BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
On XX/XX/XXXX I realized that I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXXXXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-11-17
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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 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 explanation
Consumer complaint received 2018-10-20
Company: LEXISNEXIS
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018, I sent a direct dispute to LexisNexis Consumer Service Center via certified mail with electronic return receipt. It was received on XX/XX/2018. I received a letter from XXXX stating the dispute had been verified. As of XX/XX/2018, I still had not received a response from LexisNexis and my credit reports had not been updated to reflect the dispute. So I sent another letter certified mail with electronic return receipt, which was received by LexisNexis on XX/XX/2018. The response I received from LexisNexis was dated XX/XX/2018 and postmarked XX/XX/2018. The letter states, " You recently requested LexisNexis initiate on your behalf a dispute with XXXX ... ''. My direct dispute to LexisNexis was clear. LexisNexis has both a legal and ethical responsibility to validate my dispute. I find theresponse and actions taken by LexisNexis to be both illegal, unprofessional, and dishonorable.They have severely and illegally impacted my rights as a consumer who lodged a formal directdispute with their agency. I have attached evidence to support my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, INC.
State: HI
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: Problem getting your free annual credit report

Complaint:
I am trying to get my free annual credit report with Equifax. The on-line form asks for a middle initial. I don't have one. It won't let me leave it blank, and there is only space for one letter so I can't put N/A or no middle name. 

I have spent an hour on the phone trying to call them. I pushed 1 and 2 and 3 and gave my social security number, etc. very obediently. Finally, they simply hung up. Back to square one. 

I tried contacting them electronically, but the middle initial issue stopped me again. I don't want to mail my request in with a copy of my driver 's license, etc. Too much trouble. Takes too long. 

Can someone tell them to allow for no middle name on their on line form? What else can I do to get my free annual credit report from Equifax? Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: ALLY FINANCIAL 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 would like to get these Unauthorized Inquiries off of my XXXX credit report, Please Ally Financial XXXX, 2022 XXXX XXXX XXXX XXXX, XXXX, 2022 XXXX XXXX XXXX XXXX 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, 2022 XXXX XXXX XXXX, XXXX XXXX 2022 Customer service at XXXX would not help correct my file by deleting the unauthorized inquiries reported to 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 2018-10-20
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/2018 I received a {$300.00} payday advance from mypaydayloan.com with the understanding due to language on their very site that, I would then be responsible for {$390.00} upon repayment. The loan was set up in a way to deduct {$90.00} directly from my checking account bi-weekly until the loan was repaid. There have been a total of 5 {$90.00} payments taken from my account for a total of {$450.00}, which in my estimate is {$60.00} too much. I called their customer service line today and was told that because I did not pay the debt in full with one payment, that I would continue to be charged the {$90.00} bi weekly fee. I asked how that was even legal to do because not only had I repaid the initial loan with interest, but overpaid as well, and the man on the phone confusingly kept telling me that this was NOT a payday advance and that was the reason for the continuing withdrawals from my account. I'm sorry, but there is no way that this is can be legal. I am obviously not in a good place financially to begin with and there is no way I can afford to give them the extra {$60.00} they have taken or the countless more {$90.00} they intend to take. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: Self Financial Inc.
State: MA
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Experian Information Solutions Inc.
State: NM
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:
On XX/XX/XXXX the collection company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX send me to collection for a bill of {$970.00} from XXXX XXXX XXXX, account # XXXX that was not paid. I never lived at the address where this account was opened and I never open this account. I contacted them about this charge and they acknowledge that was not mine. I disputed this with all 3 Credit Companies last year and all of them removed this from my credit file back in XX/XX/XXXX. But this keep showing up on my Experian and XXXX credit report. This been happening for the pass couple months and I'm getting tired about this charge. I will appreciate that Experian credit bureau and XXXX credit bureau removed this from my credit report. If not I am going to start a legal action. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Mr. Cooper Group Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The mortgage company Mr. Cooper has failed to pay my property taxes out of my escrow. The company failed to pay the taxes last year, and I literally had to argue with them to get the pay XXXX taxes paid, which didn't happen until XX/XX/XXXX. Now they've failed to pay the XXXX installment and again I am arguing with them to get taxes paid. I've had numerous phone conversations. A promise to have the delinquent taxes and late fees paid by XX/XX/XXXX was not met. I don't know where to turn to get help. Reading many comments online, it seems customers often run into this problem with Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Merchants and Professional Bureau, 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 mailed the attached enclosures to the three major credit reporting agencies disputing the negative report on my credit record. XXXX  and XXXX  received my mail and quickly deleted the debt from their record. 
XXXX  failed to follow their footsteps. Without stating a reason only stated " We have verified that this item has been reported correctly '' ( See the enclosed XXXX  response ).

Not sure what they saw or read that the other two reporting companies missed. The only thing I can think of is that they never bothered to read my submission.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently sold from XXXX to Carrington Mortgage Services , LLC . 

The first time I paid my loan with Carrington, I paid over the phone and was charged a {$10.00} processing fee. I did not talk to a human. The transaction was 100 % automated. I paid with my checking account information. 

This month, I paid on-line thinking I would avoid the {$10.00} fee. Carrington charges a {$5.00} processing fee to make an on-line payment. Again, no human contact. I entered all the information. 

I called customer service and asked about fee free options. I was told to I could mail my payment ( who DOES this ) or get set up on an auto pay. 

In doing the math, if using the internet to make a payment, this company will make an additional {$1800.00} over the course of a 30 year mortgage to TAKE MY MONEY. If a person were to pay via phone, that amount doubles to {$3600.00}. To TAKE MONEY. How can processing an automated payment be more labor or cost intensive than a physical check? This is an additional money grab and I would like to know if this is a legal practice. 

This company has a mailing address in Illinois. I live in Minnesota. I did not choose this mortgage company. 

Thank you for your help. Please cite the law where this is legal. I would like to look at the statute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I was in a bad place just starting job and needed money but due to bad credit I was able to get a XXXX dollar loan from Ace Cash. I was able to pay in full the first time but it left me short of rent, which meant I took out second loan at same amount to pay rent. I was unable to pay due to unexpected medical expenses and being a single father paying child support on one child and supporting the other as well as paying bills by myself it has left me in a tough position to pay back. Ace Cash started calling and I tried to find a way to pay them back incrementally without leaving me and my children homeless just to pay them back on a XXXX dollar loan. They started calling me on my work phone threatening to contact my supervisor and apprise him of situation, which has nothing to do with my supervisor. I tried explaining what amounts I can work with and they refused to make an acceptable amount and they were making me commit to a XXXX dollars every 2 weeks for the next 18 months. So now from XXXX they have gone to XXXX, I have tried a few times to have them if I don't have it to give at this time what am I supposed to do. I can do incremental payments of XXXX but not every check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Incorrect address is reporting. Tried to remove and dispute it but it is 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 2023-02-20
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C1681 section A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 166b A creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-26
Company: General Motors Financial Company, Inc.
State: ID
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:
My past due payment was made by XX/XX/XXXX. My total balance due at the time was XXXX and it was due XX/XX/XXXX.That included XXXX past due and XXXX currently due. I paid XXXX on XX/XX/XXXX to cover my past due. I am not 30 days late on my credit report when I should not be. They are also charging me {$150.00} in late fees now?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX and TransUnion credit reporting agencies have not efficiently complied with the regulations/laws of the Fair Credit Reporting Act in completing their investigation. The CRA are reporting inaccurate information for the following accounts. I contacted the data furnisher and CRA requesting a complete payment history with this account for me to review. I wanted to see the exact date on which the charge-off posted. Unfortunately, there has been no successful resolution provided nor feedback heard from any of the 4 parties. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Please remove this account for not complying with FCRA reporting. 


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 2018-09-17
Company: Navient Solutions, LLC.
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
What happened? 
Dear Sir /Madam My name is XXXX XXXX XXXX XXXX based in  XXXX , XXXX Citizen, Father of XXXX XXXX ( XXXX ), who was a XXXX at XXXX University , XXXX , ( year XX/XX/XXXXto XX/XX/XXXX ). I am a XXXX XXXX ( now retired ) worked for XXXX .XXXX for forty years. Salle Mae gave XXXX a loan of {$210000.00} in the year XXXX and of which {$200000.00} has been already paid off without any break for the last 9 years. But Navient which took over from Salle Mae is still demanding XXXX more ( presumably interest- simple mathematics ) which is too much to pay after settling the capital almost. Secondly our guarantor Mr. XXXX XXXX, US citizen based in XXXX, should be released from his role as a co-signer, otherwise, his daughter will not get a student loan to go to university this XXXX and her future carrier will be in jeopardy. As per Salle Mae, if a client has made 12 payments uninterrupted, we could request the co-signer to be removed from the contract. We made multiples of 12 uninterrupted payments over the last 9 years. Since we took the loan in XXXX now the whole family financial situation has completely changed. Though XXXX qualified from XXXX in XXXX she could not find a suitable job in the USA to pay off her student loan. She was very disappointed and came back to the XXXX and could not get a job in the XXXX either. Last XXXX She got married in XXXX and settled there. She has found a suitable job in XXXX but the salary will not be enough to pay off the student loan and also consider the exchange rate.in XXXX Rupees As for me I am retired from my job as a XXXX in XXXX on XX/XX/XXXX and is a pensioner and I am still paying her loan with great difficulty. I feel now that since I retired my income has gone down considerably land I am solely depending on my pension only. Besides my wife is very ill with XXXX and on XXXX and I look after her 24/7 alone. I want the monthly payment amount reduced considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: EQUIFAX, 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:
Equifax has been non-compliant with removing the unverified account Bankruptcy DISMSD/CLSD XXXX XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that Bankruptcy DISMSD/CLSD XXXX was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 viewed my credit reports and saw that it is reporting in the summary/overview that I have 17 late payments on XXXX and 19 late payments on Transunion but there are no evidence of this in the accounts that I have on my reports.

This inaccurate reporting has been negatively impacting my credit.

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