BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-07
Company: NATIONS LENDING CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I was preapproved on an FHA loan thru Nations Lending with XXXX XXXX with that info I found a property in XXXX and seller accepted the offer on XX/XX/XXXX. Along the loan process Nations Lending was very very difficult to ever contact for required info/missing info or any guidance. The seller an I agreed to close on this property XX/XX/XXXX which gave each party involved more than enough time to close and have everything ready. Along the process of closing the mortgage everyone at Nations Lending became almost impossible to get in contact with. Even after multiple calls emails and text messages from the listing agent, my lawyer and more they were non responsive for majority of the loan process. Along this process they also ran my credit as a hard inquiry 3 times, twice which they did not even ask permission for. The seller finally on XX/XX/XXXX sent a Time of the Essence letter to my lawyer and to Nations Lending. Although this letter was ignored and since then lead me to lose the property. I have spent a total of {$2100.00} for this property and to lose it due to negligence from " my lenders '' is absolutely upsetting. I am unable to upload documents due to a website error or glitch but have documents available to fax/email once contacted.

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 2019-02-12
Company: Source Receivables Management LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, you all removed Source Receivables management from my XXXX  report a few weeks ago successfully. this account is still reporting on my XXXX  report. If you can get this removed. I would gladly Appreciate it. this account was deleted and later purchased by another Collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
IT HAS NOW BEEN MORE THAN 45 DAYS WITHOUT A RESPONSE FROM THE BUREAUS ON INCORRECT ITEMS ON MY CREDIT REPORTS AND I AM REQUESTING THAT THE FRAUDULENT ITEMS TO BE REMOVED FROM MY REPORTS. ACCORDING TO THE ( FCRA ), A CREDIT BUREAU IS REQUIRED TO RESPOND TO YOU AND COMPLETED THEIR INVESTIGATION WITHIN 30 DAYS. IF THEY DO NOT RESPOND WITHIN THE 30 DAYS THEY MUST REMOVE THE NEGATIVE ITEMS BEING DISPUTED. I AM ALSO ATTACHING ALL COMMUNICATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Reached out to XXXX regarding a credit inquiry added to my credit report XX/XX/2019. I reported the application as fraud. I requested that the inquire be removed as the inquiry was fraudulent. The request was granted but it still remains on my Transunion credit 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 2018-04-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XX/XX/XXXX My wife and I entered into a Debt Relief program with XXXX XXXX XXXX ( XXXX -XX/XX/XXXXXXXX  XXXX XXXX ). We had six credit card that we could no longer pay. XXXXXXXX XXXX XXXX ( XXXX XXXX - Agent for XXXX XXXX ) was one of the debts. They eventually sold the debt to XXXX XXXX XXXX XXXX for pennies on the dollar. All the while I had XXXX negotiate all six accounts. 5 of the debts were negotiated and settled at a fraction of the debt. For whatever reason Portfolio Recovery didn't want to settle the account for less than 80 % +. Original debt was somewhere around XXXX but Portfolio Recovery has it at XXXX. I had a relative that was trying to help us get out of debt and offered a 1 time amount of XXXX to settle the account but was turned down. I asked repeatedly from XX/XX/XXXX thru XX/XX/XXXX thru XXXX to reach a settlement with those funds but they wouldn't accept. Finally I withdrew from XXXX. Portfolio Recovery took up the collection battle starting in late XXXX of this year. Since my wife doesn't work and my income has been very little the last few years ( XXXX  XXXX XXXX XXXX ) we do not have the money to pay this debt. We tried but they wouldn't negotiate in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: General Motors Financial Company, 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:
On XX/XX/XXXX I returned the leased car to the XXXX dealership in XXXX XXXX, CA as it was the last day of my lease. I even called the GM Financial to let them know that I have returned the car as I was required to do so. 
Fast forward, on XX/XX/XXXX I received an update notification from XXXX in regards to my credit report. After checking the report, I realized the false delinquency report generated from the GM Financial. Then, I checked my GM Financial account online to surprisingly/shockingly find out that I've been charged monthly beyond the official end of contract which was XX/XX/XXXX. 
After numerous ( I mean numerous ) calls and emails to GM Financial and lots of stress and being provided with lots of different information and department transfers and on multiple occasions being held on a long hold and then being hung up on. After nearly more than two weeks GM got rid of my false reported balance of more {$500.00}. Then They promised me to also fix the wrong report to XXXX  and XXXX. Which they never delivered and they ultimately asked me to do that, too!!!!

1. I did file a dispute with both XXXX  and XXXX and they both denied my dispute! I don't even think they did anything to fix my report and to help me. This is very scary and disappointing and it causes me to think that why these companies should have so much power and influence on my life, yet they are unorganized and very poorly run. 
2. I have reach out to GM Financial again, because once again there is an automatic monthly charge for me! and also I have asked them to do whatever they have to do to fix my credit report. I haven't heard from them. 
3. Why leasing a car and returning a lease car should be like this and create so much stress and financial disasters for me ( I can't show my credit any where anymore and I have gotten a rejection for rentals, etc ... ). now after all these events, where is the justice, why should GM not get penalized for this? ( I know that I would easily be penalized, punished or even send to jail if I fail to pay a wear and tear ) this is not fair. 
Please help me, you are my last resort ( I even called attorney and nobody takes my case, because there is no money in it, this is a shame ). 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: United Consumers Inc
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was injured at work. All bills were sent into Human Resource department to get bills paid.

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 2017-12-04
Company: Brennan & Clark, Ltd., LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My former employer 's payroll service XXXX mistakenly issued a Direct Deposit into my account on X/XX/17 almost a month after Ieft the company. I received an email only from the company 's accountant advising of XXXX error and that I would see an in and out of the ACH, as they are voiding the deposit. Which is exactly what occurred. The beginning of XXXX I received a letter from Brennan and Clark collections stating I received a letter from XXXX demanding the money back? As per the letter, I emailed them with documentation from my bank that the deposit was voided, and I actually was charged an NSF fee for the bad deposit. My credit union did reverse this as a courtesy due to the circumstances. After 3 emails and no reply from XXXX XXXX XXXX, I called the representative shown in the letter, he accused me of manufacturing the documentation, was rude, threatening and hung up on me. I have since emailed them documentation including a letter from the credit union confirming what occurred. XXXX finally replied and said I still owe them money? I did n't withdraw the funds from the bank, as it was voided the same day. They are completely unreasonable and it 's XXXX sloppy bookkeeping and banking practices that are the issue. I have included some research into Brennan and Clark 's tactics!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: Account status incorrect

Complaint:
XXXX had informed me that the my payments were current. A credit report showed that i was in good standing in 4 loans but not the 7 other loans. I called the customer service rep and they informed me that i was late on 10 loans, and that i should consider placing the loans on deferrment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am disputing incorrect info on my Equifax credit report. I wrote a 609 letter and sent the credit reports certified mail with highlighted problems on XX/XX/2021. It is currently XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: Westcreek Financial
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
While I am not currently experience personal issues with my account with West Creek Financial, I am under the impression that their lending process is not entirely legal. On XX/XX/2018 I agreed to buy a mattress from what I was told was a wholesale retail vendor and opted in for them to finance my purchase of {$300.00} with a {$40.00} downpayment. They made the application process quick, I was told my total was {$300.00} with a {$40.00} down payment required, that the rest of the payments would be done in payments of {$25.00} every other week and I agreed to this. However when the signing process began the agent generated an electronic signature for me, turned the laptop screen towards me and quickly scrolled the pages down and tapped to apply my signature for me for every line. She made the comment that her husband does not even turn the laptop towards customers. There was never any mention of interest, that the item was rent to own, or that if it was not paid in 90 days that I would be charged 45 % more bringing the total payments to {$650.00}. It is in the documents they signed for me without allowing me to read, as they did print a copy to send with me. Also in the documents the " {$40.00} down payment '' is an initial payment that did not apply towards my balance. I know that this entire process violates the Truth in Lending Act, as the fees and full disclosures were NOT PROVIDED UNTIL AFTER THE TRANSACTION. Upon searching this company I have found several other people who has been scammed by this company as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax is not allowing disputes to be filed on-line. They continue to state, over 30 days now, that they are having " technical difficulties ''. These actions are causing consumers to have incorrect information on their credit reports causing lower credit scores, and thus potentially higher interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The credit agency reporting it on my credit report is XXXX XXXX XXXX XXXX But the original creditor is XXXX XXXX XXXX XXXX This was not me, I XXXX it and it said that it was a emergency room in XXXX Louisiana I live in Texas, I have never even been to XXXX before. This was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Occasionally I receive emails from equifax titled : Equifax Confirmation Number : XXXX - Dispute Received ( confirmation number is different with each email ). 

You're supposed to be able to take the confirmation number and log in to check the status of your dispute. Typically it would ask you to verify various pieces of information that would be identifiable by only you, however, the questions that are asked almost never apply to me and I am denied access. I've called equifax on XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ( these are just the documented calls, as I typically call on fridays when i'm off work ). 

Each time they tell me that it's a network issue and they are working on it. The same story for over a year now. This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
XXXX XXXX  repo my car inXX/XX/XXXX. They later sold my auto at auction for {$5000.00}. I recently asked XXXX  to send me a bill of sale for my vehicle. XXXX  want to pay {$14000.00} on this car they repo. I need to see a bill of sale of this XX/XX/XXXX XXXX XXXX They ripped me off! I didnt own that much on this car loan. They are loan sharks!! I need some help!XX/XX/XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying on this loan for 2 years until I could no longer afford to do so. Interested continued to rise and I could no longer afford to make payments on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: LD Holdings Group, LLC
State: AL
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 sent a letter to XXXX stating that I had an errant account from Loan Depot dated XX/XX/2021 with a letter from Loan Depot saying my account was paid in full. XXXX is still reporting that I owe {$280000.00} from Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: NVR INC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I began the process of purchasing a new home with XXXX XXXX in XX/XX/XXXX. During our initial and consequent visits, we made it clear to our sales representative XXXX. XXXX that it clear that we not in a rush to move but we loved the development. We eventually decided to purchase to get ahead of the process with an expected closing date of after XX/XX/XXXX around XX/XX/XXXX. The day we picked the house, it was casually mentioned to us that we have to make a down payment based on 5 percent of the selling price instead of a preapproval letter as a way to get our skin in the game. 

When we got home that Sunday evening, we received a email to make a {$6000.00} payment that was due in 24 hours and to XXXX some paperwork which we did. Next we realized we were expecting a baby and decided it will not be prudent to make a huge financial commitment with a baby on the way and my wife expected to work less. Our saleswoman XXXX.XXXX gave us a hard time even though at that point her manager did not sign the sales contract yet. She was convieniently off grace period for us to cancel the contract was over. My wife lost our baby on the same day. After which we decided to continue purchase the home. Fast forward, in our excitement, we signed other documents that moved our closing date to XXXX. We explained to Sister company ( NVR finance ) that we needed a later closing date so we not have to pay a {$2000.00} rent for our apartment since our lease is over in late XXXX. We have not received a response but we expect huge financial implications. 

In this day and age, I am surprised to see a notable business take advantage of your trust and excitement. So far, the process has been a nightmare. The lack of compassion, manipulative culture is pervasive in both the XXXX XXXX and NVR mortgage. I hope our example can help others. Hardworking educated people like my wife and myself who work 10-12 hours a days, 6 days a week would not have thought it will happen to us but it did.

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX continues to report to the XXXX credit bureaus inaccurate and deliberate false information regarding the initial default date. You will see the attachment documents that support this again after several disputes and ignored by all. 

The proof is here in the documents provided to you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: BB&T CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was charged a late fee for my mortgage payment by BB & T Bank, even though the payments are set to automatic bill pay ( from a different bank, with whom I have a checking account ). The bank from which the payment came states clearly that the eCheck was sent the day it was due ( the same day of the month on which it is always sent ), and it was received that same day by BB & T.

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On 2 separate occasions ( XX/XX/2018&XX/XX/2018 ) I have submitted letters asking Transunion, XXXX and XXXX credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX/2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.

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 2019-02-12
Company: Sterling Infosystems Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On my drivers license report check it indicates that I was sanctioned for vehicular homicide but that is incorrect. The charge was " XXXX XXXX XXXX XXXX '' as no one died in the incident and this can be verified by iowacourts.gov website and the iowa court system. I would like this fixed as XXXX XXXX is a lot more serious of a charge and implies that I am a XXXX even though I have never XXXX   anyone. Thank you. The control number is 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