BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
Company Inquiries 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 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 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

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: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2018-03-05
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX : XXXX : Account XXXX We are in receipt of your letters of XX/XX/XXXX. On behalf of our daughter, XXXX, we dispute the claims made by XXXX and XXXX XXXX XXXX. 

We informed both XXXX and Nelnet previous to our XX/XX/XXXX payment of $ XXXX ( confirmation XXXX ) that XXXX has been living out of the country, has been unemployed and has executed a Power of Attorney so that we may pursue reformulation of her student loans that we have previously paid. Default was threatened at that time and I confirmed with both XXXX and Nelnet that said payment would stop such actions pending reformulation. 

If such is not the case, then XXXX and Nelnet may be guilty of deception. 

Sincerely, XXXX cc. XXXX XXXX XXXX XXXX Nelnet Consumer Financial Protection Bureau

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: STERLING JEWELERS, INC.
State: FL
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/15 I have an account that was opened in my name and i sent a letter to the creditor as well as XXXX. XXXX  allowed these accounts to be opened without getting the proper id and now these accounts are having a negative impact on my credit. I want them to send me idenification and solid proof that I opened this account not papers and activities that happen on the account because that's not helpful .... 

Jared XX/XX/15 Kays XX/XX/15

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: IL
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2020-02-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I attempted to open a checking account based on advertisement. The online application was completed in full and all procedures adhered to. The bank displayed a message stating that " additional verification was necessary ''. While this is understandable, the bank did the following : 1 - Dialed the fax number I provided in the application process repeatedly but did not transmit anything.

2 - Sent text messages to one mobile number I have, unrelated to the account, without any authorization - this number was not provided to the bank in the application. 

The bank has engaged in questionable activity - dialing my fax repeatedly without sending anything and sending out multiple text messages to an unauthorized number without purpose or ability to reply to. Then, I received a letter by mail stating that they are " unable to verify applicants identity '' and thus to open an account. I sent a fax to the Operations Center detailing the activities and demanding an explanation, but received no reply.

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 2023-07-12
Company: EQUIFAX, INC.
State: MO
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:
During the COVID-19 pandemic, numerous individuals, including myself, have faced financial challenges due to the economic downturn and various hardships caused by the unprecedented circumstances. In light of these circumstances, it is crucial that accurate information is reported on credit files, reflecting the accurate financial standing of individuals during these challenging times. I am writing to dispute the inaccurate information that has reported on my credit file, which is in violation of the provisions outlined in 15 U.S Code 1681s-2 ( a ) ( 1 ) ( f ) Responsibilities of furnishers of information to consumer reporting agencies which states : ( F ) Reporting information during COVID19 pandemic ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.

President Biden ended the Covid-19 Emergencies on XX/XX/XXXX which means covered period ( bb ) applies in regards to these inaccurate accounts. I attached dispute letter pertaining regarding the account i'm referring to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-05
Company: HYUNDAI CAPITAL AMERICA
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: Account status incorrect

Complaint:
I had my vehicle stolen and burned. I contracted Hyundai XXXX XXXX about the situation and they told me that was fine and insurance would cover the issue. Insurance took care of the issue several months later, but they claim that I still owe {$1400.00} on the account from the months that were not paid. This has been over several years now. I documentation from them showing that the account is paid in full. Yet they refuse to change it on the credit bureau report and they say that I still owe them {$1400.00}. 

I have disputed this issues with all 3 credit bureaus ( XXXX XXXX and XXXX XXXX XXXX and requested a validation and to receive the information from the validation. No information has ever been received from any of the three credit bureaus. XXXX list the amount owed as {$4200.00} ... 

Hyundai XXXX XXXX and the 3 credit bureaus have ignored all request in regards to updating this information properly. 

See the enclosed attachments ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Refinanced my house with Cash Call Mortgage ( CCM ) First payment made on XX/XX/2020 Principal {$480.00} + Interest {$740.00} + Escrow {$410.00} Total {$1600.00} with additional payment of {$500.00} towards principle. Without any notification from CCM my loan was transferred and only got to know through a confirmation letter from XXXX XXXX XXXX  dated XX/XX/2020. Now the issue is that although additional payment of {$500.00} shows in CCM Payment History under Due Date XX/XX/2020. But the Total Loan Amount of {$230000.00} shows on XXXX XXXX XXXX Statement instead of {$230000.00} This issue is still not resolved by the CCM since XX/XX/XXXX. 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A representative claiming to call on behalf of Wells Fargo called my private cell number stating they were calling on a debt from my former mortgage company which was closed since XX/XX/XXXX. They did not read mean any mini-XXXX  and claimed they could keep on calling as long and as often as they wanted to. The call came in at XXXX PST from XXXX-an Arizona number. On the call, I explained that this debt was past the statute of limitations for collections. To which XXXX XXXX said they can still continue to call me regardless and make efforts to collect a XXXX debt even though it as past the SOL. The representative identified herself as XXXX XXXX and her supervisor as XXXX XXXX. When I told her to never call my private cell number again she said I was personally liable for the debt and they would still call. No effort was made by WF to tell me they were calling on a SOL expired debt, no notice of debt was sent to me, and no effort was made to inform me of my rights.

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 2021-11-03
Company: Southwest Credit Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Multiple discrepancies with original servicer of account. I have an active current account with the original servicer that is paid as agreed. Some how a equipment discrepancy from a previous address was reported as a collection even with me still having active services. I had to go to the branch and suffer through multiple rude and disrespectful customer service agents. Only to prove the error was internal and should never have been sent collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
LoanDepot does not meet their obligations and will make every attempt to steal your money. It failed to apply the Principal Reduction amount to my new loan as shown on my closing statement. It has been 15 days since the loan closed. Several of its employees have acknowledged that it should have been applied based on the documentation, don't know why it wasn't, and claim to be escalating the matter to get it resolved and they have not. I get useless responses and then handed off from one department to another.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: WELLS FARGO & COMPANY
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello me and my family have been scammed for a house. We found the house online and contacted the owner and everything seemed fine until the keys never showed up we signed a 1 year lease that was signed by an attorney it was after that we sent the money XXXX for rent witch was XXXX and a deposit XXXX when the keys didn't show up within the 4 days allotted time on the contract we called a locksmith to see if he could help up and he informed us that the house was for sale and already has a sale pending on it. We have copies of all the documents exchanged even his I'd please help us. That was all the money we had. We also paid the application fees when we did the application. My email is XXXX and my phone number is XXXX my name is XXXX XXXX please let me know if you can help

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 2023-01-30
Company: Radius Global Solutions LLC
State: PA
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:
On XX/XX/XXXX I had contacted Radius Global to pay off a collection account in full. As I'm a veteran, I have been in a process of being able to get approved for a VA home loan. Upon speaking with the financing company, it was plainly stated that the only element stopping me was the collection account from Radius Global. 

The account was sent to them from the XXXX XXXX XXXX, in the amount of {$410.00}. I had spent a year in battle between the property management company, and the XXXX XXXX XXXX trying to resolve the issue. 

In XX/XX/XXXX I had to relocate from my apartment in XXXX back to XXXX. Upon my move-out, around XXXX I was informed that there would be no technicians available to get a meter reading as they were short staffed because of the XXXX pandemic. The property stated that everything was okay and they would be in communication to ensure the electric service would be reverted back to them. THEY NEVER FOLLOWED THROUGH. It was months until anything changed- until a new tenant set up service. So all heating through the winter, electricity used when they were doing any improvements or even showing the unit WAS AT MY EXPENSE.

I'd requested that Radius Global delete the account in return for my payment so I can simply move on with my life. A representative transferred me to a manager, for him to say " we don't do that '' and that he could forward a request to the " department '' in charge of credit reporting. But in his opinion, my reason for the request was based on " want '' and not " need ''. 

This is a disgusting practice, as I've been wronged by a total of 3 different business throughout the entire endeavor. I was offering payment on a silver platter, and after telling my story I was told it was my fault because I should have told them to shut off the electric service. The man cared nothing more than making himself feel superior because I suppose he's never had to fight so much to pay for something he never even utilized just to simply use a benefit he's entitled to. 

There is absolutely NO REASON for a company who never had anything to do with the debt other than buying it from someone else to keep something like that on a report. I suppose I'll live in my apartment in a progressively more unsafe area forever because a company is lazy. So much for utilizing the benefits I sacrificed years of my life for.

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 2018-03-05
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE)
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:
I finally had the chance to thoroughly check my credit report, I am trying to improve my credit score so that I can buy a house in the future. However, I know I have horrible credit and I have not applied for anything because I know it would be pointless and will get denied right away. 

Looking at my credit report I have decided to contact everyone on my credit report such as collectors, so that I can be in good standing but I noticed that some hard inquiries have been made in my name by an unknown source. How they obtained my information baffles me. 

I don't know how I can get such items removed from my credit report as soon as possible. I am attaching a document that states the inquiries that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: ALLY FINANCIAL INC.
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
1. I leased a new XXXX XXXX on XX/XX/XXXX with 39 monthly payments of {$360.00} as the terms of the lease. Ally is the Lender, and XXXX XXXX XXXX ( XXXX, OH ) was my Car Dealer. 
2. Paid each month to Ally on time and in full for 35 months ( last payment made on XX/XX/XXXX ) 3. Sold my XXXX  to XXXX XXXX ( XXXX XXXX XXXX ) and leased a new truck from the same dealer on XX/XX/XXXX. 
4. XXXX XXXX overnighted payment on XX/XX/XXXX to pay off my existing lease with Ally on XX/XX/XXXX. 
5. Check from XXXX XXXX was cashed by Ally on XX/XX/XXXX and was posted to my online account. 
6. I never received payoff confirmation from Ally or closure of my account notifications. 
7. It has been over 43 days now since the lease was paid in full and my account is now showing in a past due status. 
8. I next contacted XXXX XXXX on XX/XX/XXXX to confirm payment was sent to Ally. It was. They also stated they had had over 15 similar situations with Ally beginning in XX/XX/XXXX - approximately 15 transactions similar to mine. 
9. I contacted Ally 's Lease/Dealer numbers the same day - XX/XX/XXXX, with no resolution or explanation. I tried again on XX/XX/XXXX - twice - each time I was instructed to contact the Dealer for resolution. 
10. The call center was located offshore, and there was no concern or urgency to address my situation or transfer to a supervisor who could assist - even when I inquired. 
11. Ally has provided me no other means to resolve this issue.

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 2020-12-02
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: Investigation took more than 30 days

Complaint:
Found issues on my reports So I sent the bureaus disputes after reading about the laws W all identity & proof FCRA ACT etc. 30 days to comply n so forth as my right Sent all 3 bureaus 2 letters each 30 days apart ( no timely response/reply ) 1st XX/XX/XXXX Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX 2nd Exp XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2018-07-23
Company: Experian Information Solutions Inc.
State: MD
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:
In 2004 I file bankruptcy and these old accounts reappearing. With new dates, I dispute with credit Bureaus but do not remove

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 2021-07-21
Company: Experian Information Solutions Inc.
State: NH
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:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2018-09-29
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: Information belongs to someone else

Complaint:
I have FTC Report # XXXX for identity theft for fraud. XXXX XXXX  account # XXXX has been compromised. Please review report and attached documentation. Block information immediately from my credit profile. FCRA guidelines states all fraudulent and identity theft activity must be blocked 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