BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-26
Company: AAS Debt Recovery, Inc.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
This account was my checking account. This account was hacked and there was fraudulent transactions made on it. It was brought to my attention three days later when I received a letter in the mail that the account was overdrawn. They did an investigation found out where bad checks were used on my account. Then a week later I received another letter stating I have to pay this amount back and totally blamed me! Now they know where it came from no where close to where I live. This account is FRAUDULENT. They would not consider investigation further into it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have an FHA primary mortgage with LoanCare. The loan servicing company is XXXX XXXX XXXX. On or about XX/XX/XXXX, I received an alert from XXXX XXXX informing me that LoanCare put adverse information on my credit report due to an unpaid {$750.00} fee. I communicate with LoanCare staff on a regular and recurring basis and was not informed of this fee. When I called LoanCare representatives, they stated that my mortgage loan is current and there are no fees due. My online account with LoanCare did not reflect the {$750.00} fee. However, it did reflect a {$15.00} fee for the month of XX/XX/XXXX which I paid promptly along with my mortgage on or about XX/XX/XXXX. On XX/XX/XXXX, I left a message on LoanCares customer website and requested that a manager contact me so that I could determine whether there was a {$750.00} fee and the reason for the fee. On XX/XX/XXXX, I spoke with XXXX ( Employee ID # XXXX ), a manager with LoanCares Customer Service Department, and she informed me that the {$750.00} fee was an attorney fee that LoanCare charged that is related to my Chapter XXXX bankruptcy case that I filed in DC Bankruptcy Court on XX/XX/XXXX ( Case Number XXXX ). XXXX XXXX, Bankruptcy Attorney, represented me in Case Number XXXX. In XX/XX/XXXX, Mr. XXXX voluntarily dismissed my case at my request. On XX/XX/XXXX, I sent an E-Mail message to XXXX XXXX inquiring about LoanCares fee in the amount of {$750.00} and he replied to my E-Mail message on XX/XX/XXXX stating that he was never informed of this fee by LoanCares legal representative. My mortgage loan was modified to lower my monthly payment and interest rate effective on XX/XX/XXXX. The trial payments and processing of my loan modification application began in XX/XX/XXXX and ended in XX/XX/XXXX. In XX/XX/XXXX, I was informed by LoanCare customer service representatives that if there were any fees outstanding that they would be removed during the loan modification process.

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 2018-03-04
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: Account information incorrect

Complaint:
I had a recent mortgage modification where it was completed roughly 45 days ago and they are still reporting the old mortgage balance and that I was late with my mortgage payments. Neither of which are accurate. I provided them with a current statement of my mortgage showing it is current and that their balances are incorrect and they refused to recognize that 3rd party documentation as proof that I am correct.

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 2021-01-26
Company: EQUIFAX, 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:
information that does not belongs to me was added to my credit report file, despite several unsuccessful attempts via telephone calls, trying to have the error fixed, removed from my credit file, it seems it was not going to be resolved. I have decided to try different revenues as such. please remove and block the listed negative report from my credit file as they don't belong to me, and should not be effecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a dispute about charges and never heard anything from Chase until I got a bill showing these charges. I sent them a email letting them know I disputed these charges and they said we mailed you a letter needing info and never received anything back. I advised I never received anything from them. So they needed to dispute those charges again. The total amount is {$290.00} I keep sending them a email and all they say is we will look into it. I advised to them I have a payment coming up due which comes from this dispute. When I bring this up they never say anything about this. A credit has not been put on the account to stop payments being due. A payment is due by XX/XX/XXXX. This has been going on with them since last week. I have tried to call them but, they have extended wait times. I'm sending them anywhere from 2-4 emails per day trying to get this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I currently have a {$510.00} debt being collected from a company name XXXX XXXX located in XXXX,XX/XX/XXXX. I sent a certified letter to XXXX XXXX on XX/XX/2020 to validate the debt within 30 days in which they failed to do so as well as another on XX/XX/2020. I then sent another certified letter on XX/XX/2020 advising they failed to validate this debt of {$510.00}. I also sent debt validation letters to Exerian, XX/XX/XXXX and XX/XX/XXXX on same dates and they failed to send any validation of debt. 

I called the XXXX XXXX on XX/XX/2020 around XXXX at XXXX in regards to the validation of debt and I spoke with XXXX XXXX and she stated they did received my letters however due to the 2nd letter sent on XX/XX/2020 she was unable to provide any debt validation. I asked her why are they still collecting on a debt that was not properly validated within the 30 days of the XX/XX/2020 and XX/XX/2020 she could not give me a direct answer. She stated I had to email her manager or supervisor XXXX XXXX. 

The FCRA requires XXXX XXXX or any other debt collector to verify the validity of this debt within 30 days. If the validity can not be confirmed, they are obligated by law to remove it from my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: T.S. Holdings
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 have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: Freedom Mortgage Company
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: Account status incorrect

Complaint:
I have been in dispute with Freedom Mortgage since XXXX of 2019, I have disputed the contract upon which the credit was created to place a mortgage upon my residence. Instead of trying to resolve the matter they have decided to ruin my credit by reporting negatively to all three of the major credit reporting agencies. They have reported the disputed account as delinquent or late instead of disputed. I have told them that what they were doing was illegal and that as long as the account was unresolved in dispute they can not report it as an attempt to harm my credit. They continue to report the account in a negative manner, thus ignoring, my dispute and the Federal Statues that protect me as a consumer. 

I have sent a package to your office with all of the documents regarding my dispute with Freedom Mortgage, I am sending this additional complaint because I received a credit alert and when I checked it Freedom Mortgage had placed another derogatory entry on my file.

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 2022-03-30
Company: Nelnet, 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: Problem with personal statement of dispute

Complaint:
I submitted a Debt Validation Request to Nelnet, an email confirmation was sent to me XXXX/XXXX/2022. The email stated that my request was received and to allow up to 30 days for a response. On XX/XX/2022 I received a letter from Nelnet stating that no adjustment was needed for the alleged account due to their research. THEY ARE IN VIOLATION OF THE LAW! I requested that the original contract with my alleged signature be sent to me, or drop the debt to a XXXX balance and cease and desist all collection practices. However, they never sent anything aside from the email confirmation, and letter stating that the alleged account is accurate based on their investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: FC HoldCo LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent an email to Flagship auto regarding my loan with them on XX/XX/28 after calling repeatedly. My partner and I XXXX  XXXX and i was out of work and needed to make a payment arrangement before my payment came due. My email went ignored and my payment was reported late. I think its completely unfair considering I couldnt reach them at all

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 2020-05-15
Company: FACTUAL DATA CORP.
State: IA
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:
FACTUAL DATA unlawfully pulled my credit report with no permissible purpose. I tried resolving through the credit bureau and directly with FACTUAL DATA but they are ignoring my request. I am requesting the furnisher of information to produce proof of permissible purpose by me or remove the inquiry from my credit reports quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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: Account status incorrect

Complaint:
in XX/XX/XXXX recieved two student loans one for {$4000.00} and one for {$2600.00} both loans were paid in XX/XX/XXXX.but in XXXX i got sick with XXXX and called XXXX  and explained my situation and asked if i can be placed on a deferment while i was going thru XXXX. they said no problem we are still going to charge you interest. i told them thats ok.now that i want to refinance because inerest is low i have late payments on my credit report.i contacted them and they are telling me nobody never called them with a deferment request.i told them my original creditor was XXXX XXXX .so this is my problem can sombody help please.

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 2020-12-01
Company: FC HoldCo LLC
State: WA
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 XXXX XXXX,XX/XX/XXXX FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX On XXXX XXXX,XX/XX/XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XX/XX/XXXX 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX I've disputed these items with all three credit bureaus. I sent the disputes off by certified mail.

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 2021-02-22
Company: GOLDMAN SACHS BANK USA
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:
I applied for a truck loan with XXXX XXXX last week and I was approved. I never had any issues with someone trying to obtain credit under my name before I applied for a car loan. 

I got an alert that someone applied online with Apple with Goldman Sacs or a Apple credit card which I never applied for. I called Apple letting them know this and to close down the account, they would not and gave me the worse customer service I have ever had. They told me I needed to file a police report to get this taken care of. 

I called XX/XX/XXXXto get this off my report, but they said I needed to get a hold of CFPB to file a complaint first to get it off. 

I had this same issue with XX/XX/XXXXand XXXX XXXX, and I called up both companies, and they told me they will send me a letter as well as send a letter to the credit bureaus to take off the inquiry, so they were very helpful, but XX/XX/XXXX and Apple/Goldman Sachs was not. 

Please have the hard inquiry with XX/XX/XXXX taken off of my credit report as I did not apply for an Apple Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX made an attempt to settle this debt, on XX/XX/2020 i was told to mail a check of XXXX to an P.O BOX, Citizens one bank failed to check their mail boxes upon arrival of my check .I have proof of the signed check in which they denied, yet they returned my check 3 months later back dated XX/XX/XXXX XXXX Back In XXXX XXXX notice sent pursuant to Fair debt COLLECTION Practices Act ( 15 USC 1692f ) stating claim and dispute and validation request, in return my check was mailed back months after on XX/XX/XXXX after recieving my debt of validation letter and cease and desist .Under ( 15 USC 1692f ) UNFAIR PRACTICES section ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of mails or telegram, except that a debt collector may use his business name if such name does not indictate that he is the debt collection business.They 've also violated ( 15 USC 1635 ) ( 15 USC 1692b ) ( 15 USC 1692 d ) Harassment ( 4 ) AND ( 3 ) Reporting my information to reporting agencies or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) .. Please remove this account off my name

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
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: Old information reappears or never goes away

Complaint:
I have mailed the same requests several times to Experian to no avail.

To : Experian According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A  ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if YOU are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. And dont continue to keep putting these back on my credit if you cant validate the legitimacy of these companies. I prepared to take this to court, if I continue to have problems. 


I demand the following accounts be verified with contracts and my signature or removed immediately. 

Name of Account Amount Provide Physical Verification Diversified {$110.00} Unverified Account Diversified {$990.00} Unverified Account Fair Collections {$920.00} Unverified Account * Requesting that you remove all non-account holding inquiries over 30 days old. 
* Requesting that you add a Promotional Suppression to my credit file. 
_______________________________________________________ I dont know the above accounts, nor have I ever had contracts, or business with the above. Out of the 3 agencies, Experian is the most difficult to deal with. They don't follow the federal laws. They have been contacted numerous times to no avail, only additional XXXX of additional paperwork, to which, documents have already been fully supplied to Experian. 

My next course will be to file suit for {$10000.00} in my county for failing to provide the required documents and protection of my consumer reporting file. 

I want them to send me SIGNED CONTRACTS for the above companies. I want my account blocked as requested. Im not sure what they don't understand. 

I send copies of my social security card, drivers license, banking information, police reports, police offer badge # and the discrepancies at hand in copies. 

Tired of playing games with Experian. COURT!!

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 2020-12-01
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a call on XX/XX/2020 claiming there was already a case being brought against me in XXXX XXXX and that I would need to contact the debt collector 's legal department. They also threatened to contact my supervisor. I called the company and the woman I spoke with said I either had to pay an amount that is greater than what I owe during that phone call or I would be sued ( despite the earlier phone call saying there was already a submitted case ) and I would then have to pay more than double the amount. I have also received no written communication about any of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XX/XX/XXXX, and XX/XX/XXXX I reached out to all three credit bureaus reporting that the information on my credit report had been incorrect and that it should be removed I also sent letters stating that the information should not be on my credit report. The all inquiries, collections and the bankruptcy were removed and added back to my all three credit report. I reached out and nothing else had been done even after multiple certified letters being sent. No one has done anything to help my credit report this has done great damage and is a violation of FTCA I have also asked that my inaccurate information be corrected and has failed to do so Please help 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 explanation