BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-03
Company: Experian Information Solutions Inc.
State: SC
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 obtained a loan from XXXX XXXX XXXX XXXX in XXXX XXXX for the amount of {$14000.00}. I paid on the car up until XXXX XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was pregnant may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

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 2017-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 obtained a loan from XXXX XXXX XXXX XXXX in XX/XX/XXXX for the amount of {$14000.00}. I paid on the car up until XX/XX/XXXX, 9 months before my loan should have been up but it was repossessed by XXXX XXXX after I spoke with them and set up a payment plan. I owed a payment and a half {$530.00} on the car but they wanted {$2000.00} to get it from out of repossession. The whole time i had the loan everytime I was late their " financial advisors '' would always " restart '' my loan to give me time to pay this resulted in me paying over {$12000.00} and only having {$4000.00} reflect on the loan. After repossessing the car they put an amount of {$10000.00} on my credit report. They then sold the car for {$3300.00} and preceded to hound me for the XXXX. Finally at some point they sent letters requesting smaller and smaller amounts. Then this XX/XX/XXXX I received 2 letters from XXXX XXXX both checks from both accounts I had with them. Redress checks {$3000.00} for the auto loan and {$20.00} for the credit card account. I then preceded to take action to have the accounts finally removed from my credit report. I was successful with XXXX but was told by the other two credit agencies that the information was correct and I still owe the money. I 've tried contacting XXXX XXXX by phone to ask about the redress and why I still owe and no one can answer if I owe and how much also they said I had to write them if I had further questions. I 've wasted a lot of time and money on XXXX XXXX the past 6 years. Thousands and thousands of dollars with no car to show for it. They constantly sent me letters and calls always threatening to repo my car and the one time they do, while I was XXXX may I add. They did not once tell me they were going to repo it that day we had an payment plan in place and they took that action knowing I would not have {$2000.00} that would n't even go towards the loan but fees and ect. I would like XXXX XXXX XXXX XXXX to compensate me the full amount of the auto loan and credit card. I would also like them to remove their accounts from my credit reports and completely sever ties.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: CA
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:
FTC attached shows few fraud account opened under my name and used and misused. 
i have disputed these irrelevancies with XXXX and experiqn, some have been deleted but these three account are screwing my credit and are inaccurate, please have these account removed from my credit reports, i have never lived under these addresses these creditors have, and few personal information were inaccurate, these do not belong to me please help me. 

thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XX/XX/2017 / account # - ( XXXX ) / amount {$2100.00} I did not open this account. I sent a letter to the debt collecting agency over 30 days ago, no response. I also reported it on the credit karma and instead of verifying the requested information it was considered " verified ''. A copy of my signature on an original contract was not furnished at the time of this " verification '' process. 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 


Please note, since I have already sent this letter over 30 days ago with no response my rights have already been violated.

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 2019-04-01
Company: Experian Information Solutions Inc.
State: NC
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:
Received attached letter back from Experian Dispute results against XXXX XXXX XXXX and original debtor " Just Military Loans ''. This account was included in Ch. XXXX Bankruptcy discharged in 2017. It is the only company that will not adhere to Federal Law and remove their negative mark on my credit. They continue to list the account as " Charge Off '' which is incorrect and untrue.

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 2019-04-01
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Company acquired our mortgage from original lender last summer. At the time, we were told that all practices with previous lender would be assumed by the new company. One of these was the annual payment of our county taxes. As we had not any issues with original lender, I did not worry about any issues with the new bank. However, the check writing company used by the new bank improperly coded the annual payment made in XX/XX/XXXX such that half of it was sent back. I was never notified of this error. Rather, I became aware of it later in the fall ( early XX/XX/XXXX ) when I received an invoice from our county tax office indicating that I owed the second payment. When I called the tax office to inquire as to why, I was told of the check writing company 's mistake ( again, I never received any notice from the new bank as to this error ). Moreover, I was told that the company had realized their error in the previous month and were working to make sure it was not repeated going forward. However, the company made no effort to correct the past error. I called the new bank to inquire and confirm that they would be making the 2nd payment. I was told that they were working the issue and would pay the taxes in time. Trusting them, I wrongly assumed that everything would be properly taken care of. Thus, i was very disappointed to see that my taxes had been paid after the deadline ofXX/XX/XXXX and that I was therefore charged a 1 % late fee. When I called the bank to complain in mid XX/XX/XXXX, I was given the run around and only recently told ( after multiple follow up calls ) that it was my fault that the bank was late in paying my taxes - and that they therefore would not be reimbursing my account the 1 % late fee incurred. The exact reason for this reasoning is still unclear as I thought that was why I paid into an escrow account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Waypoint Resource Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A few months I sent Waypoint Resource Group a letter stating I never received any info notifying me about the debt. I understand that I have 30 days to dispute their claims. I sent a letter asking them to validate the debt. 

To Whom it may concern, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. The proof initial letter was sent notifying me of the debt.

2. Proof that you have the right to collect this debt in my state.

3. Proof that your company carries a bond.

4. Proof that the Statute of Limitations has not expired.

5. Complete payment history on this account along with an accounting of all additional charges being assessed.

6. Copy of the original contract bearing my signature.

7. Your license numbers and Registered Agent 8. Name and address from the original creditor.

9.. Proof that you either own or were assigned the debt from the creditor.

Please do not send a computer printout itemizing your outstanding debt, as this is not sufficient proof according to the Fair Trade Commission opinion letters. 

Thanks, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: Guild Mortgage Company LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/2016, I went to a specific mortgage company ( Guilds Mortgage-Sparks NV headquarters in XXXX XXXX, CA ) because they were on the Nevada State 's Home buyers Program Home Is Possible website as a Mortgage Credit Certificate " participating lender ''. The loan officer there said she would help me apply, but later was giving me the run around whenever I mentioned the MCC program. Until today still no Mortgage Credit Certificate. Stupidly, I trusted them to know what they were doing. It seems wrong for the lender to " advertise them self as Nevada HIP-qualified lender and know nothing about the first time home buyer programs except get money for down payment and its a quick sell for them. I fully qualified for this program, completed all require training as it was presented to the XXXX XXXX  XXXX Senior Advisory Committee by XXXX XXXX XXXX XXXX, Home buyer Programs Supervisor ( XXXX ) XXXX. 
Guilds Mortgage should take financial responsibility for their mistake. I lost Mortgage Credit! This is how incompetence lenders should be REWARDED! Taking advantage of the public trust, well just good ole first time home buying working folks NOT MORTGAGE EXPERTS! Now its TAX time and no credit in site. Loan sold within weeks of closing.Guild failed to adequately supervise. 
Cc : Attorney General, The Department of Business Oversight ( DBO ), Conference of State Bank Supervisors ( CSBS ) and the American Association of Residential Mortgage Regulators ( AARMR ), XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-02-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been harassed daily by Portfolio Recovery about a debt I don't owe. This company also put the account on my public record, and its affecting my credit approvals and mortgage options. I want public record deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
a ) My monthly payment is $ XXXX/mo.

b ) I pay my own taxes and insurance. 
c ) I issued advance payments for {$1700.00} each covering thru XX/XX/XXXX. 
d ) Shellpoint has my account past due/foreclosure/default for {$28000.00} ( approx ) as of XX/XX/XXXX. 
e ) On XX/XX/XXXX, I issued two payments ( {$3500.00} tot ) for {$1700.00} each by mail since I could not issue an auto/electronic payment since they have the account in " default '' status. 
f ) Shellpoing has stated the last payment was received on XX/XX/XXXX covering thru XX/XX/XXXX. 
g ) Shellpoint has added " forced lender insurance '' for {$5500.00} for XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
My wife bought a new XXXX XXXX in XX/XX/XXXX, she does n't work so they needed to run my credit, I was very adamant about only running it 1 time, VERY ADAMANT! Because I own several businesses and need excellent credit for growing them. After not receiving any registration or payment information on the vehicle we started calling XXXX  XXXX in XXXX XXXX NC, and Capital One Auto to find out where our info was so we can make our payments, Capital One said that XXXX XXXX messed up the paperwork and needs to resubmit it, by that time it had been more than a month and Capital One pulls my credit once again without my permission, I have contacted both XXXX XXXX and Capital One numerous times and no one seems to want to do anything, all said and done my credit was pulled 3 times for 1 loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 opened an account with XXXX XXXX in XX/XX/XXXX and I had to pay my account by XX/XX/XXXX which was 60 month term loan. 
I paid off my account in XX/XX/XXXX, 9 months early. 
I received a letter from XXXX in XX/XX/XXXX stating I have {$29.00} dollars with {$10.00} late fee still to pay and I paid that immediately upon receiving the letter, this was my only notification. 
I am an XXXX and XXXX XXXX with a busy schedule. 
My understanding was that I had paid off my account in XX/XX/XXXX. 
Now chase reported that I had a late payment. 
The late payment they say is for {$39.00} dollars which was my interest only and I wasn't aware till I received the letter. 
I did not get a phone call at all regarding my payment. 
I have requested them to remove my late payment, they said they do not see any late payments which is true but refuse to take the 30 days late payment off from my credit report. 
I have tried several times but unfortunately they said they can not remove it and asked me to dispute with the credit bureau. 
I would like CFPB to request the XXXX XXXX XXXX to remove the late payment of {$39.00} dollars from credit reports which was the interest money after I paid off my principal amount in XX/XX/XXXX. 
Can you please address this and remove the late payment from my credit report payment history. 
My intention was to pay off my auto loan as soon as possible. 
I think it is only fair that the interest amount should not be made my late payment after I completely paid off my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-17
Company: GOLD KEY CREDIT, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Gold Key Credit INC is trying to charge me the amount of {$710.00} and I was never affiliated with this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX XXXX XXXX I did not approve this I wrote a letter over 45 days no response

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 2018-03-25
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Found this collection item on my credit report. Signed over the vehicle to XXXX XXXX XXXX. Collection item is outside of California Staute of Limitations.

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 2018-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Recently saw a copy of my credit report i see there are over 15 inquiries that i did not authorize furthwer more i reached out to these companies and they said they do not have any application with my name or social. Furthermorei have a security freeze on my account so these un authorized inquries would stop, here are the inquiries i have also attached a copy of my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CITIBANK, N.A.
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a reward points from Costco City Credit Card for around {$150.00}. The company forfeited all the points stating that I did not renew the Costco Account. I had moved to XXXX and they dont have a Costco there. So I could not renew it. Hence asking me to renew the costco account was not justified and on top of that they forfeited all my reward points and now harassing me for debt collection. 
I contacted the company multiple times and they will said they will not give the reward points back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, 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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation