BEE-spoke-data/consumer-finance-complaints huggingface dataset:
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: Information belongs to someone else

Complaint:
I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit

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: Harley Davidson Financial Services Inc
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Harley Davidson Financial Services is not honoring the provisions of the CARES act in accurately reporting my account to the credit bureaus, making it very hard to obtain a home loan as my credit dropped 112 points due to them not honoring the deferral agreement made on XX/XX/2020 and reporting me as 30 days late for XXXX. Today I was told going into XXXX, my account was showing a due amount of my regular {$740.00} and no P and I past due, I was told this by XXXX, a supervisor. But the payment agreement wiped out the XXXX and XX/XX/2020 payments. My next payment was due XX/XX/2020 which was my fulfillment of the arrangement which was made on time and as agreed, plus extra. Under the CARES act, they are to report my account as current as long as I fulfill the obligations of the agreement. On XX/XX/2020 they reported me 30 days late for XXXX to the credit bureaus, however I was not due for a payment in XXXX but had already made payments in XX/XX/2020 totaling {$1100.00} and XXXX totaling {$1100.00} ; {$370.00} of the XXXX payment was a buy in to the deferral agreement.XXXX  wanted to argue with me that despite my test, COVID-19 did not become an issue until mid to late XXXX. Not sure where he is, but that is not true, I can personally attest to that. I have never been 30 days past due per a review by my attorney and a forensic accountant. I am NOT represented in this matter by either. 
I can not control a non-at-fault accident that required XXXX  and COVID-19, but HDFS seems to think I can and wants to punish me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I disputed multiple charges made on my account and Wells Fargo is refusing to give me my money back. All the charges was made in another state and I live in the state of Georgia so there is no way I made those charges I filed the dispute on XX/XX/22 for charges of XXXX, XXXX and Wells Fargo chose to deny my claim.

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 2020-05-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I purchased and also used points for plane tickets on my chase preferred credit card XXXX  cancelled the flights. I used chase travel company to charge flights because I also had used my points for two of the tickets. Chase credited the points back to my card but will not refund the difference. XXXX has told me they credited there agency which is XXXX. I do not understand with numerous attempts that they will not credit me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-20
Company: FORD MOTOR CREDIT CO.
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: Account information incorrect

Complaint:
I am sending this complaint because a charge-off and collection account with Ford Motor Credit account number XXXX has hit my credit report when this account is a business account under XXXX XXXX, EIN XXXX. The issue with this is not the ownership or the debt, but the fact that a business debt that was established an paid for by the business who was also issued a Corp Code with the DMV in the State of NJ to register this vehicle, has affected my personal credit report and even though there was exceptional payment history, your company has chosen to destroy my credit rating by inaccurately reporting this account as a charge-off which is a violation of the Fair Credit Reporting Act. I would ask that your company furnish the document and phone records that show you have previously attempted to have me rectify this debt and also provide documentation that substantiates the debt that is being reported. I also received a letter from a XXXX , XXXX XXXX XXXX that is currently being reviewed for any violations of the Fair Debt Collection Practices Act, and if there is, I would be entitled to {$1000.00} per the FDCPA and any statutory damages that I have suffered as a result of this account being reported on his credit report. The account was previously disputed and marked as resolved and accurate. But after I receive documentation of this account that shows inaccuracies, that will also mean we would have violations of the FCRA which would bring other issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I faxed Equifax disputes regarding erroneous accounts on my consumer credit file on XX/XX/2021, after mailing my dispute to it on XX/XX/2021. I faxed in the dispute because Equifax did not start an investigation. Faxing was the only way for me to get confirmation that my dispute was received the same day in case the company tried to lie and say it never received my dispute in the mail. According to Equifax, it has 5 business days to process my disputes. It has been more than XXXX business days and Equifax has not investigated my dispute. Equifax has a duty to investigate all disputes that it receives, yet it has neglected to investigate mine. Equifax is deliberately violating the law and enabling identity fraud by keeping these erroneous account of my file. I even sent Equifax dispute results from XXXX showing that XXXX was unable to verify erroneous accounts on my credit file, and Equifax has ignored it. How can Equifax verify items on my consumer credit file if XXXX couldn't. This particular company is damaging my reputation and preventing me from making major purchases. This company has failed to prove any of the negative, erroneous accounts belong to me. This company is merely parroting information, which is against the law. It has duty to investigate with physical evidence. Attached to this complaint are the disputes I sent Equifax, and the dispute results from XXXX showing REMOVAL of erroneous accounts from my consumer file. XXXX did it's due diligence and actually investigated my dispute and found these negative, erroneous accounts were NOT mine. My question again, how is Equifax verifying items on my report if another CRA COULDN'T?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Payfare International Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Concerning the XXXX prepaid card through Payfare ; it was locked 48 hours ago due to stating the CVV code was entered incorrectly. I was told to contact customer service, which I have now 3 times in the last 48 hours. All 3 times, I was told the card was unlocked with no restrictions, but when I try to use it in the store or load it on XXXX XXXX, its marked as an invalid card or declined. The issue has been sent through to Payfare but they have not contacted me at all to resolve this issue. I can not buy my husbands XXXX or groceries until this gets unlocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: DISCOVER BANK
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, DISCOVER FINANCIAL SER add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We got a loan modification through XXXX in 2012 with our mortgage company AHMSI, now the mortgage company is XXXX XXXX. We thought we received a principal reduction modification loan it turns out we received a an interest reduction loan with a balloon payment do at the end of the loan. We were tricked. Want to receive what I was promised. That was a principal and interest reduction loan with no balloon payment at the end. We feel like we have been victimized again by our loan company. Can you help us resolve this matter?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XXXX I sent a letter regarding inaccurate and unknown things on maybe credit report to this day over 45 days later I have not received a response yet. I feel like im. being taken advantage of and being ignored of my disputes Section 611 ( a ). its plainy stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XX/XX/XXXX data breach and may have got into there hands of the wrong person

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Credit inquiries on your report that you don't recognize

Complaint:
These hard inquiries should not be on my credit card and this is unverified and inaccurate. Need them remove 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 explanation
Consumer complaint received 2020-05-21
Company: Continental Services Group, Inc. d/b/a ConServe
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:
I requested a Waiver of a XXXX  Federal Health Benefit Overpayment Agency Error. My FERS annuity is being Offset via the Treasury Offset Program. The problem I am having is that this debt should not be reported to a Collection Agency because my FERS annuity is being offset via the Treasury Offset Program. I contacted Continental Service Group , Inc & made them aware of this situation to no avail. Please rectify this for me. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: VA
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:
I am submitting this through CFPB so that I can upload my documentation for my new address Effective XXXX XX/XX/2020. I am submitting my utility bill reflecting the current address. Please update this address. I no longer live in the Florida apartment rental.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to other financial issues, I became delinquent on my mortgage with PrimeLending Loan Servicing backed by XXXX XXXX. When I lost 100 % of my employment hours due to COVID and the passing of the CARES Act, I requested a forbearance on my mortgage. I was initially told it had been applied, they read the terms and conditions to me and said I would receive additional information in the mail. The only thing I received was loss mitigation paperwork. When I called back I was advised by 3 different reps I did not have forbearance and if I wanted one I must complete the loss mitigation paperwork. 

I called XXXX XXXX, when they got back to me after speaking to the lender they stated I was in an active forbearance. I asked what date it went into effect and expired as well as if they would then be paying my homeowners insurance policy per my escrow account and if I could make payments in the interim. They advised I call the lender. 

When I reached back out to Primelending I was again informed I do not have an active forbearance and if I wanted one I needed to complete the loss mitiation paperwork. I told the rep Primelendin has informed XXXX XXXX I am in an active forbearance and per the CARES Act they must allow me to be. The rep stated because I was in default prior to the CARES Act it did not apply and I must complete loss mitigation paperwork. 

I called XXXX XXXX back and advised the rep of what I just stated, they said they would get with the lender and either have the lender or the person handling my issue call me back. No one has called, the eviction memorandum for XXXX XXXX backed loans have expired and they can literally sell my house any day now. 

I am working on resolving my financial disputes and they should be solved within the forbearance period. I would then be able to pay all of my delinquent payments and become current on my loan. I can not if they refuse to give me a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted Mr. Cooper to whom I have paid my mortgage on time for several years ( after they bought my loan from XXXX ). I have tried repeatedly to get information about refinancing my loan and I was told that because I live in a XXXX XXXX that the company does not refinance. They are not providing me with information on how to get refinancing. When I have called they put me in a loop phone call and I have yet to get any straight answers. Mr. Cooper is servicing my loan inappropriately in my belief. They are not being upfront and thwarting me from the ability to obtain refinancing, in a very difficult financial climate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: Experian Information Solutions Inc.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX  XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}

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: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX  XXXX about this account that incurred back in XX/XX/2018. As I stated to the representative, my state insurance, XXXX was active on XX/XX/2018 and that all medical bills that accrued between that time was covered by XXXX. I saw the doctor 6 times in the month of XXXX due to XXXX  and all those bills were paid by XXXX. So how was these 2 bills not covered when it ; s the same time frame.We then did a 3 way with XXXX and they told XXXX XXXX  XXXX that the bills had been paid and that I do not have any balance owed because all bills over 6 months are automatically dropped. XXXX XXXX has refused to remove this account from my credit report despite this information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: LEXISNEXIS
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:
Credit reporting agencies are reporting inaccurate and unsubstantiated information on my credit report. They are reporting a bankruptcy which is inaccurate and unsubstantiated. I would like to know who provided any information of a bankruptcy. I have a letter from the bankruptcy court stating that they do not provide any information to any credit reporting agency regarding bankruptcies. I demand that XXXX, XXXX, XXXX  and Lexis Nexus provide the name, date and contact information of the individual who was spoken to and if they don't provide this information, they must remove this information from my report. This is a clear violation of 15 USC 1692 and 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.

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 2019-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
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:
In XX/XX/XXXX I received an auto loan from Credit Acceptance Corporation. Throughout the lifetime of the loan, I experienced numerous inaccuracies reported by Credit Acceptance on my credit report. Some of the inaccuracies were corrected after having to jump through hoops with Credit Acceptance Directly, yet  additional inaccuracies continued to show up on my reports. Currently, I am in the process of purchasing a house and am reviewing the negative accounts on my credit reports and Credit Acceptance is one of them. After looking into the payment history, I realized that Credit Acceptance has multiple 30, 60, 90 day  late payments on my account, including listing the account as late when closed ( which is impossible if the account was paid in full ). There was only one time that I was late on my loan with Credit Acceptance and that was in XX/XX/XXXX. I have tried to call CAC directly to correct the errors and their customer service team has refused to acknowledge that I ever had an account with them.

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 2018-03-03
Company: Navient Solutions, LLC.
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:
The Contract Related to this account has been canceled, NO CONTRACT, PLeas provide any documentation containing my signature that shows i am under contract for the debt, Being that the account was transfered to another lender please provide any agreement between the original creditor and new lender or collection company

Company response to consumer: Closed with explanation