BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion LLC, Failed to Properly Investigate Inquiries they Placed on MY Credit Report. And Then Deleted it When I Demand a Proper Investigation. Causing me to be Denied Credit To Buy My Equipment for my Business. DELETION IS ADMISSION. By Willfully Placing and Deleting Those Inaccurate and Erroneous Inquiries on myCredit Report. I am willing to settle your Civil Liability Damages that I have suffered as a Result of your Violation for {$1000.00} Each!!! Pursuant to FCRA 616 ( a ) ( 1 ) ( b ) 15 USC 1681 ( N ) Should you fail to Settle the matter by tendering Payment in the Amount of {$8000.00} Within 10 Ten Calendar Days Receipt of this Notice and Demand. I will seek Actual Damages Whicever is Greater than {$8000.00}. I will be Attaching the Denial Letters 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
Consumer complaint received 2020-03-26
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Dear Sir/madam : I am paying for a vehicle I bought in XXXX from Honda Financial Services. This is a XXXX XXXX XXXX and at the time I purchased the vehicle the price was {$15000.00}. After my trade-In value for my XXXX XXXX the total financing was still {$23000.00} ( for a XXXX ). The monthly installments are {$490.00}, which I have been paying until I became XXXX in XX/XX/XXXX and was put on Social Security XXXX as my income. 
I wrote to Honda Financial Services and requested that they decrease the payments because of my position, and they have totally ignored me. Please help me to resolve this situation by reviewing my contract for inconsistences, because I believe that there are some type of price gauching where this company is concern. In addition, I am unable to make that high installment in my connent situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07
Company: Lending Club Corp
State: DE
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:
My name is XXXX XXXX, I have been writing and sending certified letters to XXXX XXXX  XXXX in regards to two accounts ; the company is claiming there are two accounts that they claiming to be charged off in the amount {$2600.00} and the other is not reporting a balance. These accounts are negatively reporting on my credit reports. I previously disputed this account on two separate occasions. Not only that this company has yet to mark my credit report as disputed and I set out the first dispute letter XX/XX/XXXX. This is not my account, the debt collector 's has not been able to validate the account. The company responded to my first letter by sending out statements but nothing bearing my signature. They have yet to respond to me second letter sent certified mail XX/XX/XXXX. This account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I signed any legal document with my signature binding me to a contract with this company.The accounts in question # XXXX and # XXXX the whole account number is n't reported as well. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: CT
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:
I am reaching out to you today because I feel that XXXX, Experian, and XXXX  have violated the Fair Credit Reporting Act. I have been sending letters to the credit bureaus because I feel that I have someone elses information reporting on my credit report. I would have check more options if I was allowed to when I filled out this complaint form, The investigations did not resolve my issue, and then the credit bureaus stopped investigating my accounts. 
In XX/XX/2020, I was denied credit because due to a Chapter XXXX Bankruptcy. I thought this was odd, so I request a copy of my credit reports. Not only was a bankruptcy reporting, but several accounts that I have never seen before were on my credit report. There were even addresses listed under my profile for places that I have never lived at. 
It was recommended to me to contact the credit bureaus by mail, so I started to send letters to the credit bureaus. I started to make progress with the credit bureaus but then suddenly, they stopped responding to me. It is my understanding that the credit bureaus have 30 days to respond to my request. It has been well over 60 days and I have not received any responses. 
Since my rights have been violated under the Fair Credit Reporting Act, I ask that my credit reports are updated to reflect information that only belongs to me. Please see the attachments that show the accounts in question.

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 2023-01-07
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate 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 items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Maximus Education, LLC dba Aidvantage
State: TN
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:
According to the government, loans are supposed to be brought current and with no reporting of default or delinquency. You all are still reporting delinquencies from closed accounts from 7 years ago. I need these delinquencies off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Solar Mosaic LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I am writing a complaint about the finance company " Mosaic ''. This loan bank. This bank disbursed money to a company I contracted on XX/XX/XXXX to do solar and home improvement in my new home. The company name is " XXXX XXXX XXXX XXXX XXXX XXXX  '' and his CEO XXXX XXXX XXXX XXXX XXXX As of today XX/XX/XXXX the home improvement is not completed. I called Mosaic to ask about the money and see if it was already given to the company and they told me " yes, the money was given to the company already ''. 

XXXX XXXX XXXX XXXX XXXX office is closed, no one responded inquiries, no one contacted me for any details. I am paying a loan for a project I haven't seen. 

This financial company needs to be investigated, they shouldn't just hand out money to anyone without doing a proper research. I know about XXXX families that had the same situation happened with " Mosaic '' and " XXXX ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Home Loan Center, Inc.
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted an inquiry via Lending Tree with the intention of securing information about tapping into my home equity. When entered my information ( only my name, address, phone no and email address ), I was presented with several questions that didnt seem to align completely with all of my needs. I proceeded believing there would be an opportunity to speak with someone at a later date about a formal application process or have an opportunity to review rough loan estimates. I did receive a few estimates, but they were for short term loans as apposed to loans pertaining to a HELOC. Not once did I provide my social security number, salary information etc. for a formal financial profile review / application submission. I received two notifications from lending tree last night indicating that I hadnt met requirements for a loan, and that per my request that reached out to credit bureaus to obtain my credit profile information. I never have them permission to do so, and this will result in an additional inquiry. This company and its practices are deceptive, and its important that they fully do disclose their intentions via phone consultations. Its not legal to check someones credit without their permission- Im concerned about this matter, and it needs to be resolved right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: AC AutoPay LLC, Denver, CO Branch
State: UT
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:
XX/XX/2019 Complaint against : AutoPay XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : DISPUTE REQUEST : Unauthorized Hard Credit Inquiry On Tue, XX/XX/2019 at around XXXX XXXX XXXX, my credit was pulled by AutoPay without my permission. I did not authorize for them to submit an auto refinance application that will result to a hard inquiry on my XXXX Report. This is clearly a violation under the Fair Credit Reporting Act ( FCRA ).  Proof of email documentation will be provided upon request. 

This is to request for an investigation on the matter and to remove such inquiry from my XXXX credit report. We appreciate you looking into this matter. 

AutoPay has been informed of my request and they have been advised of my right to pursue any and all available legal and equitable remedies for this case.

Company response to consumer: Untimely response
Consumer complaint received 2023-11-25
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
Consumer Protection Financial Bureau RE : Noted SLS Loan # XXXX Dear Consumer Protection Financial Bureau, I am writing regarding Specialized Loan Services false, fraudulent, and predatory services located at the below address : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, CO XXXX SLS XXXX XXXX XXXX XXXX CO XXXX Please note the following : 1. I disputed the validity of the above loan three times. Specialized Loan Services in their predatory manner never provided documentation to verify : 1 ) they owned the debt, 2 ) debt was not discharged in US bankruptcy, and 3 ) debt was not unsecured. 
2. I owned property at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. SLS claimed they owned a lien on the property. 
4. Specialized Loan Services in its predatory manner claimed I owned over {$220000.00} which it never verified. 
5. Second lien on the property was held by XXXX ( see attached statement ). 
6. On XX/XX/2012 Honorable US Bankruptcy Court Judge for the District of Maryland Ordered lien was deemed wholly unsecured. Reference Order Motion to Avoid Lien Pursuant to 11 USC Section 506.

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 2023-02-02
Company: EQUIFAX, INC.
State: OK
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:
Back in XX/XX/2021, I filed for XXXX and reaffirmed my auto loan. I have never been late on this loan, even prior to the XXXX. After the XXXX, the bank stopped properly reporting my monthly payments and balance. On my credit report it keeps looking like the loan isn't getting paid down. I have reported this to the bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) multiple times, they will update the account, but let it get behind in updating again. I keep having to file disputes with credit bureaus and with the bank every XXXX months to get it properly reported. They should properly report the payments being made and the loan balance as when they don't my score is affected. It is their duty to report this information and keep the account updated. I have done this over times since XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-11
Company: Rapid Auto Loans LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
Almost one year ago, I got a {$300.00} loan from rapid auto loan. I sm paying {$150.00}. XXXX per month, but being on a fixed income, I have to get extensions. When I call, all they give are 5 day extensions, then threaten repossession. I have explained to them that all I get are my late husband 's disability check and I have rent and bills to pay. They don't want to hear it, even though I have asked for the payment date to be changed or possibly reduced, all I hear is that they can't do it.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-09
Company: General Motors Financial Company, Inc.
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX- {$51000.00} UNDER THE FCRB 605B THESE ITEMS WERE TO BE DELETED AND BLOCKED. THE NECESSARY DOCUMENTATION WAS PROVIDED TO XXXX UNDER THE FEDERAL GUIDELINES AND THEY REFUSED TO DELETE AND BLOCK THE THE MENTIONED ABOVE ITEMS. WHICH UNDER FEDERAL LAW MAKES XXXX SUBJECT TO ARBITRATION UNLESS OTHERWISE DELETED AND BLOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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:
15 USC 1681 Sec. 604. Permissible purposes of consumer reports ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I also do not have a contract with the following : 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 XXXXXXXX I am not liable for this debt, also they did not provide me with the original application with a wet-ink signature under penalty of perjury of someone with knowledge of the matters attested to. 

Also under 15 USC 1681 Section 602 A I have the right to privacy.

I never authorized these accounts to be reported on any of my consumer reports. They have violated numerous laws reporting these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Equifax, I am writing to request the removal of a late payment from my credit report. The account in question is XXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the R28 code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
At exactly XXXX XXXX time on XX/XX/2023 I called the loss mitigation department of Cross Country mortgage to receive an update on my forbearance request. The gentleman that answered seemed to be working from home with a poor phone connection, I provided my information and he was demeaning, rude and told me I should have paid my mortgage, I asked to speak to a supervisor and he talked over me rudely and caused high-anxiety in front of my daughter as we are already going through a stressful time. I later called back and spoke with another another Crosscountry representative that said the previous agent did not code my account so he would have to escalate to find out who took the call. I also shared my concerns with Crosscountry rep initials XXXX, and XXXX to have them share this concern with leadership, my blood pressure is at XXXX from this terrible experience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Good afternoon as attachments below will have details of being removed several times i do not know why they continue to harass me and i will take legal action. 
dates and actions are below this description. 

REPORT NUMBER : XXXX DATE GENERATED XXXX XXXX DEBT COLLECTORS XXXX  XXXX & XXXX XXXX Debt Colletors ENHANCED RECOVERY CO L They have embarrassed me and toyed with my personal credit by selling these accounts multiple time as it has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Best Buy credit card by Citi bank. I was very clear. I asked for a confirmation of debt. The only legal form of confirmation of debt is wet signatures. I do not want a bill, statement volcher. XXXX XXXX XXXX will get a lien on her surety bond. My name is not XXXX XXXX spelled like this. This means dead person. I am not the XXXX. I am thinking about arbitration to see your books. Banks can not loan money per money modern mechanics. XXXX. Banks take people signature promise to pay and exchange them for credits. I have a affidavit of all debts are prepaid. I also have XXXX XXXX from XXXX XXXX XXXX having a certified ferrensuk auditir under oath saying all bank loans are fraud.

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 2023-12-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have an XXXX loan ( -- XXXX ) with Wells Fargo bank since XXXX. I was paying on time every first of the month. But recently they have started charging {$450.00} every month as past due. I went to talk the local wells Fargo bank. They said it is a XXXX account and call the number provided for help. I did call them with provided phone number on the statements with many times. They just transferring phone calls and hold for many hours. Still I am paying {$450.00} every month since XXXX. My business is very slow and not able to pay this " illegal '' late charge for past due. I was paying on time in the local bank then how come it is " past Due ''. No one is giving me any answer. Always says- will e-mail. But they never contacted me. Please kindly resolve this issue and refund my " past due '' money collected illegally. Thanks Sincerely 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 monetary relief
Consumer complaint received 2018-08-30
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: Account information incorrect

Complaint:
I really hope you can help me ; there is inaccurate information on my credit report. Im not sure what information you require regarding each account, I will add the account/ account number and the date opened. Please correct and update the information to show PAID IN FULL, never late, or delete the item from my report as soon as possible. This is really affecting my credit report and my life negatively. I WAS NEVER LATE. 
XXXX XXXX XXXX XXXX XXXX A XXXX XX/XX/XXXX XXXX XXXX XX/XX/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