BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I reached out on numerous occasions to have items deleted from my account that are not mines and things I have no knowledge of. This Collection agency has now created distress in my life and I have been declined a rental home and a credit line increase because of this debt that I have never entered into a contract with! I have reached out to all three credit bureaus who have added this third party debt collection to my credit report hindering my ability to provide the best situation and outcomes for myself and my children. I have sent numerous of mailed letters, disputes online, Ive had to freeze my accounts due to several breaches that have exposed my personal information. The term " unauthorized debt purchase '' to describe the action of XXXX XXXX XXXX XXXX  buying a debt that you do not owe, which is illegal. These 3 credit bureaus have again failed to do their job, I can not rent a house because of this debt collection agency that I have no dealings with was allowed to ruin my life and the credit bureaus have allowed this to happen. I need this deleted off my credit reports immediately so that I can rent a home for my kids and myself. I did not do any business dealings with this collection agency. I was told I can send this agency a letter requesting validation, original contract with my signature on it with this collection agency, a letter for them to cease and desist, copy of payment history and proof of collection authorization, I mailed these XX/XX/XXXX, and this collection agency failed to provide all the documents that I had requested, and since they are still reporting this debt after receiving my cease and desist and not providing me with the documents that I have requested they are in violation and that alone is grounds for deletion from all 3 reporting agencies. I also mailed all three credit bureaus as well XXXX XXXX, Ive been disputed this collection since XX/XX/XXXX, and I sent numerous requests for removal and documents monthly now. The debt collection is seeking payment of {$2600.00} I need this deleted immediately because they are in violation. I have also disputed a charge-off that is on my account and have requested a 1099C back in XX/XX/XXXX and XXXX of XXXX and I have yet to receive that and that is also a violation and I want this items Ive disputed and asked to be removed since noticing them reporting on my credit report last year and I started to take actions, via online portals, phone calls, mailing letters. Im fed up now especially since its hindering my ability to rental a home and credit card increases.

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 2021-01-18
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Loancare Account # : XXXX. Conventional 15 year mortgage. Received letter advising of {$120.00} Esrow shortage XX/XX/XXXX. Mailed check to cover XX/XX/XXXX. 
Morgage payment sent electroncally by usual bank XXXX XXXX XXXX XXXX for {$1300.00} noted as recieved and cashed by bank XX/XX/XXXX. 

Issue : Morgage holder denied receipt of payment. Sent add'l confirmation to mortgage holder and recieved email confirmation they received the payment in XX/XX/XXXX. 

XX/XX/XXXX Advised by credit agency that my credit score dropped 60 points in XX/XX/XXXX when they were notifed by mortgage holder that I was over 30 days delinquent in payment. Per telephone call to mortgage holder XX/XX/XXXX they would not correct credit report until add'l transmittal information recieved from my bank. 

Besides ruining by credit, this has also stopped my refinancing process

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my several complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$790.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2019-04-08
Company: ALLY FINANCIAL INC.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
ally bank has a 10 day notice policy on totaled vehicles ( from insurance company ). I have clear documentation from ally 's own website showing i contacted them 6 days after the accident and my insurance also contacted them on the 7th day to pay off the loan in full. My insurance attempted multiple times to pay the loan off as shown in documents i have from XX/XX/XXXX and XX/XX/XXXX. i have documentation from XXXX showing they attempted to pay ally on XX/XX/XXXX the total amount but could not because the lien holder could not produce the title. Ally made no efforts to collect regular payments for the months of XXXX, XXXX, XXXX, XXXX and XXXX because they were fully aware of the claim being processed. In XXXX i began recieveing bills from ally for my normal car payment. They claimed it was for interest accrued while they waited for payment from XXXX. XXXX did not receive the perfected title until XX/XX/XXXX even after multiple attempts 4-5 months prior. Ally is refusing to accept documentation in any form other then mail. their customer service department has passed me around for 20+ hours on the phone with no changes, no willingness to help, and ive been hung up on multiple times. They are trying to force me to use gap insurance to pay over {$700.00} in charges that shouldn't be there in the first place. A quick review of their XXXX page will show this is the standard at their business. I also attached a document showing where ally refunded a payment of {$230.00} which brought my balance back up to {$7800.00} which was the exact amount payed to them in full ... proving they were totally aware of the situation on their own website. No one i spoke to could see that info until i brought it up and once i did i was told they would not comment on it.

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 2018-04-04
Company: Jvs group
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter requesting specific information concerning the debt. I have not received ANY information per my request. The first letter and fax they claimed not to get. I then received a very strange letter in the mail but still NO evidence or ANY information concerning the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: TX
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:
All three credit agencies are listing Erroneous names/Addresses on my consumer credit report. XX/XX/2023, I disputed those inaccuracies but nothing has been changed. They are still listed.

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 2021-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion will not allow me to dispute a collection account that isn't mine, and for which the " aging date '' has changed multiple times ( in approximately 4+ years ). 

My credit score has been incorrectly, negatively, impacted.

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 2021-01-17
Company: Applied Data Finance, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This company preys on hard working Americans. High interest rates ( almost 100 % ) I have asked for help several times, forbearance, deferral, lower rate, etc to no avail. During this time, My hours are low, income is low, and there is nothing they " can '' do. Now, my credit is bad because of them, and I do not have any options. They dont care, and I do not know what else to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX Customer service would not help and take care of the negative inquiries reporting on my credit report.

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent a letter to the credit bureau to dispute and investigate questionable information on my credit report but have not received any response. The company only updated my personal information I requested and not the inquires.

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 2021-01-18
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
In mid XXXX i was in a accident, i sent Kia Financing a bank transfer for {$4500.00} to pay off my loan thinking i would get a check from insurance, well the insurance company also sent Kia finance a payoff transfer. I have called Kia once a week for close to 100 days requesting my refund, each time i call, they promise to send me a check, which never shows up ... I called them today and again promising to send a check in 10 to 14 days, I am now unemployed because of a cutback at work relating to covid and i need this money now. The people i talked with today in cust. service is XXXX, and a superviser XXXX in cust. servise

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: NJ
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 the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 explanation
Consumer complaint received 2022-10-11
Company: Paypal Holdings, Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
On XX/XX/2022, I went to cash my usual check from XXXX XXXX on the Venmo app ( who uses XXXX XXXX to cash it ). 
It went fine and i sent in a picture of " XXXX '' written on the check. 
It got approved and then said my account couldn't be funded. I've contacted by phone email and chat both XXXX and Vemmo. XXXX tells me once they approve and release funds they can do nothing and they don't know where my money is. Vemmo is telling me it's XXXX problem, and they don't know where my money is either. But neither is giving me any help. It was a {$350.00} check. No account was funded. I have pictures from my check activity tab on my Vemmo app even showing the check being approved but under the " Funded On '' date, it is blank, where on other checks I've cashed it says the date and time. Neither company will give me a higher up employee to speak to. All I want is my {$350.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account 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 2021-01-17
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XXXX XXXX, XXXX, I spoken with XXXX XXXX , at Shellpoint and XXXX XXXX reporting on my credit reports. This mortgage loan hasnt been on my credit report since XX/XX/XXXX. This debt has been discharged and removed in Chapter XXXX Bankruptcy 11 years ago. Please be advised this debt should not be on my credit report as I have NOT RE-AFFIRMED the debt in Bankruptcy. 

On XX/XX/XXXX @ XXXX spoken with XXXX . Please remove these mortgages off my credit reports immediately as this significantly impact my credit scores with all 3 credit reporting agencies. As Per XXXX, she will have the Bankruptcy Dept to get this removed off my credit report within 24hrs. 

On XX/XX/XXXX @ XXXX, I spoken with XXXX XXXX the Bankruptcy Dept. about these debts still showing on my credit after I have already informed them that XXXX XXXX and Shellpoint should not be reporting on my credit report. At this point, Shellpoint and XXXX XXXX is NON-Compliance according to FCFA Section 623 ( a ) ( 1 ), As a rule, it's illegal to report information that you know or believe is inaccurate. Re-aging and duplicative reporting, particularly following portfolio acquisitions or sales, mergers and other transfers. 

Overall the level of inaccuracies reporting on my credit report has cause me and my family credit denial, defamation of credit and conflict of emotions. 

I'm requesting that XXXX XXXX and Shellpoint Mortgage be removed off my credit report immediately as I have waited beyond 30 days for credit report to be corrected. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: FIRST ADVANTAGE CORPORATION
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
First Advantage I've attempted to reach out to the reporting agancy through email, with negative results. And their phone number is disconnected. They are reporting data that is way over 7 years ago. As a result, I'm likely to get denied for the licensing I need to continue to operate my business. I was under the impression that the FCRA allows reporting of criminal history up to 7 years ago. They are reporting on crimes frim 2008!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: LA
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:
Almost 60 days now since I've sent disputes for those inaccurate and unknown accounts on my credit report but there's no response yet. I demand to DELETE ASAP those accounts or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: BARCLAYS BANK DELAWARE
State: NY
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 was told by a representative that the payments were not late and no late fee charged, but credit report states two late payments.

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 2021-01-17
Company: Synovus Bank
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: Card was charged for something you did not purchase with the card

Complaint:
I called the company and they said I had to pay the debt upfront and then they would get back to me on the fraud charge and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Credit Collections {$100.00} On XX/XX/20 I sent a letter over to Credit Collection after noticing an account on my credit with no response. 

I also sent a follow up letter on XX/XX/20 since I did not get a response and still have not heard back from them. 

This account comments shows that it was disputed and meets the FCRA requirements but I have no gotten any reply from them about this debt or the validity of it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation