BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-20
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have an auto loan with XXXX XXXX XXXX on XX/XX/XXXX. I unfortunately had to declare bankruptcy in XXXX, XXXX. I signed a reaffirmation agreement on XX/XX/XXXX with XXXX stating I would continue making my regular monthly auto payments to XXXX XXXX XXXX. My bankruptcy case was XXXX XX/XX/XXXX. 
One week ago, I tried to refinance my car in order to get a lower monthly note. Upon finalizing the deal, the lender told me they could not finish the loan due to the fact that XXXX has NOT reported ONE single payment after my bankruptcy to any of the three credit reporting bureaus. I called my attorney, she re-sent me the Reaffirmation paperwork, I called XXXX XXXX XXXX back and told them they were obligated to report my monthly payments to the credit bureaus and they told me, after speaking with the manager on duty, they did NOT and would NOT ever be reporting any payment of mine since the discharge nor any future payment I made. I asked what my options were and they told me : I have one option ... pay the entire loan off. What a XXXX auto loan company ... that IS against the law and I want to know what you will do about it since I see there are MANY unhappy customers who have also been screwed over by XXXX XXXX. This is grounds for discrimination, defamation of character and surely an FCC violation and fraud! Please teach XXXX XXXX XXXX a valuable lesson so they do not have the chance to hurt other vulnerable blue-collar workers just trying to take care of themselves and their families, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Westlake Services, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am still paying my car loan however the loan company Westlake has closed out the account and is not reporting my current payments. They have also in the past on a previous loan took {$3700.00} out of my bank account and refused to refund the money and just sent the title instead. Westlake is operating fraudulently and false reporting to the credit bureau in retaliation to me hiring a lawyer.

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 2020-07-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/2020 I sent a validation request to Wakefield and Associates certified mail receipt XXXX. To this date I have not received anything pertaining to my request regarding this account, however I continue to get collection calls from the company even though they have yet to validate. I have been called from XXXX as well as XXXX from Wakefield. They both called and made contact with either myself or voicemail. After contacting me/leaving a voicemail, continuing to call the same day is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: Linebarger Goggan Blair & Sampson LLP
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I do not owe any XXXX amounts or any fines in XXXX or XXXX. Erase my information from your database.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have multiple incorrect addresses and a social on all 3 bureaus and I want them removed. I also have different names that I disputed and they are still on there

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 2018-12-26
Company: Experian Information Solutions Inc.
State: MO
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 did not open the following XXXX XXXX account on XX/XX/2015, the account is not mines and I'm asking for it to be removed, and/ or provide me with physical documentation as stated within the FCRA law.

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 2019-06-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
I had a lease taken out with Nissan Motor Acceptance XXXX to which all payments were made in a timely manner. At the end of the lease they sent a separate bill for the over mileage etc. Since this is a different agreement it should be reported separately not as part of the lease.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX myself and my wife were discharged from Chapter XXXX bankruptcy. Continued to make voluntary payments to first mortgage holder ( Loan Number XXXX ) Nationstar Mortgage ( dba Mr.  Cooper ) until it became impossible to continue. XX/XX/XXXX applied for Deed In Lieu program with Mr. Cooper. Was accepted into program and on XX/XX/XXXX Mr. Cooper offered the second trust holder XXXX , XXXX ( Loan Number XXXX ) {$6000.00} to release the 2nd lien ( see attached ). 
Mr. Cooper did NOT follow up with XXXX, XXXX and allowed their XXXX program with me to expire. I contacted XXXX by phone twice and lo and behold on XX/XX/XXXX ( see attached ) XXXX accepted Mr. Cooper 's offer of {$6000.00} provided they received said {$6000.00} by XX/XX/XXXX. When I notified Mr. Cooper I find out that my DIL with them had expired. I got it re-instated and was told that they had everything they needed and were waiting for the final approval from their Underwriter which they expected shortly. Things dragged along with Mr. Cooper and I contacted them and was told not to worry that even if they got final approval from the Underwriter in early XXXX it was more than enough time for them to make the payoff to XXXX by XX/XX/XXXX. 
In the interim, unbeknownst to me, Mr. Cooper had referred my loan to their attorneys for foreclosure and the foreclosure sale date is to be XX/XX/XXXX. I was very upset but was told that as soon as they got the final approval and paid off XXXX they would tell their foreclosure attorney to withdraw the foreclosure and everything would work out fine. 
Well it didn't work out fine. Yesterday ( XX/XX/XXXX ) I get a call from Mr. Cooper telling me that since it took so long to get to this point ( which was all due to Mr. Cooper 's foot dragging and incompetence ) that their Investor had decided there was not sufficient time to get all the paperwork done prior to the XX/XX/XXXX foreclosure date and withdrew their commitment to purchase the loan. Now unless I get some quick help from the CFPB my former home is going to be foreclosed upon instead of a Deed In Lieu. This is totally unacceptable! I went above and beyond to live up to my end of the bargain while Mr. Cooper dropped the ball several times. I want you ( the CFPB ) to make them honor their commitment to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Shellpoint reporting 60 days late in XXXX. This was never late. 
The payment was made just was never transferred from previous mortgage company.

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 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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 2021-02-25
Company: AMERICAN EXPRESS COMPANY
State: NJ
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 was AMERICAN EXPRESS customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account XXXX XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently sent a request for validation not verification letter to Cavalry Portfolio Services , LLC. I received back a generic letter stating that they reviewed the dispute and verified the information listed on the account which verification and validation are 2 different things.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There are several issues regarding our XXXX XXXX XXXX XXXX loan information. First, our last payment was XX/XX/XXXX and it shows XX/XX/XXXX. The account is closed, charged off as a bad debt, P & L write off as shown on our credit report. Although it is closed and charged off, they continue to report  to the credit bureaus each month and add interest. The account is past the statute of limitations and needs to be completely closed, with no further reports to the credit bureaus. It also needs to be removed from my credit.

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 2021-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was a victim of Identity theft and previously had the debt removed from all credit reporting agencies but Experian is refusing to remove again. I have submitted supporting documentation showing that I'm currently involved in a civil case with XXXX XXXX. i requested all debts be removed pending the outcome of the court case. Once the facts are heard in court they will actually owe me money. 

XXXX XXXX Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$14000.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$14000.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$14000.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation  Info This item was updated from our processing of your dispute in XX/XX/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 2019-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 several unathorized inquires that I have contacted Transunion about stating they are not accounts I have applied for and they said they will not let me dispute them. Which is totally illegal. I have the right to have incorrect information taken off my credit report. 
I have contacted every listed company, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 

I am humbly asking that you request that Transunionto initiate an investigation the into inquiries on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the inquiry. 

The inquiries are XXXX Inquiry fromXX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX ( XXXX ) XXXX XXXX Inquiry from XX/XX/XXXX I would also like to ask the name of every inquirer to please relay the information to the bureaus to delete this information. 

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 explanation
Consumer complaint received 2021-04-28
Company: Checkr, Inc
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
False information about my background is keeping me from working and I need this repaired immediately the company is not telling me why I'm not getting hired to drive and I want what's bad in my background removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Experian Information Solutions 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:
XXXX XXXX. XXXX XXXX, XXXX, CA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Please update my phone number to my fraud alert : XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX {$860.00} XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$3900.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-26
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
See my complaint under feedback from another complaint. U.S.Bank result are unexceptionable.My closed complaint XXXX result are unexceptionable.

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 2018-12-10
Company: EQUIFAX, 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:
In the month ofXX/XX/2018I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-10
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:
In the month of XX/XX/2018 I disputed via mail certain accounts and inquires that appeared to be erroneous reported on my credit report. I am a victim of identity theft and I am in desperate need of these items being reviewed and blocked.

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 2020-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
This is now my fifth complaint. For weeks and weeks we have asked the Bank of America to lower our monthly car loan payments to {$500.00} because of the novel coronavirus pandemic. We are senior citizens with very serious medical conditions that place us in the HIGH RISK CATEGORY of contracting the deadly and highly infection novel coronavirus! Therefore, we can not work. Mrs. XXXX had to quite her job because of the novel coronavirus. 

We have repeatedly explained all this to the Bank of America but the Bank of America refuses to help us! So very, very cruel of them! 

We are making monthly payments of {$500.00} and shall continue to do so until the loan is paid off! 

We have even suggested to the Bank of America that it raise the interest rate on the loan. 

The difference between the original loan payment of {$770.00} and {$500.00} is {$270.00} per month. Surely the Bank of America which is one of the largest and wealthiest banks in the USA if not in the world can bend a bit and help us out!

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 2023-02-20
Company: PINNACLE FINANCIAL PARTNERS, INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
-I redeem silver certificates, federal reserve notes, state notes, etc at the treasury per : 31 U.S. CODE s.s. 5118 ( gold clause ) -S 9-307 LOCATION OF DEBTOR. 
( h ) UNITED STATES is located in DISTRICT OF COLUMBIA. 
-As one of the nation 's Creditor 's, I choose to bank privately, using LAWFUL MONEY ... federal reserve notes are LEGAL TENDER, and never fully offsets a debt. I use my LAWFUL MONEY to discharge obligations by CHECK, DRAFT, ITEM, BILL OF EXCHANGE, and PINNACLE FINANCIAL PARTNERS LOCATED AT XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. MY ITEM ARRIVED CERTIFIED MAIL, I CALLED TO CONFIRM PINNACLE FINANCIAL PARTNERS RECEIVED THE ITEM, AND A XXXX XXXX XXXX INFORMED ME THAT HE RECEIVED THE ITEM, AND HE WOULD HONOR, SIGN, AND SEND MY INSTRUMENT TO THE TREASURY TO BE CREDITED TO THE CUSTOMERS ( MYSELF WITH XXXX XXXX XXXXXXXX ) ACCOUNT. ALMOST TWO  WEEKS GO BY AND I SPEND THE NEXT WEEK TRYING TO FIND OUT WHAT HAPPENED. I REACHED A XXXX XXXX WHO HELPED ME LOCATE THE ITEM A FEW DAYS LATER. THEN THEY IGNORED MY CALLS, AND I REACHED OUT VIA EMAIL, AND THEY INFORMED ME THAT THEY WOULD NOT SIGN AND SEND THE INSTRUMENT. DISHONOR IS UNDERSTANDABLE, HOWEVER ARTICLE 3, SECTION 503 OF THE UCC STATES THAT THE FINANCIAL INSTITUTION MUST GIVE NOTICE OF DISHONOR NO LATER THEN MIDNIGHT THE NEXT BANKING DAY. I'M VERY CONCERNED WITH THE AMOUNT OF INSTITUTIONS THAT FAIL UNDERSTANDING OR READING THEIR OWN BANKS TERMS AND CONDITIONS AND POLICY. I SIMPLY FOLLOW THE RULES AS HONORABLY AS I CAN. I SIMPLY WANT THIS FINANCIAL INSTITUTION TO DO WHAT IS WRITTEN IN THEIR POLICY.

Company response to consumer: Closed with explanation