BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: LoanCare, LLC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I refinance my mortgage and received a letter dated XX/XX/XXXX that my mortgage was sold to Loan Care effective XX/XX/XXXX. On XX/XX/XXXX I logged on to their website, made my first payment and signed up for e-statements. On XXXX I realized my payment had not come out of my account, so I went back on to the website to find that I have a XXXX principal balance. On XXXX I called Loan Care and spoke with XXXX ( XXXX ) who told me my loan was sold to XXXX XXXX now known as XXXX XXXX as of XX/XX/XXXX and she told me my payment would be forwarded to them. She claimed that a letter was sent to me on XX/XX/XXXX, but I never received this letter. 
I called XXXX XXXX and they have no record of me yet, and I never received a letter from them. XXXX, from XXXX XXXX then called Loan Care back to try to get the new loan number and they do not have that information. The new person we spoke with at Loan Care told me my payment would not be forwarded to XXXX XXXX. 
My loan 's first payment due date is XX/XX/XXXX. I am currently 13 days past due, and I have no way to make my mortgage payment. I understand there is a 60 day grace period when your mortgage is transferred however, not being able to make my payment is unacceptable, and I do not want my payment history to reflect a payment posted after the due date. 
XXXX XXXX states that it can take 7 days to load new transfers information to their system. It has now been 9 business days from the day of transfer and they still do not have my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: World Acceptance Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I am late on making payment but have been in contact with the company yet the company call people that I know informing them they are looking for me to get touch with the about payment. Leaving the name of the person calling and the name of the company which clearly indicates the type of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Navient Solutions, LLC.
State: MD
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:
From XX/XX/2014 through XX/XX/2014, XXXX/Navient is reflecting late payments on my credit reports with all three Credit Bureaus. This information is inaccurate as the loans should have been in deferment as I was enrolled in school. I submitted disputes with all three Credit Bureaus and they are still reflecting the inaccurate information from XXXX/Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: WI
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 have been trying to get proof from not only the companies, but the credit bureau as well to provide me with documentation that I owe the debts that are being reported on my credit report. I have been mailing letters since XX/XX/XXXX18, every 30 days to both the creditor who claims that I owe such a debt, and also the credit bureau. I either receive a letter from the credit bureau stating that they verified that the debt belongs to me, or that they are done investigating the debt, and that there will be no re-investigation done on my behalf. They have even stopped sending all correspondence to me. I have exhausted all efforts with the creditor and credit bureau and I need results, they have not proved to me that any of these debts are mine, and therefore they need to be deleted from my credit report per the Fair Debt Collection Practices Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-23
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
on friday XX/XX/XXXX i called my mortgage servicer Selene Finance regarding the documents i emailed to them. They were not able to see the documents and asked me to send again. i sent XX/XX/XXXX and XX/XX/XXXX, I have my emails where i can see what i can send. I am unable to get a hold of anyone and when i do request a callback i do not get one, I had requested a loan modification back in XX/XX/XXXX and didn't get an answer from the company till Mid XXXX. The company says they have received the documents but unable to see the last email. They have since closed my file with no notification, even though i have been in constant contact with my company. Today i have once again sent them all the documents again. The representative i spoke to on XX/XX/XXXXXX/XX/XXXX read a statement that someone had put on my file saying i did not need any further assistance and that covid had not been affecting my household anymore. I asked her where did she get that information. She advised me someone that calls customers posted it. She and I agreed that this information should of not been put in my file. She asked her supervisor and he said file could not be reoppened and i had to resubmit my application once again. They had started on Foreclosure even though we have a Moratorium in place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: BMW Financial Services NA, LLC
State: NY
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:
BMW XXXX - inaccurate account reporting on my credit reports. Corporation reports another entity owns the loan. They dont have permission to report it on my credit profile. Either one is not supposed to loan credit aggravated identity theft. 18us1028a.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: MO
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've called the 3 credit bureaus several times a week about this problem but the problem still persists. A company named " XXXX '' reported that I missed 30 payments when in actuality I never missed one payment. XXXX reported that I missed 30 payments due to a bug, glitch, error or a rogue employee ruining customers life for the XXXX of it. I disputed the 30 missed payments and ask the 3 credit bureaus to ask the company to provide physical documentation/proof that I missed the 30 payments and that never happened. The disputes automatically get rejected and I get no where. This has to be illegal. I have another collection from XXXX, even though I asked them to verify my account with physical proof the 3 credit bureaus keep sending emails asking companies to verify debts with the press of a keyboard and no physical proof. Every time I call the 3 credit bureaus I'm connected with a foreign rep and we can barely understand each other so I'm forced to ask to be connected to a rep in the US so every time I call I'm on hold for over an hour before I can attempt to dispute the errors. The 3 credit bureaus help fraudulent companies destroy Americans lives for a profit. All 3 credit bureaus should be investigated for enabling criminal activity. It's not fair to hardworking Americans!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Credit Collections U.S.A., L.L.C.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I checked my credit and saw an old bill for Credit Collections USA LLC from XXXX XXXX XXXX XXXX in XXXX, FL in the amount of {$130.00} and from XXXX XXXX XXXX for {$220.00}. I never received the original bill as there were a plethora of mail related issues. I called the number associated with the both doctors office ( XXXX and XXXX ) and spoke with billing. 
I explained that I would like to take care of my bill for the physician. The balance is on {$0.00} for XXXX XXXX XXXX and the billing rep stated the bill was really old and would have been written off by the end of the year. She also said it should not be reporting on my credit because its very old. 
The billing XXXX at XXXX XXXX ( XXXX XXXX ), XXXX, stated XXXX XXXX no longer worked there and his private practice was dismantled when he joined a new practice. She said all of the medical bills for the practice had been written off, and to disregard the bill because it was no longer valid. She also added they never notified patients in writing about disregarding the bills but if they called, they were notified over the phone and there was no credit reporting for balances owed. 
I called XXXX XXXX and spoke with the collections supervisor, XXXX. She told me they would not delete the trade lines that are being illegally reported because the debts are no longer valid is not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: MO
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:
On XX/XX/2018 XXXX XXXX XXXX reported to Experian that my account was uncollectible. I have already paid this loan. I paid this in full. This is affecting my credit score and terribly affecting a loan I'm in the process of obtaining.

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 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Please reverse the late payments reported on the following accounts : XXXX XXXX The accounts were never past due, I never made a late payment to this company ever please change this, I have a good relationship with these companies.

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 2023-07-13
Company: Experian Information Solutions 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:
I want these late payments deleted from my accounts within 15 days, these are not mine, I'm not aware of these, Under USC 1666b. See the documents attached. XXXX XXXX XXXX and XXXX XXXX. 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 myself or the banks customer service representative.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: William D. Meeker Enterprises, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Since the latest large scale credit fraud breach, my credit report is filled with multiple credit inquiries that I have no knowledge of and I truly believe the inquiries are of a fraudulent nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In XXXX, I had taken out a payday loan with XXXX XXXX  XXXX. It has always been a soft inquiry on a credit report and they tell you that it will only be a soft inquiry. 
In XX/XX/XXXX, I had applied for a credit card and was denied because of to many inquiries on my TransUnion report. After looking into it, I found out that I had two hard inquiries from Check Into Cash from XXXX, one in XXXX and one in XXXX. 
In XX/XX/XXXX, I went to the store, and was needing to do it again. I asked the ladies at the store about the hard inquires and they insisted that it should never be a hard inquiry and that some other people were having issues with this also. After taking out the loan, I got a notification about an inquiry on my report. Sure enough, it was a third hard inquiry from XXXX XXXXXXXX XXXX. 
When I went in to pay off the loan, the lady said that she had spoke with her boss and any problem on the credit report was on Transunion 's end. I contacted TU and they wanted a letter from XXXX XXXXXXXX XXXX stating the inquiries should not be hard. XXXX XXXX XXXX sent a letter about the XX/XX/XXXX inquiry, but not the other two. XX/XX/XXXX has now gone off but the other two still remain on there.

This has had a negative impact on my credit score for the last two years, and I would like to get this issue resolved for me and anyone else that this has affected. 
Thanks

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC 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

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 2018-05-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
Last year I was involved in the Experian data breach and a freeze was placed on my social security number and no one can run my credit. But I have 6 inquiries on my credit report that companies are running my credit without my permission even though it's a freeze on my ss # .I wrote all 3 credit bureaus explain to them that I didn't give anyone the authorization to run my credit and please remove the inquiries. The last time I ran my credit is XX/XX/2016 to purchase a car.Since then I have not ran my credit. I can not get all 3 credit bureaus to remove the inquiries. They told me to contact the companies who ran my credit and I did.Nothing was done inquiries are still there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Wells Fargo denied my refinance application saying that I was " too old and too sick ''. They gave me a denial letter saying that I was refused because of credit and too many inquiries, however, in person Wells Fargo told me that the underwriter would not put her name on my loan because I might die and it would come back to her. Multiple times during the application process, I was also questioned repeatedly about if I wanted to apply for a shorter term loan ( less than 30 years ) even after I made it clear that I wanted the lowest monthly payment possible. 

My loan officer had taken my loan application and felt confident that there would be no problems, but then left to go on family leave leaving my loan in the hands of the processing team and branch manager..

The processing team kept asking me for more and more documentation ( which I later found out was unnecessary ) and the whole process took about two months before I was finally denied. The processing manager summarized the reason for my denial by saying that I was " too old and too sick '' in the eyes of the underwriter.

I have made a written request of Wells Fargo to provide me with a " disclosure of the nature of this information '' regarding its credit decision which was supposedly in accord with information provided to Wells Fargo in a XXXX  Credit Report and pulled through XXXX. This request was made in accordance of the Fair Credit Reporting Act and in connection with Wells Fargo 's " Notice of Action Taken and Statement of Reasons ''. 

To date, I have not received this information from Wells Fargo and I am now requesting it again through CFPB in hopes that they will respond. 

Also, Wells Fargo took money from me for an appraisal. They took this money had the appraisal done and then discriminated against me. I want the appraisal fee to be refunded to me immediately. 

Also, I want Wells Fargo to look into its underwriting and lending practices. I want to know why the Wells Fargo underwriter and processing team did this to me when it is against the law. 

To be clear : I applied for a loan with another institution immediately after Wells Fargo denied me and closed on that loan in 19 days. I had was and am a viable borrower/applicant. In fact, I qualified for a higher loan amount and received a conforming A paper mortgage.

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 2023-07-13
Company: Experian Information Solutions Inc.
State: MD
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:
Identity theft not my accounts I have within the ftc also

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 2019-08-24
Company: Dyck-O'Neal, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2018 four new installment accounts appeared on my credit reports ( XXXX,  XXXX, and XXXX ). These accounts are listed under creditor Dyck O'Neal and each is being reported on my XXXX, XXXX, and XXXX  accounts as greater than 120 days past due each month. After doing my research I have found that Dyck O'Neal is a collection agency that buys old debt. After expressing that I do not have an obligation to pay Dyck O'Neal I have not been able to have the installment accounts removed from my credit report. Rather than report the accounts as the collection accounts they truly are, Dyck O'Neal is listing these accounts as installment accounts and/or unsecured loans and reporting those loans as past due each month. These collection accounts are made to appear on my credit report as though I took out a loan with Dyck O'Neal and grew significantly behind in my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: American Credit Acceptance, LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2016, I am XXXX XXXX entered a consumer credit transaction in which I was the creditor and the seller with American Credit Acceptance. Fact, there was a finance charge involved. Pursuant to 15 USC 1605, they were not permitted by law to take a cash down payment because the finance charge is the sum of all charges. They still took a {$1200.00} cash down payment from me which means they are liable to me in the amount of double the finance charge. The finance charge was {$13000.00}, double that is {$27000.00}. 
They also never gave any material disclosure disclosing I have a right of recession.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: ONLINE Information Services, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
XXXX XXXX  year of male seeking a reduced apartment community. Needed a one bedroom apartment in XXXX zip code area. Was refused the apartment on a credit report. Only two accounts out of eight were delinquent. Both medical accounts and were dated XX/XX/14 when I was trying to get XXXX which took 3 years. Those 3 years I was unable to work and had no earnings to pay the bills. I had no idea I was delinquent on paying the medical bills. One was a bill from XX/XX/2014 with a past due of {$73.00}. The other was a bill from 2014 with a past due of {$100.00}. I've never had any convictions or driving accidents since I was in my XXXX 's. I lost an apartment because of this report. I plan to pay the {$170.00} now that I know I owe that much. It feels very unfair that I can not get a low income apartment because of this report. I'm back on a waiting list and will have to live with my XXXX XXXX XXXX parents who supported me when I had no money coming in. The report came from ONLINE Information Services, XXXX XXXX XXXX, XXXX, NC XXXX Phone : XXXX XXXX

Company response to consumer: Closed with explanation