BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Santander Consumer USA 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:
This was brought to our attention from underwriting for a home mortgage and we are under contract and two weeks from closing. One payment from XXXX during the pademic is preventing my approval and the negative information should not have been reported. I'm referring to year XXXX  which was a difficult year financially for my household. We were having challenges with our car payment. I received an extension on my account in XXXX and made a payment it was stated that the payment went towards XXXX but if I was approved for an extension in XXXX why was my credit reported that I was 30days late in XXXX and XXXX. I then was approved for a pandemic hardship program that allowed me to make one payment which I made in XXXX and XX/XX/XXXX payment and was approved for two past months XXXX and XXXX or XXXX and XXXX to be deferred to the end of the loan and my payments would be up to date nothing reflecting late. They stated that even though the program was approved and everything was up to date it still showed late payment and had to be reported automatically through the system. The way they report is a month delay or behind and it does not reflect the current account status that was reported to the agency. XX/XX/2021 was not a late payment on my account I was approved for an extension for that month and made a payment as well as made a payment in XX/XX/2021 and received approval for pandemic hardship XX/XX/2021 that took two past payments XXXX and XXXX that moved them to the end of the loan and my account was placed in a current status. But the report was reported for XX/XX/2021 as late. I am requesting for the XX/XX/2021 late payment to be removed from all credit reporting agencies because the information is not correct it was reported wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-04
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
Credit Acceptance is reporting on me and my husbands XXXX credit reports that {$3300.00} is owed but the account was resold at auction. Credit Acceptance was supposed to send us proper documentation of their Right of Redemption : including  amount of outstanding balance, deadline to redeem the loan, method by which to redeem or payoff Notice of sale : Intended date, time and location of sale of vehicle at auction. A description of how I can obtain an explanation of how proceeds of sale are applied to debt obligation and contact info to find out more information about upcoming sale. 
Post sale notices about if vehicle was sold being provided with account of how proceeds were applied. 
They havent provided me with the information that they were supposed to provide me with. It is my right to know what happened to said vehicle and why am I still been charged when I am not in possession of said vehicle. No docs about how much vehicle sold for, when or where it was resold.

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 2021-03-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I'm still in school and scheduled to graduate with aXX/XX/XXXXdegree in XX/XX/XXXX from XX/XX/XXXX. The issue is that XXXX XX/XX/XXXX XXXX First Mark Services ) is expecting my repayment of the loan to start in XX/XX/XXXX. They are constantly calling my co-signor daily asking to pay for payment, that according to them it is due now. My co-signor is a XXXX XX/XX/XXXX who is very busy with her patients. 

I have called numerous times to have them fix this issue, which looks like a minor issue with their system. I have also asked my university to send verification for my graduation date. They did that on XX/XX/XXXX via an email to customer support. Whenever I call, they say it shouldn't be an issue going forward, but the harassment calls have not stopped. I also, added my father so he can speak to a manager as my co-signor or I do not have time for long waits. My dad did call yesterday and spoke to a manager by the name of XXXX and she said that all is resolved and they have also received confirmation from my university. My dad also asked to send an email to me and the co-signor confirming everything is resolved at their end. So far we have not received any email from the manager. 

Seems like one department does not talk to the other and they are too lazy to correct the issue with the collection department. The issue is where it was 4-5 months ago. 

I'm forced to report this else whereas I'm running out of options. I did see multiple complaints about First Mark on XX/XX/XXXXsite with similar issues to mine Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have file a complaint with the federal trade commission and the better business bureau because to my knowledge I do not recall any these accounts. I need this problem fix ASAP. I should not have to wait another 50 days to receive no response because clearly you guys dont appear to care. I demand these accounts are deleted immediately or I will file for ligation due to the stress you caused me. 
Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days give a reason to immediately remove those item from my credit report it has been over 50 days so they should be deleted promptly

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 2020-01-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I.Q. Data International, Inc. sent me a letter on XX/XX/XXXX stating that I owe a balance of {$910.00} from the XXXX XXXX ( NV ). I showed a zero balance after vacating the apartment on XX/XX/XXXX and even received a refund because I gave proper notice. This debt collection agency advised me to get a letter or written documentation from the apartment manager. On XX/XX/XXXX, I went to XXXX apartments to get documentation. The apartment manager told me they do not provide that but that I could call them back and let them know that I will send a copy of my refund stub as proof. So I had my mother speak this time and the first person she spoke to ( agent XXXX ) was very unhelpful saying that this would not be sufficient and that they are already sending me to collections. This upset my mother who stated she would file a complaint and the representative was even more rude saying to go ahead and file. She then called back and spoke to a Supervisor, XXXX, who immediately began speaking with an attitude before my mother could explain the situation and told her that she is disconnecting the call since my mom was planning to file a complaint. She then hung up on my mom without even giving her an opportunity to try to resolve anything. This is totally unacceptable behavior. I then called the Corp office for XXXX and they are going to research this issue, but in the meantime, this debt agency is abusive and should not be sending me to collections for something I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is reporting fraudulent and erroneous information

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 2020-01-04
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:
On XX/XX/XXXX, I created a free account with XXXX  and checked my credit report for the first time. I was unable to get a credit score because my credit report has no accounts as I have never applied for credit. However, there were some addresses that were on my credit report that I have never lived there. And there were 5 collections account present in my report from companies I have never received services from or permitted anyone to use my name. I was informed by XXXX XXXX police department that these accounts are fraudulent and i was given resources to report this. I filed a police report and some other reports to protect my identity. Here are the fraudulent Collections information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX AT XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX   AT XXXX XXXX XX/XX/XXXX Here are the fraudulent addresses : XXXX XXXX XXXX XXXX , XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: CAC Financial Corp
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2020, CAC FINANCIAL CORP add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: EQUIFAX, 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:
I have several inquiries on my credit report that were not authorized and are unknown. Ive tried disputing with the companies but I was told to dispute with the credit bureaus. Ive disputed with the credit bureaus several times but XXXX  is the only bureau that removed the inquiries. XXXX  and Equifax have not removed those inquiries. I have not given my authorization for the inquiries and I do not recognize any of the companies. Ive asked for them to send me written proof of my signature of authorization and they can not provide this information. I would like for these inquiries to be removed from my credit report for all reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting has violated my rights act # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 usc 1681 section 602 A states I have a right to privacy 15 usc 1681 section 602A section 2 states a consumer reporting agency can not furnish account without my writteni instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Cottonwood Financial Ltd.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Debt originally owed to Cottonwood Financial, dba Cash Store, I am unaware of the amount due to that the current company, XXXX, will not provide me this information, nor will they provide me a mailing address for correspondence. I have received repeated threatening calls from XXXX XXXX who identifies herself as a Compliance Officer who accuses me of negligence, and that a Process Server is being dispatched to my home and place of employment. She is also calling the references that I provided at the time of the loan, threatening them stating I have not been in communication although I have on several occasions. She indicates that I have the legal right to contact the office that is processing my case, she provides XXXX and a file number. Each time I contact that number I speak with a rude and abusive gentleman who refuses to provide me any information other than who the debt was owed to, which I already know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: Experian Information Solutions Inc.
State: TN
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:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with XXXX XXXX due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: NAVY FEDERAL CREDIT UNION
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have filled a despite with the bank of fraud to include police report they are refusing to do anything and not honor their site of XXXX  liability and temp credit right after filing. 

I have sent them a police report to prove it is fuard as I was saving everything I can for a move. And i realized after the move what has happened. As we had moved due to my husband 's health been crazy. Ill lost my job as well not have internet and won't be able to get my husband his medicine now. 

On top of that, they have held my paycheck and tax return deposit for 15 days. I have been told by serval people on the phone that it's because the despite I filed was a large amount of XXXX plus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There are items on my credit report that are not true, incorrect, not mine, unverified and not my responsibility on my credit file. I am a victim of identity theft. According to 1681 c 2, you must remove and block any information of a consumer in which the consumer identifies as information resulting from alleged identity theft within 4 business days. I have provided the consumer reporting agencies with notification of my identity theft on XX/XX/2022 and XX/XX/2022. As of this moment, the fraudulent accounts remain. My rights as a consumer have been violated. No account can be furnished on my credit file without my written consent. I have given no written consent. This is a violation of 15 USC 1681 a 2. I am demanding that you cease and desist all forms of communication of these fraudulent accounts directly or indirectly to any person through any medium. My consumer report is being used as the medium. Communication is happening when the false accounts on my identity theft report are being illegally furnished on my credit file. My financial reputation has been damaged. I am dealing with mental distress due to this defamation. If these accounts are not deleted immediately, I will not hesitate to take immediate legal action against you and any other furnishers of these false, non-compliant accounts on my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
TD Bank will not allow me to move money from my checking account into another account at XXXX, a California based bank. It seems as if TD does not want its customers to do business with any bank that has ties to crypto currency. 

XXXX has more trusted customers than XXXX XXXX, and I should be able to move money freely between MY own bank accounts. TD should remove the restrictions from their customers accounts and " allow '' them to legally do business with whomever they choose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly urge you to promptly address this error, clearing me of any responsibility. It is vital that you conduct a thorough investigation into this matter and swiftly rectify the mistake. Your immediate attention to this matter is highly appreciated.

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 2021-07-18
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance through New Rez, my mortgage company, in XXXX of XXXX. 
This company strung me along for months, sometimes asking for docs, sometimes w/o a word.I complained by phone, numerous times. I finally got a denial of application XX/XX/XXXX. This process was excruciating, during a time I needed the extra support. In XXXX I lost my job which was with a nonprofit. I was not able to attain unemployment because of the status of contractor for nonprofit. The situation became worse. It should not have taken New Rez, more than 6 months for this process which ended in denial.This company, formally know as XXXX, has been my mortgage co. for 13 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have mailed and submitted my identify report several times and the items are still on my credit report. I need them removed per the attached 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 non-monetary relief