allowing inaccurate and stale data to remain and failing to mark the accounts as CLOSED By CONSUMER. Once a furnisher stops reporting, there is a presumption of inaccuracy and abandonment of a right to report and every CRA must automatically DELETE stale reporting files. My accounts must be Deleted and in the interim reported as Disputed and Closed by consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I pulled my credit report XX/XX/2020 and noticed that I have 2 accounts listed on my credit report that I never authorized any one to open on my behalf XXXX XXXX and XXXX XXXX. I have disputed multiple times and they are still reporting inaccurately.

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 2021-10-01
Company: EQUIFAX, INC.
State: CA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: MA
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 credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-30
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been a customer on Nation Star mortgage since somewhere around XX/XX/XXXX, after they had bought the loan from XXXX XXXXXXXX XXXX. XXXX XXXXXXXX XXXX reported that the account was not current, and I was a month behind. I spent many hours with Nation Star rep 's about bringing my account up to date. It was understood that I needed to pay an additional sum of {$940.00} to bring the account up to date. I made additional payments to Nation Star with separate checks, paying the {$940.00}. At that time my wife and I decided to enroll in the auto pay program to avoid any problems in the future. The account had been set up and we were paying on a schedule. After a while we stopped opening the monthly Nation Star mail. It just confirmed the payment made. This process continued for a five year period. We did not get any phone calls, nor emails concerning a problem with the account. InXX/XX/XXXX we received an envelope from a business titled " Mr Cooper ''. being unaware of any business titled " Mr Cooper '' we opened the envelope. We learned that Nation Star was now Mr. Cooper. We had been paying {$3700.00} electronically for five years. Now with this letter from " Mr Cooper '' our monthly payment was {$5000.00}? There was no explanation provided. The difference in the payment was {$1200.00} which was listed on the ( total fees and charges ) line of the statement. We called the next day and learned that the payment we made to bring the account current was never applied? They did not have any records showing the payment. One of the reps stated that the extra funds could have been applied towards your principle instead of towards the shortage in the account. I attempted to resolve the problem and called the Mr. Cooper office numerous times with no results. One call was placed to a rep identified as " XXXX '' XXXX. She suggested that I call her back tomorrow, and she would connect me to the office where they can negotiate a payoff. I called her several times over the next 3 days, and never got a response. One rep stated, " don't worry about it, you wont be asked to pay until you sell your house! '' This lending institution is NOT willing to help no matter how hard you try! They refused to provide me with their cooperate number and suggested that I write a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Mercedes Benz Financial Services
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Please also send complaint to Mercedes-Benz XXXX XXXX location XXXX XXXX XXXX XXXX XXXX, XXXX. 

I visited Mercedes-Benz XXXX XXXX location to make a Consumer Credit Transaction to extend my credit to them according to 15 U.S.C. 1605 Determination of Finance Charge. I asked were they in Truth in Lending Isa said yes, I then asked is there a finance charge he said yes. After completing the application, I was denied credit and I understand the factor but it's not a deciding factor. They gave me false and misleading information because they can't deny me an extension of my own credit according to 15 U.S.C. 1605. I spoke with the GM XXXX XXXX who was not familiar with the law with courtesy I explained it to him. He got upset because he did not want to agree with Mercedes-Benz Financial Services USA LLC who does the funding when they stated over the phone when I called them because XXXX told me the dealership doesn't approve or deny applications and according to MBFS USA LLC they stated they did. I have everything recorded of them of MBFS LLC stating they are to honor the law under Truth in Lending Act ( TILA ) and that I was correct GM XXXX stated MBFS USA LLC was lying, and they didn't know what they were talking about. I asked who is telling the truth MBFS USA LLC explained the entire process with GM XXXX listening, and he still denied following the law after being told to by the finance department. After the call I asked to speak with the finance manager XXXX XXXX later found out who he was after XXXX told me XXXX who sits next to XXXX XXXX that he was the director of finance in charge and gave me push back as well. When I proceeded to talk to XXXX, he was very un-professional and NOT a good representation of Mercedes Benz at all stating he didn't care if I filed a complaint as he stated. I then turned to XXXX XXXX and stated that he knew what I was referring to when I was talking with XXXX XXXX who stated they honored the law under TILA which is why XXXX XXXX made XXXX go and asked me to sit in the lobby XXXX stated he didn't care and that he wasn't selling me a car and to go. This experience has forever put a dent in Mercedes Benz reputation for me. My family is an honest loooooooooong time buyer of Mercedes, and this was not anything I have ever experienced in car buying. I remained humbled wasn't disrespectful even after the unfair treatment review your cameras. I have everything recorded and I told XXXX that he did not care. Some way to bring in a gift for your Birthday. 

In Conclusion, I'm submitting this complaint for a more comprehensive review. According to the Law I would like the credit decision to be reconsidered/honored and my credit be extended to your company for a more unbiased transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: PNC Bank N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I CLOSED A CREDIT CARD ACCOUNT WITH PNC DUE TO POTENTIAL FRAUD. I HAD PREVIOUSLY SCHEDULED A {$100.00} PAYMENT TO BE APPLIED ON THE DUE DATE. I WASN'T CREDITED AND I WAS CHARGED A {$27.00} LATE FEE. THIS IS WRONG!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-03
Company: Nelnet, Inc.
State: LA
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 entered a consumer credit transaction with US DEPT OF ED/GLELSI and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that US DEPT OF ED/GLELSI claim I owe. US DEPT OF ED/GLELSI has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
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: Investigation took more than 30 days

Complaint:
XX/XX/2022 I sent letters disputing incorrect and unfair items reporting on my credit and they havent followed their policies and resolved the issue Im a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: LFG Data Services Holdings, LP
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:
I am writing to express my dissatisfaction with the way in which this reporting agency have been handling consumer disputes and challenges. I believe that they have been sending out form letters in response to many of these submissions, regardless of the specific information that has been provided. This is a clear violation of the law, as each dispute and challenge must be addressed individually and on its own merits. 

Furthermore, I have reason to believe that the consumer reporting agency may be delaying the processing of letters from consumers based on the assumption that help from a third party may be available. This too is illegal, as there is no legal exception to allow for such delays. 

I would like to state for the record that I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. It is important to note that there is no law that requires a Power of Attorney in order to delay processing letters from a consumer urge you to take prompt and appropriate action to address the concerns raised in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: NATIONSTAR MORTGAGE LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation of complaint XXXX, since the servicer did NOT resolve the issue described in that complaint. The company 's response to that complaint included this : " We show that the account was setup on our Max Pre-pay Plan on XX/XX/XXXX. Please note that this allows for the additional funds to be allocated for payments, which is why the funds were being designated as unapplied funds until they were enough to satisfy a monthly payment. We understand that this is not what you were requesting and apologize that you were setup on this plan. We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. " Firstly, I never requested my account be set up on such a plan in the first place. During that XX/XX/XXXX call with a customer service rep, I was trying to resolve another payment issue in which my entire payment had been converted to purely interest curtailment ; the customer service rep told my my account had been set up incorrectly, and he could change it so that any additional amount I payed above the required minimum payment would automatically go towards principal curtailment. That sort of account alteration is what I agreed to. There was no mention of a plan named " Max Pre-pay Plan '', nor was the change he was going to be making described as any additional payment above the required minimum payment getting dumped into " Unapplied funds '' with no curtailment of principal. 

In addition, regarding the company 's statement that " We currently show that the account is no longer setup on this plan and should not have any further issue with the payment application. '' I submitted another payment XX/XX/XXXX in the amount of {$3200.00}, which included a monthly payment amount of {$2000.00} and an additional principal amount of {$1200.00}. The on-screen confirmation as well as the emailed confirmation accurately reflect my instructions for applying the payment, as described. Despite those confirmations, the company decided to not follow those instructions upon payment processing, instead treating the additional principal payment as " Unapplied funds '' which did not curtail the principal balance : Unapplied Funds XX/XX/XXXX {$1200.00} {$0.00} {$0.00} {$0.00} {$1200.00} {$340000.00} Monthly Payment XX/XX/XXXX {$2000.00} {$710.00} {$930.00} {$390.00} {$0.00} {$340000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 a credit card from XXXX XXXX XXXX XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX XXXX  XXXX XXXX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me two 30 days late. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, TransUnion, and XXXX XXXXXXXX XXXX XXXXXXXX XXXX with no successful resolution. XXXX XXXX and TransUnion reporting me 30 days late in XX/XX/XXXX and XX/XX/XXXX. There was an error on their part. I was never 30 days late twice.

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 2018-05-28
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My mortgage documents are showing an audit and voluntary repurchase agreement in XX/XX/2013 from XXXX. The servicing has been transferred 2 times since then.XXXX  does not acknowledge these documents. After demanding paperwork and making previous complaints, I just recently was told of their existence .I believe we have been defrauded by all the major banks who held this property.After I questioned Mr. Cooper they transferred me to XXXX XXXX  XXXX..As of XX/XX/XXXX the loan number is the same under XXXX XXXX XXXX XXXX XXXX and Mr Cooper

Company response to consumer: Closed with explanation