BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly disputed an account with Experian for creditor XXXX XXXX/XXXX Account # XXXX. Experian has acknowledged that the information submitted by the creditor was submitted in violation of the FCRA Guidelines for reporting a debt to the credit bureau and has maintained that I must continue disputing the item with the creditor directly. I have sent letter and outlined the violation to both Experian as well as the creditor and the item has remained unchanged on my credit report. According the the FCRA 15 U.S.C. 1681c ( 1 ), a collection agency is required to observe a 180 day period prior to reporting to the credit bureau. Experian has acknowledged that the credit received the debt XX/XX/2018 and began reporting the debt to Experian XX/XX/2018. Even with information provided, the statutes of the FCRA and acknowledgement of the violation of the dates reporting, Experian has continued to reject the statues of the FCRA, has continued to report inaccurately and continues to direct the consumer back to the furnisher of the data.

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 2020-03-23
Company: WELLS FARGO & COMPANY
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/XXXX, i called wells fargo dealer services to make a payment through their automated system. My call was answered by a gal and I immediately asked to be transferred to the automated system which she did. I made my payment just as i do every month through this system using the account number on file, always making the amount due at the time of the call and i hung up. This has NEVER been an issue before. I am finding out today that my payment did not go through, it did not clear my bank and so i made a call today. A nice gal by the name of XXXX XXXX answered and she confirmed that i did call on XX/XX/XXXX at XXXX but the info that she has is that i asked for a payoff which I did not do, i merely asked to be transferred to the autopay area which did happen. I made the payment, using my account on file and that was that. I asked XXXX if it was reported to the CBR and she said yes, and i asked her to have it removed as Wells Fargo has the documentation that i did call in. This is negligent on the part of Wells Fargo, they are not willing to reverse a late reported to the CBR although this is clearly a one off situation which is horrible customer service. We hear so many complaints about Wells and as a fellow banker i have always support Wells, until now. When this happens to me, i would imagine it can happen to anyone. I want the 30 day late reversed asap and since all calls are recorded and monitored, i would like the tape of the conversation with the other associate sent to me. I do not typically keep all documentation from the auto payments, but you can bet i will now. I expect a call back or this situation made right in the allotted time allowed by the CFPB. You see, i am also a XXXX, for 32 years now and i know how this works.

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 2020-06-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with USAA and was approved twice. As needed I paid for Inspections, Appraisals, and waited for the closing. Days for the closing I could not reach anyone for the closing documents. After calling a manager I was told I did not qualify for the loan. After months of looking for a home and money send that was that. As a XXXX veteran, I feel mistreated by USAA and its management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-18
Company: Experian Information Solutions 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:
My name is XXXX XXXX my only address is XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX. My SS is XXXX please remove any variation of my name and social security or DOB. I have have some issue with fraudulent addresses and incorrect information on my credit report. I need the following addresses removed : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH 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 2020-06-23
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXX {$510.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting this complaint to inform you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
The following items listed below are unknown to me. 
XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXXXXXX Balance : {$0.00}XXXX XXXX XXXX XXXXXXXX Balance : {$43000.00}, XXXX XXXX  XXXX Balance : {$2400.00}, XXXX XXXX  XXXX Balance : {$10000.00}, XXXXXXXX XXXX  XXXX Balance : {$6600.00}, XXXX XXXXXXXX  ( Original Creditor : XXXX XXXX  XXXX Balance : {$100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX Balance : {$550.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00}, XXXX  XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX TX ) XXXX Balance : {$1500.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance : {$14.00}, XXXX XXXX XXXX Original Creditor : XXXX  ) XXXX Balance : {$5.00}, XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$540.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX Balance : {$22.00}, XXXXXXXX XXXXXXXX  ( Original Creditor : XXXX  ) XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX XXXXXXXX {$510.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Siwell Inc
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I have submitted a complaint previously to the Broker ( XXXX XXXX XXXX XXXX ) as I was told by the Lender ( Capital Mortgage Services ) they were providing incorrect information to me. The complaint number is XXXX. However, after receiving a response from XXXX XXXX XXXX XXXX it was stated that the loan was closed incorrectly and by Capital Mortgage Company. We were originally told that we were going to making " interest only payments '' for the construction period of 12 months from the start of construction. However, that was incorrect. Therefore XXXX XXXX XXXX  XXXX stated they included a reserve account and that would provided monthly payments to our mortgage during the construction period. I've attached the documents that was SIGNED at the closing of our mortgage that states we were supposed to have a reserve account. I have reached out numerous times to Capital Mortgage Company and was told they would provide information and be in touch. This has now gone on for a month and NO ONE has responded or came up with a plan to make this right. We are currently having to make fully amortized payments every month while paying rent and building our home. We also have not received any money for the construction as of today. We closed our loan in XX/XX/2018. So we are also paying on money we don't have! We were told by both our lender and broker that upon closing we would be able to take our first draw. That was not true at all and have no money to provide to our contractor as  of today. I am demanding that something be done to provide monthly payments to our loan each month so we can afford to pay rent and build our home. I also want to be able to make draws on a timely manner so we can fund our contractor up front. No contractor would start the building process without any funds up front. The company that is in charge of processing our draws would like our contractor to pay for all cost upfront then be reimbursed. All of this from the closing of our loan to the draw process seems very unreasonable and I can't imagine this is how things are supposed to be processed. Please let me know ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midwest Recovery Systems recently placed derogatory information on my credit report with all three credit reporting agencies without making ANY contact with me by mail, email or telephone. This is a debt that they purchased from a payday loan company that has already been written off and significantly past the statute of limitations for such debt! This company has a long history of such unscrupulous activity and has lost their accreditation with the XXXX XXXX XXXX. 
I request this derogatory information be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
This has been an ongoing nightmare for 18 months. I applied for a mortgage modification because I was in default for XXXX in XX/XX/XXXX. XXXX. It was a payment of XXXX. 

Bank Of American prolonged this until XX/XX/XXXX, because they wanted to add fees to the account. I sent in document after document for 11 months. I could not pay the XXXX dollars off because they added XXXX dollars to the total amount. 

When I got the document papers, I was told the trial payment was for almost XXXX instead of the XXXX I was told they added escrow payments. I pay escrow payments to my primary mortgage. I sent document after document to Bank of America. I paid XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and I was told my payment for XXXX was XXXX. Ironically, a paid the payment with a representative. I received a note from BOA saying my bank account was not found. ( enclosed XXXX XXXX XXXX XXXX I received another document from BOA entitled trial modification ( these are enclosed ) saying my payments would be {$380.00}. The documents had to be received by XX/XX/XXXX. Again they added the escrow and added in {$2.00}, XXXX. 
They keep adding these " third party expenses '' to my balance. They have added it 3 times. 
I am begging your agency to help me. 
I am enclosing my primary mortgage statement to verify I am paying my escrow to XXXX. 
I am enclosing the documents that BOA sent me. 
I am enclosing the XXXX payment that BOA claims they cant find my account at XXXX bank.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was recently going to check out a new car at XXXX. After carefully consideration I decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and approved for an extremely high interest rate. Which promoted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report. XXXX XXXX XXXX {$3100.00} XXXX XXXX XXXX {$310.00} XXXX  XXXX {$510.00} XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
XXXX XXXX  XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX  Mortgage I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX XXXX did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX  XXXX  I did not authorize XXXX XXXX immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: Gravamen Asset Management Group LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Gravamen Asset Management has reported a debt on behalf of XXXX for the amount of {$400.00}. This was reported on XX/XX/2019. Since then, they have increased the amount to {$790.00}. I've attached to this form documentation that proves that I've pay in full this amount to the previews agency. 
This issues has affected my by losing the opportunity of acquiring a house. This could also affect me on my ongoing investigation for my XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, 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:
There are 3 accounts that I requested information from the companies and only one company responded with a generic letter stating they would send information and they still haven't. The three accounts are old and past the statue of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: Quall Cardot LLP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
( I selected the " too many calls '' option to be able to proceed. 

My debt was written off by XXXX XXXX XXXX in XX/XX/XXXX. The charge off was removed from my credit reports in XX/XX/XXXX. The collection company is still calling and filling judgements against any of my bank accounts 10 years after the write off. 

I am XXXX years old and would like to see this go away before I die. From the research I have done, I guess I have been my own worse enemy, in that I have talked with the collection companies over these years and have admit that I owed the money, which has extended the time for them to continue to file judgements. I don't know if there is a Federal time limit for collection on debts but there should be a limit that a collection company can continue to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
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:
XXXX XXXX XX/XX/2018 Not my account Delete it immediately Account : XXXX XXXX  XXXX  XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX XXXX Not my account Delete it immediately Account : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX A XXXX XXXX This account is not mine Delete it immediately Account : XXXXXXXX XXXX This account is not mine Delete it immediately Account : XXXX XXXX  XXXX This account is not mine Delete it immediately Inquiries : XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately XXXX  I did not authorize Delete it immediately XXXX XXXX I did not authorize Delete it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: FC HoldCo LLC
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinanced my auto loan from Flagship Credit Acceptance to XXXX   XXXX XXXX XXXX. The check was sent from XXXX XXXX on XX/XX/19 and  according to the USPS tracking number was received by Flagship Credit Acceptance at XXXX on XX/XX/19.  Upon checking my Flagship account on XX/XX/19 I noticed that the payoff check had not been applied. I called XXXX XXXX to verify the address the check was shipped to was correct and it was. I then called Flagship and got a rather nonchalant customer service agent who said there was no record of receiving the payoff check from XXXX XXXX. I then called XXXX XXXX and had one of their agents contact Flagship while I was on the line and suddenly they verified that the check had been received and the payment would be applied within the next few days ... however the check from XXXX XXXX was dated until XX/XX/2019. Today is XX/XX/19. This is a concern along with the fact I paid for GAP insurance which should be refunded upon car payoff but I'm not confident that Flagship will do the right thing and promptly send my refund.

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 2019-06-18
Company: Experian Information Solutions Inc.
State: FL
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:
Enclosed/Attached is a copy of my original dispute letter I am writing this due to non-compliance with Credit Reporting Agency Experian They failed to conduct a proper investigation in accordance to FCRA guidelines I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law Because in my review of my most recent Experian report, I can still see inaccuracies and blatant violation. And so, my dispute letter to the CRA dated XX/XX/XXXX, once again Im challenging inaccurate Items ( XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Dispute reason : remove this account because the Date of status date didn't change/updated, this irrefutable proof that no investigation was done as per FCRA remove for violation It is to be noted that prior to dispute with the CRA, inaccurate items XXXX XXXX XXXX Date of status date was ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) - XXXX past due reported on a collection remove for violation After what is known as an investigation that was conducted and completed by the CRA, Experian report still shows the Date of status date didn't change/updated and inaccuracies and blatant violations.

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