BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
They are adding different balances and did not remove 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 explanation
Consumer complaint received 2021-05-26
Company: Shellpoint Partners, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
NewRez - Shellpoint Mortgage reported me for being late on my mortgage payment for XX/XX/2021 in the amount of XXXX. During the pandemic I am struggling to keep afloat and pay them within every month. My mortgage payment is XXXX. If I am current in XXXX & XXXX How can I be delinquent XXXX in XXXX? This is incorrect reporting. I might not pay on the first but I never pay after 30 days. This not fair to people that work hard to make ends meet. You have people that are on forbearances because of COVID19 that can afford to pay. I have been affected by COVID19, and I am making ends meet but this is how they treat me. Report inaccurate information on my credit report and call me daily. I requested a Life of Loan payment history, and Escrow Analysis. I still have not received that. They are sending me letters requesting foreclosure fees paid, when the loan was modified and foreclose fees are included in the MOD balance as capitalized interest. This company is doing illegal things. I would like a copy of the lifetime of the loan payment history and escrow. So, I can look at the capitalized interest. this is a new servicer, and they are like a debit collector. You cant collect on fees that are included in the balance when the loan were modified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX {$890.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$270.00} XX/XX/XXXXXXXX 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 2018-09-27
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018 I received a alert to my experian report that XXXX XXXX flagged my report in a collection pursuit. I immediately sent out a debt verification letter being I had no received anything prior to this. I had also sent a verification request to experian. I never received a call nor letter from the debt reporting agency but experian wrote stating it was verified without showing HOW it was verified. Upon reading the law, I learned FCRA 809 ( a ) requires the debt collector to CONTACT the consumer to rectify the situation prior to hitting credit reports. They are required by law to provide the consumer 30 days to dispute or request verification. This company NEVER did this. The first I knew about this debt was by my credit report alert. Since this date, they had alerted my report for new collection XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, 5 times they reported this debt to experian alerting me of a new collection. This is the same collection being reported FIVE times in a month! Furthermore I have XXXX XXXX ( who they claim I owe ) now in MY NAME and never had any issues in obtaining it. I only owe current bill of {$86.00}. I have been in my same home for 6 years now. This company refuses to answer my letter verifying the debt, they continue to report over and over to the credit report which is hurting my scores and experian refuses to answer to how this was verified. Being such, by law, this is to be removed from my 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 2021-05-26
Company: Experian Information Solutions Inc.
State: FL
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:
Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written permission of the consumer to whom it relates. 

On XX/XX/2020, I sent a letter to Experian explaining that I never gave them written consent to report anything on my consumer report which I never have nor can they provide any record of me doing so nor have they responded, therefore under 15 U.S. Code 1681b, this is deemed as identity fraud considering I've never given them any written consent to report anything on my consumer report. They are also reporting false and misleading information which is harming me and my reputation as a consumer. Not only are they reporting false information, but they also have social security numbers associated with my consumer report that don't belong to me.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: LA
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:
I did not give consent to send my personal information to this creditor. I was never informed what was the method of verification and how the debt was validated there is no proof that the debt is mine. This is a violation of my rights.

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 2021-01-27
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
After received a pre-approval, we began the process of closing on the home. The inspection was completed and more paperwork was submitted to my loan officer she then began the conversation of an appraisal. She ordered it for me and she sent over the info for me to pay for it. I do not have my tax returns ( awaiting the IRS to process them ). The entire week and a half my loan officer and her assistant began rudely dismissing even attempt or possible solution that came to mind. Myself and my realtor thought of so many alternatives. After they were all denied it wasn't until the following wee the lender came back to share that she found a solution and would be switching the loan type. Basically starting over from a conventional loan to a FHA loan. Now the lender, and assistant were informing me they were switching all the paperwork from a conventional format to a FHA format, the was the reason of the first extension request to the seller. The lender then came back to share that the FHA paperwork requires more information and processing time for a condo. And the final cherry on top was the condo community I was planning on moving to did not accept FHA so they had to go back in for a spot approval. All in all this entire process lacked knowledge, skill, professionalism, good advice, and most importantly accountability for I have now lost all money I have put towards purchasing this home. The second request was denied by the seller to allow the lender more time to switch the loan type. The condescending language from the beginning was not easy to work with but the bigger picture kept me going. Simply rude responses is never something a client should have to deal with on top of an already tedious task.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: I.C. System, 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: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX Account # 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 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2020-10-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
The account in question in discussion is Citi Account # XXXX the issue at hand is a late in XX/XX/2020, Back in XX/XX/2020 I was sick with XXXX I tried calling to defer the payment and could not reach anybody at Citi. When I was well enough to work I did make the payment immediately.

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 2022-02-28
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had some bad fraud going on with my credit cards and specifically the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. 

Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
id theft victim these reporting accounts are not mine XXXX XXXX {$51000.00} not mine XXXX   XXXX {$260.00} not mine XXXX  XXXX  XXXX  {$6300.00} not mine XXXX   XXXX, XXXX / XXXX  {$11000.00} not mine XXXX/XXXX  {$4700.00} not mine

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 2018-09-27
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
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:
While reviewing my credit report I see a total of five trade lines from Navient ; three of which are reporting correctly as no missed payments and two of which are reporting incorrectly as having 2 missed payments in XXXX and XX/XX/XXXX. I take issue with these accounts showing missed payments for the following reasons : 1.  Because as the attached documents show I didn't graduate from XXXX XXXXXXXX XXXX until XX/XX/XXXX. There is a 6 month grace period from the time of graduation until loan payments begin due. That means loan payments would not have become due until XX/XX/XXXX. I had already requested and been approved for forbearance on XX/XX/XXXX ( attached ) 2. How is it possible that I could be late on two of five loans having the same forbearance/deferment period?

3. How is it possible for the two late payments ( XXXX & XX/XX/XXXX ) to show as 90-119 / 120-149 days late when the payment status for the previous month ( XX/XX/XXXX ) shows as on time? 

4. I sent an email ( attached ) along with same information I'm attaching to this compliant to Navient 's Customer Advocate center regarding this issue asking for my credit report be corrected and almost instantly received a canned response saying the information was reported accurately. How is this possible based on the points listed above?

I demand that Navient correct my credit report to show zero missed payments or delete the incorrect trade line entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Affirm Holdings, Inc
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Back in XXXX of XXXX an unauthorized purchase of {$940.00} was charged to my Affirm acct. I immediately opened a fraud claim for this purchase in XXXX and Affirm did nothing to investigate for 4mo. After repeated demands on my part they denied claim and stated I needed to fill out an Identity theft affidavit and submit to them in XXXX of XXXX, which I did and still nothing has been done since then to rectify this claim. Since then they have disrupted my entire financial existence by reporting inaccurate late claims to XXXX causing my score to drop over XXXX. despite the fact they have NOT completed my fraud claim. I have disputed with XXXX and Affirm to no Avail and NEVER missed a payment relating to my personal acct that I WAS responsible for with Affirm. I have since then found that my daughter was responsible for the charge and both her and I have provided this info to Affirm, still no changes have been made to my acct to reflect I did not authorize this charge. Legal letters from Attorney has also been submitted to Affirm and XXXX on my behalf by certified mail, Which they received on XXXX and XXXX. 
I do not understand how a company can get away with such things without basis, and have processes they do NOT follow. I recently lost my XXXX XXXX in XXXX and have had Affirm harassing me ( despite I should NOT be receiving demands during open dispute claim ) during a time I am barely holding on mentally. I am trying to refinance my home but this credit reporting is hindering from doing so because of my credit score. I am pleading with your company to help to resolve. I have exhausted all known measures to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: CL Holdings LLC
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
yesterday on my XXXX XXXX report i got a sudden notification from a collection agency named jefferson capital systems the original creditor was XXXX XXXX XXXX. i have never received any notice from either company of his debt or informed it would be going on my XXXX XXXX. i have no knowledge of the bill i would like these creditors removed from my XXXX XXXX.please let me know what information this company may need to resolve this issue. thank you. my gmail is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Nelson Cruz & Associates LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt is out of date ( uncollectable due to age- as admitted on the debt collector 's correspondence ). There are 2 or more collectors trying to collect the same debt. 

The first one is : XXXX XXXX XXXX XXXX XXXX ( also has XXXX XXXX XXXX XXXX, XXXX listed on their correspondence ) Thier number listed is : XXXX Account reference number is : XXXX ( account number is not fully listed ) The second one is : Nelson Cruz & Associates Their number is : XXXX Their Address is : XXXX XXXX XXXX, XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX  has said in their communication that they can not sue, collect, or report to the credit reporting agencies due to the age of the debt. 

I believe that they are both trying to trick me into accidentally restarting the debt so that it is collectable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: SC
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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2019-03-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I discharged a debt for XXXX XXXX through bankruptcy as a result of identity theft. The debt was charged off and the bankruptcy was dismissed. I am assuming Portfolio Recovery has purchased this debt and is attempting to collect. They have harassed my continuously via phone, email and as of yesterday not my place of employment. I have contacted them via mail to let them know this is not my debt and they still continually harass me. My work is off limits. I work in a hospital and am unable to receive calls and now they are robo calling the nurses line. I do not want to speak with them directly because they do not listen. I need help to stop this unwanted harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: TN
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 requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX F XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: AUTOMOTIVE CREDIT CORPORATION
State: MI
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:
There was fraudulent auto loan taken out in my name. It was taken out with Automotive Credit Corp on  XX/XX/2013, in the amount of {$11000.00}, and is reflecting a balance of {$7500.00}. It has been reporting on my credit report and I have no knowledge of this account. I would like this to please be taken off my credit report. I have contacted the company with dispute letters as well.

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