BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XX/XX/XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : Account Name : [ XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT LATE PAYMENTS WANTED REMOVED. ] YOU ARE REPORTING THIS COLLECTION AS AN OPEN ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2020-06-13
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I want to open a complaint against Elan Financial Services which is located your state. About three months ago it appears XXXX Credit Card went from Visa to Master Card. As it happens, I had set up auto-pay on my account to handle payments. Lo and behold, Elan Financial took over payments processing unbeknownst to me and it appears my auto-pay process was nonexistent. Now, to add insult to injury they called me after the 30 days but not before and they reported the late payment to the credit bureau. I have a stellar payment history with XXXX credit card and these people are known for this type of behavior. I was told that I needed to dispute their reporting of past 30 day due with the credit bureau myself and that they would not guarantee that Elan Financial would side in my favor, despite the fact that in the migration the autopay did not migrate. I was also charged several late fees and which some were removed but not all of them. Also, when I asked why I was not called on the phone and XXXX said that they would not call. However, they waited past 30 to call, coincidence probably not. XXXX said they initial send email and post mail, now when I check my emails under XXXX correspondence, I did not have any emails. Then, XXXX said that it might be under a different email, so I need to know that as well. It is my opinion and based on their reviews that Elan Financial is the business of destroying customer credit and charging late fees.

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 2022-08-17
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX XXXX to XXXX XXXX, XX/XX/XXXX, I have acquired multiple hard inquiries on my credit report that I did not authorize. Under the fair credit act section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : If you have no written signature from myself, please remove these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: American Financial Network Inc.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a XXXX bank statement through American Financial Services and broker out through XXXX XXXX XXXX .The loan officer just told me on XXXX XXXX after everything is good and under contract that XXXX XXXX not going to do the loan due to 5.75 interest. He wanted to sign a contract under his company American Financial Services and do it for 3 percent interest .But I'm buying it per loan officer says. I contacted XXXX  and my loan is still active. He lied to me. I have email the his supervisor and contacted CEO of this company. Waiting on answers .I also contacted XXXX XXXX management and waiting on answers. This has been a nightmare to me and my fiance. I will persue legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: The Bureaus, Inc.
State: PR
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:
The Bureaus, Inc. appear in my credit report as a debt collector of a debt that I dont have.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: TrueAccord Corp.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2023 i have recieved another email and another phone call from the company true accord in attempts to collect a debt that is no longer being handled by the company. This account does not belong to me. I am a victim of identity theft and fraud. I have tried to dispute this matter with no results only attempts to still collect. This company is in violation please investigate promptly. There also were several attempts to collects different amounts of this debt. See attachments, dates, and amounts listed on emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: Exeter Finance Corp.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
15 U.S. Code 1605 - Determination of finance charge States that I should not be paying a down payment for a car loan. In my case during Covid Exeter Finance had us trade in our car for {$500.00} and also had us put {$500.00} in cash down. We also couldnt get the vehicle off the lot without car insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I made a payment of {$2500.00} to Freedom Mortgage on their online website. I processed the payment and it stated " thank you for your payment. '' i did not print the page out because I was having printer errors.I assumed the payment processed and would withdrawal from my bank account within a few days like it always does. On XX/XX/XXXX, I noticed the payment still had not come out of my bank so I called Freedom immediately. I explained what happened and asked them to look for the payment. They stated they did not see any payment on XX/XX/XXXX. I asked them to research and explained I made the payment on XX/XX/XXXX. In the interim, I made another payment. I also asked them to note my account so it would not go on my credit. ( this was not my fault ). I phone back a few days later after learning that 1 other payment for XXXX  did not go through as well. i advised them it had to be an issue on either Freedom side or the bank. They advised I contacted the bank. I did contact the bank and they said it was on Freedom side. Again I called back to Freedom, made another payment and advised what the bank said. At this point I am frustrated. Neither will accept fault. In the meantime on XX/XX/XXXX, Freedom reported to my credit and my husband ( XXXX XXXX ) credit that we were 30 days late. Today, XX/XX/XXXX I called XXXX XXXX back and they said it was a transmission error between Freedom and XXXX XXXX. They provided my with a note on a XXXX XXXX document state this. I have submitted it to all parties, Freedom and credit bureaus. This was not my fault. This negative reporting affects our business and our federal certifications. We need this reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-28
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Account ending in XXXX. On XX/XX/2023, I requested a credit balance refund of {$5000.00}. According to Amex, a check was mailed to me on the same day. Its been more than 3 weeks and I still haven't received the check. I contacted customer service to void the check and issue another one. My request was denied. I received a secured message on XX/XX/2023, saying that they cant issue a credit balance refund as my account is under review. However, I neither received the check nor was the credit re-deposited to my account. I don't know where my money is exactly at this point. Ive been trying to get a credit balance refund from Amex since XX/XX/2023 without success. Under 12 CFR 1026.11, Amex is required to refund any part of the remaining credit balance within 7 business days from receipt of a written request from the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
BB & T closed my account and told me on XX/XX/2020 that a check was timestamped and sent out to me at my address on file. 
They told me to wait 7-10 business days and it never arrived. I called them to ask them 3 times to trace the check and instead of tracing it, like most banks would, they told me they would call me back 3 times. The check never arrived.

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 2022-10-05
Company: LAND HOME FINANCIAL SERVICES
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Our mortgage with Land Home Financial Services has been in forbearance/loss mitigation since XX/XX/XXXX due to hardships caused by the COVID-19 pandemic. On XX/XX/XXXX we applied for the XXXX XXXX program and were approved for the government assistance funding on XX/XX/XXXX. Since that date the XXXX program has tried reaching out to Land Home Financial Services by sending them requests for information on three separate dates. From what I was told from XXXX  those dates are XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They also tried sending out an email on XX/XX/XXXX in hopes of getting in contact with someone. XXXX has not heard back from XXXX XXXX XXXX  from any of these attempts. XXXX is simply requesting the information and documentation they need in order to be able to transfer the funds we were approved for in order for us to get out of loss mitigation and back to current with our account. We have made XXXX XXXX aware on multiple occasions that we will not be signing any modification paperwork because if we do we are not longer eligible for this assistance that we are already approved for and very much need. We have been in constant contact with the XXXX program as well as call the Loss Mitigation department at XXXX XXXX. However, every time I reach out to find out why they have not yet responded to the requests I am given a different answer. The most recent two times I've spoke with them they have told me that they have no record of us being approved for XXXX or that XXXX has tried reaching out to them. However, all phone calls previous to this I was told something different. At one point I was told they were just short staffed and will get to it when they can. I spoke to XXXX XXXX on Friday, XX/XX/XXXX and asked them to speak with a supervisor. They informed me they were unable to transfer me to a supervisor and the only way to speak with one was to have them call me back within 3 business days. I told them that my next step was to submit a complaint to the Consumer Financial Protection Bureau if I did not hear back as I have not many times before. It has now been 4 business days since being told I would hear back from a supervisor and have yet again not heard anything. I feel as though we are being lied to and that Land Home Financial Services is trying to have some sort of financial gain from our hardship or choosing not to respond to these attempts at funds being offered to them in hopes that we will give up and they can either foreclose OUR home or make money off of interest in a modification. These are all 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 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently reviewed my credit report and I noticed I have several items on my credit profile. These accounts are 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 2023-05-28
Company: GOLDMAN SACHS BANK USA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I utilized a 0 % offer from Apple to purchase my son a laptop for college. The installment plan was managed by Goldman Sachs through Apple Card. The transaction confirmation and receipt was sent to the email address I requested to use for this purchase ( at purchase, they asked for an email address ). But the bill was sent to an email address I don't use ( an old email address I used when signing up with Apple/Apple ID. ) I did not receive the bill for several months. Once I found out about it, I immediately made the account current.

-- Goldman Sachs, through Apple Card, reported a missed payment to the credit bureaus despite the fact that they did not properly send the bill to me.

-- Once paid, it took 3 months for Goldman Sachs to report to the credit bureaus that the payment had been made.

-- My credit score plummeted 80 points as a result of this. It has not recovered.

-- I attempted to resolve it through a dispute with the credit reporting agency and by contacting Goldman directly. Goldman refuses to resolve it.

-- In sum, Goldman makes errors with impunity ( 3 months to report payment ), while I am penalized for not paying a bill I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
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: Their investigation did not fix an error on your report

Complaint:
Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. Please delete the accounts, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have nearly {$200000.00} in federal student loans from my medical school education. My loan servicer was initially XXXX. I started repayment in 2014 after graduation from medical school. 

When my loan servicer was changed to Mohela, my repayment history ( 7-8 years! ) from XXXX was not carried over. 

Ive called and messaged Mohela repeatedly regarding this- they've sent me documents via email and USPS that they say are my repayment history but are very clearly NOT my loan documents ( ie another customers name on the document, the date of repayment before 2014, loan total amount {$7000.00} ). 

No one can seem to track down my repayment history. As I am now nearing PSLF ( I qualify! ) it is critical that my repayment history is accurate and accounted for in Mohela- we are talking about a nearly XXXX XXXX  mistake if not! 

I have planned my career around PSLF- taking jobs at public university to ensure my eligibility for loan forgiveness, rather than taking potentially more lucrative work in private practice.

This must be corrected, and urgently. Mohela has been of absolutely no help.

I've attached a document sent to me that is NOT my loan repayment history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items 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 non-monetary relief
Consumer complaint received 2023-05-28
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I discontinued services and closed my account with XXXX  on XX/XX/XXXX. I received an email confirmation from XXXX on XX/XX/XXXX confirming that they received my request to cancel services. My last payment in the amount of {$170.00} was made on XX/XX/XXXX which brought my balance to {$0.00} owed. 

I called XXXX customer service on XX/XX/XXXX to confirm that my services had been, in fact, canceled and to ensure my account balance was still {$0.00}. The customer service agent said there must have been a mix up at XXXX as it was still showing that the account was open on her end. The support agent " canceled the service again '', gave me a cancellation # and confirmed my account was showing a credit of {$220.00}. 

On XX/XX/XXXX at XXXX I went to my local XXXX  store to return my equipment. My customer support sales person was XXXX XXXX. He opened my account details and it was still showing that my account was NOT canceled! Because I had the supporting documents that showed I had canceled my services on XX/XX/XXXX, XXXX was able to backdate the account to reflect the cancellation date of XX/XX/XXXX. He took my equipment to send back to XXXX, printed out my receipt and made copies of the shipping labels and advised me to " keep copies of the receipt and shipping labels as XXXX has a tendency to claim they did not receive the equipment ''. I have all receipts, labels, and correspondence on file. 

I thought everything was fine and issue was resolved until I received my first notice of debt collection on XX/XX/XXXX for {$180.00} from XXXX XXXX on behalf of XXXX. I immediately disputed the claim in writing and sent copies and supporting documents to XXXX XXXX, XXXX, XXXX, XXXX, and XXXX on XX/XX/XXXX. 

I didn't not receive any response back and again assumed issue was resloved. 

I just received a second debt collection notice from a different company, Convergent Outsourcing Inc, on behalf of XXXX for the amount of {$180.00} on XX/XX/XXXX. I have written to Convergent, again disputing the claim and asking for proof of what debt XXXX  claims I still owe.

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