BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-09
Company: MARINER FINANCE, LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Received a loan from Mariner Finace for a Jacuzzi. The loan was considered same as cash 0 % if paid within 180 days. The company sent me an email with a welcome letter to login and establish my acct. Once I logged in, there was no statement or evidence of an acct. I called and tried to rectify more that 20 times, speaking with the Branch Manager, IT and agents with no luck. I was forced to make payments as to keep my credit clean but have no statements showing my loan, payments or outstanding balances. Their system is blank and I have no visibility or transparency regarding payments, balances or any changes to my account. I want to payoff the loan but can not receive a payoff, statements or understand if I payoff, they will not come after me later down the road. I have escalated dozens of times asking for a statement via letter, email or a screen shot of their systems since my login credentials do not map to may account. My account page does not even show I have an account with Mariner finance. 

Working with XXXX XXXX in XXXX Mariner Finance ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have tried several times with all the credit reporting agenciesand with this company to get my credit report 100 % accurate! This is extremelyfrustrating and not fair that neither of these companies are helping me inany way!!! This is the United States LAW to have my credit file 100 % accurate! You are also failing me by NOT HELPING ME get this 100 % accurate! I have even sent you ALL THE LETTERS of me trying to communicatewith this company and each of the credit reporting agencies. I will ask you onXXXX lasttime to help me get my report 100 % accurate before I contact a lawyer!! Thank you so very much and I look forward to hearing from you and knowing that you will get this corrected!!

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 2021-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Upon reviewing my Transunion credit report, XXXX XXXX XXXX ) reported an unauthorized hard inquiry on XX/XX/2021. 

I did not authorize anyone employed by XXXX to make any inquiries and unlawfully view my credit report. This is a blatant violation of my rights under Fair Credit Reporting Act ( FCRA ) 15 USC 1681 Such an offense is a serious violation of my privacy rights. Please contact XXXX XXXX XXXX XXXX and valid this fraudulent occurrence with this company and provide me with appropriate documentations associated with this company bearing my signature authorizing this inquiry. 

Upon resolution, Im requesting the deletion of inquiry 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 2020-11-27
Company: Midwest Acceptance Corp.
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX a judgment was filed under case number XXXX from MIDWEST ACCEPTANCE for XXXX which included Principal, interest, attorney 's fees, court costs and process server fees. The first garnishment came out of my check XXXX XXXX XXXX on XX/XX/XXXX to XX/XX/XXXX totaling {$14000.00}, which that means they owe me the difference of {$2200.00}. Per case net it shows that Balance due as of XX/XX/XXXX was {$0.00}. After this judgment had been met including all the interest payments Midwest Acceptance and their attorney 's office came back on XX/XX/XXXX for a judgment amount of {$4500.00} in which they garnished out of my check on XX/XX/XXXX {$280.00} and will continue until this predatory collection activity STOPS! Also, they sent certified postal mail to an address we never lived at a day in our life XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, MO XXXX. This judgment was previously satisfied then when I called on Monday, XX/XX/XXXX they said it was interest payments however the interest was paid that was included in the original judgment amount. Midwest Acceptance is also garnishing my wife 's checks XXXX XXXX XXXX for the same vehicle when the judgment was previously satisfied by me, when she had a order of dismissal to dismiss without prejudice at Plaintiff 's costs. Also they never put in the system SATISFACTION OF JUDGEMENT BACK IN XX/XX/XXXX when the Balance had been met. My wife 's judgment was filed on XX/XX/XXXX in the amount of {$9600.00}, which also included Principal, Interest, attorney 's fees and court costs. This garnishment started on my wife 's check XX/XX/XXXX and so far has collected a total of {$800.00} now making the difference of what is owed to myself XXXX XXXX XXXX and my wife XXXX XXXX XXXX {$3000.00}. This is definitely predatory and they are not doing anything to stop collection activity. This has really been damaging to our credit and has caused punitive damages as well and we won't our money back and garnishment activity to cease. PLEASE HELP!! 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-13
Company: EQUIFAX, INC.
State: NJ
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 received a letter from Equifax on XX/XX/2109, stating that based on the contents of my Equifax credit file as of XX/XX/2019, my credit score is unavailable. I still have no valid current Equifax Credit Score. This is unacceptable and MUST be addressed immediately. I then called Equifax Customer Service and spoke to a supervisor named XXXX around XXXX XXXX. She stated her employee ID was XXXX. Despite answering a series of questions correctly, she refused to confirm my identity and was very unhelpful. Nothing was resolved. Finally, despite the enclosed confirmation from Equifax that they changed my name to XXXX XXXX, I continue to receive correspondence in my maiden name, XXXX XXXX. This is more than unacceptable. We also tried filing a complaint with the Federal Trade Commission. We will follow through once the government is funded. We have filed a complainant with the XXXX XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have a Closed Charge off Collection account from Santander opened back in XX/XX/XXXX. The vehicle was repoed in XXXX. I later found out Santander is involved in a class action lawsuit from XXXX through XXXX. And the state that i live and and where my account was opened is included in the lawsuit. I recently used this as my dispute reason with XXXX  and successfully got them to remove this account off my credit. I then attempted to dispute with XXXX  and XXXX  and Santander is reporting the account remains and is still due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
There is information on my reports which are causing financial harm to me and my family. I have sent out dispute to each of the three Credit Bureaus in an attempt to receive update of the following items. 

XXXX Account 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 2023-01-11
Company: Fidelity National Information Services, Inc. (FNIS)
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:
Chexsystems have removed the negative accounts from my report due to identity theft but they have left all of the inquires on my file that were from the identity theft. Which is causing me to have a high risk score and causing me not to be able to obtain a checking account.

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 2020-11-27
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase XXXX XXXX XXXX credit card advertizes 3x points for " Advertising purchases made with social media sites and search engines ''. However, Chase is not crediting 3x points for my XXXX XXXX purchases even after sending them the actual invoice. Chase states that they will not give 3x points since XXXX is describing their services as " XXXX XXXX XXXX ''. 

Since what XXXX does is beyond my control nor should be under my actions, Chase should work that out with XXXX, fix their system, or accept that this is false advertising.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first attempt on this particular matter concerning incorrect addresses and inquiries being reported. Please view the attached documents for further details. 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 non-monetary relief
Consumer complaint received 2020-07-13
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is something showing on my credit file and I truly don't know what it's for. I am a XXXX and believe it may be something mixed up with my father. I wasn't in the hospital or needed medical treatment in 2018 so not sure what this is. I disputed with the bureaus and they just say verified. WHAT IS THIS?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX LoanCare XXXX  XXXX We started a short sale with LoanCare on XX/XX/XXXX. 

On XX/XX/XXXX we were countered to $ XXXX. On XX/XX/XXXX we emailed the increased offer ( $ XXXX ) along with the updated HUD. 

We called in several times since XX/XX/XXXX and were told yet again today XX/XX/XXXX that there was no ETA on decision. However, today they are claiming that the XXXX offer was marked too low on XX/XX/XXXX -- - I was never told about it when calling in, multiple times, over the past 2 weeks. The manager claimed that final decisions about existing offers are not made until underwriters completely review the file. Had no explanation as to how we were countered on XX/XX/XXXX since the underwriters had also not completed their review at that time either. 

*****When pressed further, the manager claimed that they are investor driven and do not care about any other law, and that investor guidelines supersede State and Federal Law. Additionally, they stated " California law doesn't faze me ''. 

Since we end up having to file complaints on every file we have with LoanCare it is apparent they are not training their employees at all. Their employees do not know the difference between a lien and a financing statement, do not know how to read a HUD, are attempting to act as title and escrow ( which is a conflict of interest ), and do not understand Lien Priority. They have a training program that seems to be based on learning from their mistakes and CFPB complaints. 

Please reference the following complaints that we have filed on LoanCare : XXXX XXXX XXXX XXXX For once we ask that LoanCare 1 tell the truth 2 dont try to commit a RESPA violation or other type of short sale fraud when reviewing their files. 

I want them fined the maximum of $ XXXX and for them to undergo training to learn how to properly service their loans. If they are refusing to adhere to their servicing obligations and are not willing to abide by California State and Federal Laws, then they need to be banned from doing business in the entire nation. 


CC : For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair

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 2023-04-05
Company: Experian Information Solutions 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 they violated my rights. 
Please delete the following items : XXXX Account Number : XXXX XXXX XXXX  Account Number : 1313 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.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo let my checking account get overdrawn. This account was opened with Wells Fargo 's guarantee that this type of account was impossible to overdraw.

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 monetary relief
Consumer complaint received 2020-09-20
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries not authorized.

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 2023-01-03
Company: Experian Information Solutions Inc.
State: GA
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 credit federal act my rights have been violated by these companies i know my right under the 15 u.s.c. law ... # XXXX XXXX XXXX XXXX is still reporting my credit after its been closed out and charged off for over a year i tried before to have this matter solve.. # XXXX XXXX XXXX is reporting false information to collect money.. # XXXX collection account id reporting false collection on my credit report # XXXX is reporting late payments that was already discussed

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 2019-06-03
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I show three derogatory accounts with the credit bureaus and I'm puzzled as in how this would occur. I have been XXXX for 10 years, which would be 2009. It is impossible for me to have done this. This is not at all fair to me and needs to be removed indefinitely

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
requested actual signed contract with my signature XXXX and capital one have not sent me that contract as of todayXX/XX/2018 I filed with the XXXX a complaint case XXXX even they could not get a contract. XX/XX/XXXX claims verified but I requested a copy of there investigation they also claimed they would send a copy of there response by mail never did I waited the extra 10 day for there letter never came .I have been trying to get this matter settled for over 90 days with no luck to show its even my account I feel my rights are being violated to this point capital one refuse any information enclosed is my XXXX case file to be down loaded I do not owe anything on this account I did offer a settlment to have this removed from my report completely is account even tho its not mine, My settlement offer still stands that I sent them {$300.00} dollars. a restricted offer 22 pages they sold contract to portifolio recovery equifax in there dispute asked i contact capital one i did refusal to comply by them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-24
Company: EQUIFAX, INC.
State: GA
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:
Equifax hack has led me to believe all of my information has been hacked. I have proceeded to check a free credit report to find any unusual activity. There was none at the moment. In fear of future fraud, I have placed a credit alert for 90 days. I am deeply frustrated with the mishandling of the personal information of millions of Americans. It is incredibly irresponsible for a company whose business is dealing with credit reports has such lacking security. The way the company has handled the fallout is also irritating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-05
Company: EQUIFAX, INC.
State: OH
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 XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX OH XXXX DOB XXXX SS XXXX I am not an attorney or a third party, I am filing a complaint on behave of myself. 
I have been traveling back and forth from California to Ohio for the past 3 years. I am however an Ohio resident. I am requesting a copy of my full XXXX XXXX, Equifax and XXXX credit reports. I am not sure how all this works but I would like a Security PIN from all 3 so I can protect the integrity of my credit profile.

Company response to consumer: Closed with explanation