BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I noticed that several items in my report are incomplete and not accurate. I sent a letter to XXXX on XX/XX/2023 and asked them to investigate the completeness and accuracy. The results I received did not fix the inaccuracies. They are in violation of federal law : According to 15 USC 1681e ( b ) it states this : Accuracy of report. 
Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it stats this : Treatment of inaccurate or unverifiable information : ( A ) In general if after any reinvestigation under paragraph 1 of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the reinvestigation, and promptly notify the furnisher of that information that the information has been modified. 
According to 15 USC 1681 ( s ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation : and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

According to 15 USC 1681s-2 it states this : ( A ) Reporting information with actual knowledge of errors, A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( I ) the person has been notifed by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate. 
This is unfair treatment. Please fix.

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 2023-11-30
Company: Exeter Finance Corp.
State: VA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am requesting proof that a check was sent in my name to XXXX XXXX, please provide me with proof that I actually owe a debt, you are reporting incorrect information on my credit reports! Please remove until investigation has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope this letter finds you well. I am writing to address a matter of concern regarding my credit account. I recently discovered that there have been late payments reported on my account, and I would like to request the removal of these late payment entries from my credit report. I want to emphasize that these late payments were not a result of negligence but rather a temporary setback that I have since overcome. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts were NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact me or their customer service. I kindly request that you investigate this matter and, if appropriate, submit a request to the credit bureaus to remove the late payment entries from my credit report. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: In progress
Consumer complaint received 2023-06-27
Company: Velocity Portfolio Group
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:
Upon receiving my credit report I noticed some accounts that I didn't recognized and I made a police report and notified the companies. I asked via XXXX on several occasions requesting validation of the debt that shows that I am indeed the correct person that opened the accounts. I have not received anything that I've requested. I know my rights and this is a direct violation of the FDCPA Guidelines. I want the items validated or removed immediately as this is causing me distress and it is interfering with my life goals to obtain a home for my daughter and I. 

Before contacting an attorney for legal advise I wanted to contact your agency for guidance.

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 2023-04-08
Company: Netspend Corporation
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Missing money, money disappears, inability to login, no transaction history of lost money, failure to merge accounts, emailed company, company responds call us, phone calls go to foreign operatives

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 2021-10-19
Company: AMERISAVE MORTGAGE CORPORATION
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We contacted AmeriSave in XXXX about refinancing our 1st and 2nd mortgages. We informed them that we had filed a Chapter XXXX bankruptcy and were nearing the end of our 3 year term. Our loan originator, XXXX XXXX, told us that we would need to wait until we received the discharge from the bankruptcy court before she could proceed with the FHA loan application. We received the discharge XX/XX/XXXX and were notified on XX/XX/XXXX, at which time we paid the {$500.00} application fee and proceeded with the loan. At that time, our application was then forwarded to the Sr Processor, XXXX XXXX. We encountered several preventable delays, i.e., the title search took two weeks and when I asked XXXX XXXX the reason for the delay, she informed me that AmeriSave generally gives the title company 10 days to complete the title search. After 12 days ( XX/XX/XXXX ) I contacted the title company directly and was informed that they had not even begun the title search because they could not find the property. I immediately gave them the parcel number and the property description and they were able to complete the title search ( XX/XX/XXXX ). We became increasingly frustrated with XXXX and complained to her supervisor, XXXX XXXX. XX/XX/XXXX XXXX XXXX told us that the underwriter would not accept the loan payment history that was provided by the mortgage company so we provided XXXX XXXX with monthly statements. It was also then that we were first notified that we needed to get a letter from the bankruptcy court giving us permission to enter into the loan. We contacted the bankruptcy court and were informed that the case was closed. Because of AmeriSaves inactions, we have now been placed in a situation where we are unable to get any kind of financing for 12 months. Any company that engages in FHA mortgages should have known the requirements, i.e., we should have been allowed to begin the process prior to being discharged, and we should have been told about FHA requirements in the beginning.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Rock Solid Funding, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I tried to check with Rock Solid Funding LLC to see if I can take with someone from their agency to get a loan for an RV and they ran my credit twice without my approval

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions 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 submitted a letter to the XXXX Credit Bureaus to discard this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. I need these accounts removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-30
Company: Rocket Mortgage, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I been sending in my XXXX XXXX XXXX XXXX XXXX  and they keep saying the don't accept the form of payment legal tender only but according to ucc conversion of a negotiable instrument is legal tender. Because we don't use gold or silver .ucc 3-104-negotiable instrumen ucc 3-603-tender of payment ucc 3-419 conversion of instrument they never returned my originals so i take that as being paid on a forged endorsement. And i sent this to them every month so I'm not in default or behind on my payments.

HJR-192 this is also a 1099-c on they file i also sent in a RESPA REQUEST, DEBT VALIDATION and they refuse to honor my request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score went from the low XXXX 's to XXXX for now apparent reason. I tried to call all three agency and got a complete run around they tried to sell me their credit reports and wouldnt tell me why my credit dropped I told XXXX I asked them about the free credit report because of the covid situation. before they agreed to sent me one Equifax and XXXX gave me a total run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: GA
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Confusing or missing disclosures

Complaint:
I ask XXXX and Equifax for a copy of my XXXX Form for all debts that was charge-off on my credit report. I was informed by the IRS, if a creditor has written off your debt, you may receive the XXXX form. You must claim this amount as income on your taxes because I never given these companies permission to have these accounts furnished on my credit report. The companies can no longer try to retrieve that debt, its violation!! The companies can not charge off the debt and try retrieve the debt or sell the debt. Section 166 of the Internal Revenue Code requires such declarations to support tax deductions for bad debts. A financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or have provided to the consumer a notice that complies with section 6803 of this title. Such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never receive anything that I requested from XXXX and Equifax. 
XXXX XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX XXXX XXXX- Account # XXXX All these accounts is CHARGE-OFF with a balance and that is a violation, plus never got my permission. I demand to see verified proof ( original consumer contract with my signature on it ) They failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verified proof, you must remove the account listed above. I demand that the following accounts be verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX. XXXX, 2021 - XXXX XXXX 

XXXX XXXX, 2021 - 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 2023-02-06
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX XXXX XXXX XXXXXXXX, Account name : XXXX  XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX, ACCOUNT # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT # XXXX, Account name : XXXX XXXX XXXX  # XXXX name : XXXX XXXX XXXX XXXX, ACCOUNT # XXXX 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 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 Any other adverse item 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 has reasonable cause to believe that 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 non-monetary relief
Consumer complaint received 2022-11-26
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX  XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 2021-10-19
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Chime Bank is a disaster. I have pursued a dispute with the company and opened the dispute within a timely manner. Regardless of sending Chime proof, they closed my case NOT in my favor. Chime Bank sent me emails ( which I have inlcuded ) that stated that there WERE errors on the account and that I would be permanently credited for my disputed transactions ( paying via other means ). I sent a detailed document from my XXXX bank account PROVING PAID BY OTHER MEANS. Recently received email from CHIME denying me my dispute ( regardless of stating the dispute was in my favor ). The reasoning/Chime 's proof was UNINTELLIGIBLE. they sent a practically UNREADABLE document that displays a transaction in a general manner, without OFFICIAL LETTERHEAD. There is NO Proof supplied by Chime/Merchant that would make their proof more legitimate than MINE. I have the proof, chime stated it was NOT in my favor because of an unofficial document THAT PROVES NOTHING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: MARINER FINANCE, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Mariner Finance is relentlessly contacting me via phone calls.They call sometimes multiple times a day as often as 6 days a week. I have explained my financial situation to the company multiple times. I do not dispute the validity of the debt at all. However, being haraased continuously is not going to make me be able to pay them any faster without the funds to do so. I even attempted to block them from calling my cell phone. This was to no avail as they are still able to call from the blocked number repeatedly and leave repeated voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: EQUIFAX, INC.
State: NY
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 reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: WELLS FARGO & COMPANY
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I had a vehicle loan thru Wells Fargo. They accused me of not making payments and repossessed the vehicle. I got vehicle in XXXX XXXX I believe and u had it for 2 years

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 2022-02-26
Company: Experian Information Solutions Inc.
State: UT
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:
1. XXXX XXXX XXXX was paid in full # XXXX. Still shows a balance due. 
2. XXXX XXXX # XXXX still reflects I " disputed '' the account which I NEVER DID. I sent written proof the account is in " forebearance '' but it was not acknowledged & this continues to be a problem. 
3. XXXXXXXX XXXX inquiry is officially outdated as of XX/XX/XXXX. 
4. XXXX XXXX XXXX XXXX inquiry dated XX/XX/XXXX - the XXXX sent a letter to Experian on XX/XX/XXXX to remove it which stated it was " an error '' on their part. They also sent electronic correction for it to Experian. The item remains on my credit as of XX/XX/XXXX. I called the XXXX today to report the issue as unresolved. They're contacting the credit reporting dept. who made the error on Monday to get it resolved too.

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