BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
XXXX TRANSUNION Method of verification request To whom it may concern This letter is in response to your recent claim that the following account down below verified the accounts they are reporting is accurate.

Please be advised that Im exercising my rights under the FCRA 611 ( a ) ( 6 ) ( b ) ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by agency including the business name address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher if reasonably available In compliance with this method of investigation request provide the following XXXX XXXX / XXXX / XXXX The description of the procedure used to determine the accuracy and completeness of the information. 
Name, address, and telephone number of each person contacted regarding this alleged account. 
A copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 
Any automated response or XXXX verification is unacceptable. I am requesting a re-investigation along with your method of verification. 
The item in question is inaccurate and represents a very serious reporting error. 
I expect to receive a response within 15 days of receipt of this letter in compliance with the FCRA. If not, I expect this item will be removed from my credit files immediately. 
please provide the information on this site!

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 2020-05-05
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife XXXX and I ( XXXX XXXX XXXX ) refinanced mortgage on home loan in XXXX of XXXX. Went from Prime Lending, A Plains Capital Company to XXXX bank for my mortgage on home at XXXX XXXX XXXX XXXX XXXX SC XXXX loan # XXXX A disbursement check ( # XXXX ) from escrow was mailed out on XX/XX/XXXX in the amount of {$3400.00} from Prime. The check was lost in the mail and I received it in XXXX of XXXX and could not cash check because it was older than 180 days. I called Prime to reissue the Check on XX/XX/XXXX. XXXX indicated there was no problem and they would reissue check. 

I have been trying to get that reissued check for 2 months with no success. ( Prime claims there is a glitch in their system ) I have called Prime in excess of 10 times over this period. 4 supervisors over this period were to have called me with how they were going to expedite the check. Not one of these supervisors ever called. When I asked for a number I could call to get a supervisor I was told numerous times I would just have to keep calling the main customer service number and get transferred to a supervisor. This was not true. All call center reps work from home. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX Prime loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: EQUIFAX, INC.
State: MS
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXXXXXX, XXXX XXXX XXXXXXXX , XXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX, XXXX XXXX XXXXXXXX, XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: GEMINI CAPITAL GROUP, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called today to discuss Complaint Numbers XXXX and XXXX. She states she did see the complaint but that it was not my name. Therefore, she was unable to speak with me regarding the protests. I explained to her that the case goes back to XXXX. She explained that was not a valid case number on her end but gave me a corrected case number of XXXX. She gave me numbers for senior resources then we were disconnected. I tried to explain to her, as I had previously stated, that I had credit protection from XXXXXX/XX/XXXX at that time when I went to court for the garnishment. Still, I could not find the documentation I saw, and I am attaching this case. It is dated XXXX XXXX, 2002. I also have other documentation from XXXX regarding my accounts. Since there is a garnishment, I would like to have this removed from my account. I am a senior raising my XXXX-year-old granddaughter, who is an orphan. I called today hoping to resolve this but was disconnected. Also, I received a notice sent to my school account that I had to start paying {$50.00} per month to them without notification to a school email which is not one that I usually use. 

Plus, there are two accounts and I have credit protection on both accounts in which I did list both numbers below.

Also, I am disturbed about this entire situation from Gemini Capital Group, and my credit did improve, and now I feel if I don't pay this {$50.00} to them, it will severely impact my credit again. I wanted to speak to someone today, but it was mute. I hope you can help me. 

Thank you. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2019-05-21
Company: CL Holdings LLC
State: AZ
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:
The document that I have attached will reflect the dates and amount that the account was paid off on on. I settled this XXXX account with Jefferson Capital systems back in XXXX of XXXX. The account is still showing as a charged-off bad debt on my credit report which is an FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: Experian Information Solutions Inc.
State: MS
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. ..XXXX XXXX XXXX  XXXX, XXXX   XXXX XXXX XXXX, XXXX/XXXX XXXX   XXXXXXXX XXXX/XXXX XXXX   XXXX, XXXX XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home ... XXXX   XXXX, XXXX XXXX, XXXX/XXXX  XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the 3 bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
Ive disputed several times with the credit bureaus that my account with XXXX should not be showing as charged off every month because it affects the statute on that particular debt. Ive tried contacting the company and tried to dispute several times just for the account to keep reporting as a charge off every single month. Ive even asked them to remove the account from my report and neither of the XXXX bureaus have yet to do so. They are XXXX XXXX XXXX by continuing to report as a charge off each and every month.

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 2020-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2018-08-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, and XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with TOYOTA MTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and TOYOTA MTR with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX / XXXX-XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America gave customers, to include myself, a credit ( advance ) on XX/XX/2021 that I did not give my consent to. I do not have overdraft protection either. They charged me fees for transactions they allowed to go through when they shouldn't have as I did not set up overdraft protection. If there is no money in my account, no transactions are supposed to go through. And, I filed for bankruptcy so any fees like that were supposed to be returned to my account. On XX/XX/XXXX, they took back the credit that I did not consent to which caused my mortgage check to bounce and they charged me a {$35.00} NSF fee which they will not reverse. The agent I spoke to on the phone stated that the IRS mandated that they provide an advance credit. I asked for the letter in writing where the government mandated this and the consent form to advance credit my account which again, I did not ask for nor give my consent. She said she could not provide that and I asked her for someone to call me back today with when I can expect those documents as I need to resolve this because my mortgage check bounced and I now do not have the funds to cover it due to them taking this {$500.00} out of my account. I asked why they did not take those funds back as soon as the credit hit my account as we had been getting this credit for several months in 2021 for the IRS. She said it was to give people a break which makes no sense. No one called me back. I called again and they said that there were no notes from my call about what I asked to be provided to me. They said someone would call me back today but no one ever did.

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 2018-02-23
Company: Mercedes Benz Financial Services
State: DC
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:
Mercedes Benz sold me a vehicle XXXX. The car did not last according to the contract. Mercedes did everything in its power for me not to own the car outright. I paid or financed XXXX for the car, I was down to XXXX owed for the car, before it was repossessed. XXXX tried to collect XXXX for the car after repossession ; in which, I do not have and filed on my credit report. I paid Mercedes cash. MercedeXXXX failed to ensure motor vehicle safety and provide passenger motor vehicle information from all information systems, including about prior owners and incidents.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-21
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I bought Furniture at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX TX on the XX/XX/XXXX. The cost of the Furniture was {$2000.00}, so the Seller got me a finance Company called ACIMA CREDIT LLC to finance the loan. He told me that I will not be required to pay any interest for 3-6months. After the purchase, ACIMA deducts {$160.00} to {$160.00} from my account every two weeks. I called ACIMA on the XX/XX/XXXX to complain of my financial hardship and to know how to clear the loan. To my surprise, their Customer representative told me that the total amount I need to pay is {$4400.00} and that I just paid about # XXXX XXXX and my balance should be {$3.00}, XXXX. I told her that I will not be able to pay that amount unless they want the Furniture back. She said that she will send me a return slip but that I will forfeit the amount I paid already. I called ACIMA again today and was told that the 3 months Grace period expired on that XX/XX/XXXX. Meanwhile, I called ACIMA on the XX/XX/XXXX but the Representative I called did not tell me about that. I now opted to pay the remaining {$1000.00} to close the case but was told that I need to pay {$2300.00} including the {$1000.00} deducted from my account by ACIMA. Since XX/XX/XXXX was the last day for their grace period for the loan, I am required to pay interest of {$1300.00} for taking a loan of {$2000.00} for 3days. This is very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Shellpoint Partners, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Pandemic, my mortgage company allowed Pandemic forbearances. I received this and assumed I was still in the forbearance period. Friday or Saturday Last week, ( XX/XX/XXXX or XX/XX/XXXX ), we received a notice of foreclosure via certified mail. I call the mortgage company yesterday ( XX/XX/XXXX ) and told them that I thought we were still in the pandemic forbearance period. They said that the forbearance ended in XXXX. I asked why didn't someone cal me or email me to tell me that I needed to do something prior to the foreclosure starting. They said they didn't have authorization to call me or email me. This is not true, as I have emailed and called and been called in the past. I also stated that I thought they were not allowed to foreclose during the pandemic and that there was a relief program in place for pandemic sufferers. 
The person that I spoke to was rude, continually interrupted me. Repeated the same thing over and over. Would not deviate from the scrip he was clearly reading from. When I asked to speak to a supervisor, he told me that there were none available. This could not be true. If there are people working, there are usually supervisors available.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
To Whom It May Concern : My name is XXXX XXXX. I as alerted from my credit monitoring service that new inquiries were noted on my credit file. So I randomly Transunion credit report and noticed unauthorized inquiries listed on my credit report. I have contacted each company listed and have been given the run around. They have stated that there were no accounts in my name I am responsible for but stated I need to contact the credit bureaus as well. The credit bureaus can only investigate and remove hard inquiries. I have been a victim of identity theft in the past and this really scares me. I want to take any action possible to settle this asap please. I would like the hard inquiries removed. Someone have applied for items in my name and they need to be removed. I have frozen my credit report as well for added protection. According to the Fair Credit Reporting Act, the items must be removed. These are listed on my Transunion Credit Report. The unverified inquires are listed below : XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 I, XXXX XXXX , am giving full authorization for this request and removal of hard inquiries as stated above. The purpose of this request is for the removal of hard inquiries on my credit report as listed : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021 2021

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