BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-12
Company: Experian Information Solutions Inc.
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:
To Who It May Concern In XXXX, we went to a bank to get a mortgage. The bank indicated that Experian ( XXXX ) reported that over the past 7 years we were late 7 times 90 days, 1 time 60 days, and 5 times 120 days. WE HAVE NOT EVER BEEN LATE! Whats more, you are selling the loan effective XX/XX/XXXX. Ive sent Experian my payment history and they claim they have not heard from you yet, that was today. We are trying to close on the property XX/XX/XXXX and I am PLEADING with you to please ASAP contact them and set this straight. We have been good customers and I believe we deserve your prompt attention. The other agencies report current with no late payments. They also told me you have till the XXXX or it will stay on my credit reports. Please call me ASAP! Attached is the payment history XXXX sent to me. Attached are bank statements corresponding with those dates claimed late.

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 2020-05-20
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I had purchased a XXXX XXXX XXXX XXXX in XXXX. I had been paying on this vehicle for approximately 5 years XXXX amount of the vehicle never changed. In fact the price of the vehicle continue going up. I contacted the creditor which was Santander about this on several occasions. They stated that the outstanding balance on the account was correct. Every time I paid something towards the monthly payment the outstanding balance of the loan continue to go up. I contacted the company in XX/XX/XXXX requesting that they pick the vehicle up and listed as a voluntary return. As this vehicle would never have the balance paid off. Then I sent a certified return receipt letter as backup of what I wanted. I've been was contacted via mail from the Creditor stating that the vehicle had been sold and there was a large outstanding balance owed. Once I received the letter the letter still had the amount of {$16000.00} owed. This is the amount that was left on the balance prior to me returning the vehicle. As of today Santander is still reporting to the credit beaureu each month for a vehicle I do not have. They have added very large amount of charges on to the vehicle and place this on my credit report as a repossession. This makes my credit report look very bad and I'm very unhappy about it. I contacted them several times after to explain to them that I contacted them to pick up the vehicle. They stated that it does not matter if I did send them a certified return receipt letter that's non and void. They stated that they do not take certified return receipt letters as a source of picking up the vehicle. I explained to them that I called and I sent the letter. This is not fair what they're doing to me I want this removed from my credit report please. If someone can look into this for me and let me know what I need to do. I have spoken to two other people who have loans with their company who are going through the same issues. They must be stopped. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
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: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX, TransUnion and XXXX XXXX XXXX. I spoke to XXXX XXXX XXXX XX/XX/2020 and I was told by an agent at XXXX XXXX XXXX that my loan forbearance was mis-calcuated on their behalf which caused the account to become delinquent. I was in forbearance at the time the late payment was reported. the agent admitted to it being an error on their behalf but stated she coulndt correct it, and that I would have to dispute it with Transunion, XXXX and XXXX to have the late payments removed. I have disputed with Transunion, XXXX and XXXX and they never investigated my dispute request. I am highly upset because it is affecting my credit worthiness and I have been denied a home. I am asking that they remove the late payments from both /accounts / They are also showing many other inaccuracies in their reporting. the open date shows 2 different dates and the date of last activity shows 3 different dates which are XX/XX/2020, XX/XX/2020 and XX/XX/2020. How can they have verified this account when its still reporting many inaccuracies. please remove this accounts from my credit report. I also saw a new article during this pandemic were this servicer reporting consumers late payments while in deferment, which cinsumers were told they wouldn't be reported late. The article stated that we could dispute with the bureaus to get late payments fixed.

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 2020-01-22
Company: Ability Recovery Services, LLC
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after four separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. They continue to tell me " they have verified the debt as belonging to me '' but refuse to send the methods they utilized to arrive at this conclusion. Yet, reporting this information on my credit file causing me stress and financial harm.

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 2018-03-06
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX has repeatedly failed to separate my dad and I in there credit reporting system. Over the year they have said they would fix in and have not. After the XXXX breach I locked my credit and then locked my dad 's. I bought a rental and could not unlock my account. I called XXXX and they again detected that they have my dad and I mixed. I was told my file was being sent to maintenance. 

Today I went to purchase a car and the credit union informed me that they could not give me a loan since I was now dead. My dad passed away last month. Between these guys and XXXX there should be a lawsuit.

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 2019-03-06
Company: EQUIFAX, 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:
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft : Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$9400.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX , XXXX Account # XXXX Amount : {$470.00} Date Opened XX/XX/XXXX Company or Organization : XXXX XXXX, Account # XXXX Amount : {$310.00} Date Opened XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishes of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, Enclosures : Identity Theft Report Proof of identity : a copy of my drivers license/other government-issued identification card/other Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: Experian Information Solutions Inc.
State: IL
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:
I have been trying to contact this company every since the inquiry reported on my credit report to no avail have i been able to contact company though number or address showing 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 2020-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
XXXX XXXX has been going back and forth with me for some time as they were trying to charge forced placed insurance claiming that I did not have it. I provided proof that I did have insurance. It has been several years or going back and forth with them and now they have placed me in collections as a result. This is affecting my ability to refinance or to get a reverse 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 2019-02-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Hello my name is XXXX XXXX I've been a victim of identity theft I was trying to rectify the situation by calling all three of the bureau 's XXXX  Experian and XXXX  I wasn't able to rectify the situation I wasn't able to get in touch with anybody I've been put on the whole for about morning 30 minutes each time I would like help with this situation thank you

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 2023-03-13
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2016, Wells Fargo modified my loan after taking more than 6 years to modify my loan. It took Wells Fargo 6 years to modify my loan. Well Fargo intentionally postponed loan modification to inflate a huge amount of extra money into my principal balance. Wells Fargo never disclosed to me the break down of extra fees added to my account balance. I did not sign a mortgage consolidation, and I have never seen that document. I want a full review of all the extra charges

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 2017-12-14
Company: General Motors Financial Company, Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I recently purchased a new car. My financing is through GM Financial, XXXX XXXX XXXX, XXXX, TX XXXX. My payment due date is the XXXX of every month. I received my first statement on XXXX XXXX. I thought this might be an aberration on account of this being a new loan. However, as of Tuesday, XXXX XXXX, I have not received my XXXX statement. I called customer service and spoke to 'XXXX XXXX ' He said my statement was mailed on XXXX XXXX. However, I should have received my statement on XXXX XXXX, not have it mailed on that day. I asked him about tracking my statement by using the intelligent mail barcode on the envelope. He said they could not do it. He is wrong. This is XXXX reason why the XXXX Postal Service developed the intelligent mail barcode as per this article : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
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:
These accounts on my consumer report are unauthorized and are not from me. I also wrote XXXX an identity theft report. XXXX said they have recieved my identity theft report and was takkng these false accounts off my consumer 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 2020-09-05
Company: RMS-Recovery Management Services, Inc.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I sent a certified Dispute letter to RMS RECOVERY MANAGEMENT. It has been more than 30 days and I have yet to get a response from this collection company. I was under the impression that collection agencies had to respond within a certain amount of time or the debt would have to be removed.

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 2019-03-12
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My private loans started with Sallie Mae and are now managed through Navient. At this present moment I am {$63000.00} in private student loan debt and my monthly payments are roughly {$480.00} per month. Ive spoke with several representatives whove misinformed me about co-signer release information. On XX/XX/2018 I spoke with XXXX, reference XXXX she informed me that after 12 on time monthly payments I would be eligible for the co-signer release program. This information was false, I spoke with representative XXXX, reference XXXX who informed me that borrowers who only pay interest on their private loans are not eligible for the co-signer release program. I have difficulty repaying my private loans due to issues with lowering my monthly payment. I am a single mother of XXXX children- the cost of living which includes rent, car note, daycare, not to mention groceries and clothing for my children make it very difficult and at times impossible to make on time payments of {$480.00} per month. It is unfair that Navient/Sallie Mae fail to educate college loan officers to counsel students appropriately when making the best financial decisions to pay for school, such proper counseling will also assist with lowering the students position of being in financial debt post graduation. I am constantly misinformed by Navient representatives. I am in dire need of assistance to lower my monthly private student loan payment so I can afford to care for my children.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I refinanced a home loan from FHA to conventional. XXXX  will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.

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 2020-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I settled my two Capital One credit cards. On my credit reports, they are showing settled for less than full however, balances are still reporting in error. 

Please correct the misreporting credit reporting data.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I received a response back from Experian as well as XXXX stating that there was no update to the accounts in question ( XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ). After receiving my initial response from the credit reporting agency, I asked for additional information as to how this information was verified and received no response.

Most recently I have sent letter to the Credit Reporting Agencies ( XXXX, XXXX, Experian ) requesting a review of incorrect information, including the above-mentioned accounts as well as outdated personal information. I provided a copy of my drivers license to show proof of residency. Two letters have been sent one on XX/XX/XXXX as well as on XX/XX/XXXX. At this time, there has been no response from the credit reporting agency or the collection agencies 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 2020-06-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I refinanced a home loan from FHA to conventional. XXXX will not remove the debt off all 3-credit bureaus. I have complained several time and nothing is being done. You can't call XXXX because it's a total circus!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: CITIBANK, N.A.
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Locked in four separate mortgages with XXXX XXXX  of Citibank this past Saturday XX/XX/19. For my primary residence I was quoted 2.75% on a 20 year fixed mortgage with no points assuming a conventional loan and a 60% LTV. This rate was also confirmed with XXXX XXXX  in her department the day before. Later in the day on SaturdayXX/XX/19 XXXX  sent me an email telling me that my rate had changed to 3.00%. I asked her for the reason behind this and she said that my credit score came out lower than she expected. My credit scores ranged between 766 and 810. Speaking with another Citibank representative I was told that this is still considered "excellent credit" and would not affect the rate. Her manager XXXX XXXX spoke to this other manager and determined that XXXX  had lied and the reason for the lower score was that the LTV was higher than 60%. I asked Citibank to correct the loan based on what I was quoted with the rate and terms with this information and was told that they wanted me to pay another quarter point. It seems as if Citibank did not lock in my rate on Saturday correctly. Additionally, I have asked the manager multiple times to call me back and he consistently has failed to do so.

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 2021-04-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I called Sapphire Chase Credit Card provided them a Police Report and told them my identity has been taken and that I live in NY state not NJ State where the charges on my credit card were issued everyday. Chase has charged off my credit card which is affecting my credit. The credit card I do have with them is at XXXX because I paid it off because that was the card I had issued and I was responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: Southwest Credit Systems, L.P.
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: Old information reappears or never goes away

Complaint:
Company improperly submitted an old collections account as new, damaging both my credit report and credit score.

Company response to consumer: Closed with explanation