BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-27
Company: Experian Information Solutions Inc.
State: OH
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 was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, Experian, XXXX  ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/2020, my car was stolen. I reported it stolen to the police & have been trying to obtain the police report since. I have let XXXX and my gap insurance know this. XXXX has payed {$10000.00}, their portion toward the car. The gap insurance says that they need the police report to pay for the other {$4000.00} ; however, before I could get the police report the car was placed negatively on my credit. I have been trying to obtain a police report, but due to Covid, XXXX City Hall is closed. The gap insurance refuses to take the information to obtain the police report themselves.

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 2019-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX, XXXX, Transunion ). They  have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-06-15
Company: Experian Information Solutions Inc.
State: NJ
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:
BUSINESS ACCOUNT BEING REPORTED AS PERSONAL ACCOUNT XXXX XXXX XXXX {$6800.00} out of {$8000.00} Opened XX/XX/2020 ( 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 non-monetary relief
Consumer complaint received 2015-07-14
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX of 2014 I applied for a loan modification with Nationstar Mortgage. I 've been jumping through the hoops for the LAST YEAR to get the loan changed to lower payments ( like they used to be with Aurora Loan of {$1500.00} a month ). Last week I was called, and told that I did not qualify for a loan modification. When I originally applied ... .I was starting a new business, and did not have the funds to make the new payment of {$2800.00}. I requested that they be {$2000.00} or less. And could they lower the principal loan amount, as the home has dropped in value. They had recorded with the XXXX County Recorder, a default of loan. So they can start foreclosure at any time. I 'd gone through this with Aurora 5 years ago ... .and they lowered my payment. But when it was sold to Nationstar ... ..it immediately went up. My new business is doing well ... ..and profits are up. I 've attached my XXXX most recent bank statements ( personal and business ). 
Thanks, for you help. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I made a transfer from an overseas account-XXXX pensions-into my New York based account at J.P. Morgan Chase on XXXX XXXX XXXX of XXXX Euros. There was a digit wrong on the account number. XXXX and I both informed Chase of the error that same week. XXXX days after the transfer was made. Chase maintained for several weeks that the money never arrived into the mistaken account and they had no idea where the money was. This despite several Swift recalls on the part of XXXX. When Chase finally declared the money was in fact, in the incorrect account most of the money had been taken out. Chase said they had no recourse and returned to me in XXXX only XXXX USD of my money and then finally gave XXXX USD saying that was all the money that was left. 

Chase has refused to put anything in writing about this incident. They were informed nearly immediately about the mistake and did nothing to correct it in a timely manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Submitted proof to Equifax that XXXX XXXX had removed the collection off of my XXXX-XXXX   Account on XX/XX/2019. It is still on there. XXXX XXXX Has legal responsibility to me as a Consumer to remove this OFF my XXXX and Equifax reports as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: BSI Financial Holdings, Inc.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage Loan with BSI Financial ( XXXX : XXXX ) was recently transferred to XXXX XXXX ( XXXX ). I made my first payment with XXXX XXXX last month and they haven't updated my balance. At the same time BSI Financial is saying that I missed a payment. BSI wouldn't answer / reply to emails probably because they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Improper use of credit reporting; Credit ran without consent.

Creditors Name:

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 non-monetary relief
Consumer complaint received 2021-08-19
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have attached two accounts that all are reporting inaccuracies to all three of my credit bureaus. As per the FCRA anything thing reported in my name to all three of the credit bureaus should be reported 100 % accurate. I would like to have these accounts deleted due to not following the FCRA and reporting 100 % accuracy to all three of the credit bureaus. I have attached highlighted pictures of the inaccuracies.

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 2020-11-04
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Collection account for XXXX for {$570.00}. Ive tried to settle the debt with the collectors but the collectors will not agree to a deletion letter or pay for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: LEXISNEXIS
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: Information belongs to someone else

Complaint:
My Consumer number is XXXX and Case number is XXXX. As I reviewed my report I noticed numerous errors and information that doesn't belong to me. Here is the information that doesn't relate to me : Email addresses XXXX. XXXX..Phone numbers : XXXX, XXXX. Addresses : XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX, XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. And these are not my insurances XXXX XXXX  and XXXX XXXX. And XXXX is not my social security number. Please remove all these inaccuracies off of my report. I haven't been successful getting a rep to assist me on the removals of these inaccuracies. This is my last attempt to have these items removed otherwise I will sue for defamation under the fcra 623. Also please mail me an updated full disclosure report to me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15
Company: NATIONSTAR MORTGAGE LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind with my mortgage payment around XX/XX/XXXX because my business income had decreased. I had to close my XXXX and find work. In XX/XX/XXXX I found employment. The damage was already done I had no choice but to file bankruptcy in XX/XX/XXXX. Then XX/XX/XXXX I went thru divorce. In XXXX XX/XX/XXXX I hired an attorney to help me apply for loan modification with Nationstar. This process took some time. XXXX XXXX I was denied because due incomplete application. My attorney resubmitted my paperwork again XXXX XX/XX/XXXX. This time I got approved for loan modification for HAMP. My attorney received an email from the foreclosure attorney for Nationstar stating I was approved for HAMP on XXXX/XXXX/XXXX and the first trial payments starts XXXX/XXXX/XXXX. As of today Nationstar has failed to provide the approval of the trial agreement. We have called and emailed the attorney for status of the agreement and they have failed to provide. I am asking for your help to find out if I was approved for loan modification and if yes, why is it taking them so long to provide the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
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:
I settled my account with Portfolio Recovery and it was supposed to be removed from my credit reports per my request and agreement when I made my settlement payment but on all of my credit bureaus it is sill showing a {$0.00} balance and has not been removed. 

XXXX XXXX account should not be in collections. The school was not supposed to send due to making payments to XXXX University as agreed upon with the student financial services department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Paying bill on time through my banks bill pay. Company Not processing payments in a timely manner once they are received. Charging {$35.00} late fees. Customer service representative barely speak english and would not reverse late fee. Demanded i make payments over phone and insisted on me making another payment, even though one was not due for another 22 days.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-24
Company: Paramount GR Holdings, LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On Friday, XX/XX/2022, I financed {$1500.00} through GoodLeap for XXXX tune-up services by XXXX XXXX XXXX XXXX XXXX XXXX  before the work was completed ( See Exhibit A ). Unfortunately, XXXX caused great harm to my HVAC system by leaving an operable system inoperable after servicing my HVAC. As a result, I complained to XXXX on Sunday, XX/XX/2022, and canceled payment and financing through Goodleap. According to the GoodLeap Retail Installment Contract ( Exhibit B ), on pg 2, it states that I " may cancel this transaction prior to midnight of the third business day after the date of this transaction by sending the attached Notice of Cancellation to GoodLeap ... at XXXX XXXX XXXX XXXX, XXXX, CA XXXX '' Consequently, I have through Wednesday, XX/XX/2022, at midnight to send my cancellation to GoodLeap. 

My cancelation actions were numerous, including : 1 ) On XX/XX/2022, emailed GoodLeap at XXXX ( Exhibit C ) 2 ) On XX/XX/2022, replied to their GoodLeap app on origin.goodleap.com that I was canceling the transaction and provided the reason for rejecting it ( Please see phone screenshots of my submission and confirmation that my submission was " Successfully submitted '' in Exhibit D ) 3 ) On XX/XX/2022, before the XX/XX/2022 deadline, I sent the Notice of Cancelation to GoodLeap at the required address via Certified Mail. Please see a copy of the signed and witnessed " Notice of Cancelation ( Exhibit E ), a photo of the Certified Mail letter I sent ( Exhibit F ), the Certified Mail receipt ( Exhibit G ), and the USPS Tracking Delivery and Receipt by a GoodLeap employee confirmation ( Exhibit H ).

However, I continued to receive loan notices from Goodleap indicating that my loan ( # XXXX ) had not been canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27
Company: LoanCare, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The servicing company has scheduled a disbursement from my escrow account to pay real estate taxes which is significantly greater than the amount due. I've tried twice to contact the escrow servicing area to request that the scheduled amount be reduced to the invoiced amount. They have been totally non responsive.

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 2019-03-31
Company: SYNCHRONY FINANCIAL
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:
I have spoken to the creditor ( BELK ) in regards to this matter and to no avail the matter still hasn't been handled. My complaint is in regards to the original creditor ( BELK ) selling my debt to a third party ( XXXX XXXX XXXX, XXXX ) in which the original creditor and the third party both are reporting the exact same debt to all three credit bureaus. This is a double infraction on my credit reports. I want the original creditor ( BELK ) to delete these accounts from all three bureaus since they sold the accounts to XXXX XXXX XXXX, XXXX on XXXX. Please find correspondence letters from BELK the  original creditor attached.

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 2018-02-04
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I HAD XXXX WHICH IS A MEDICAL CARD FROM THE STATE OF ILLINOIS. THEY STATE SHOULD OF PAID THIS WHOLE BILL. THE HOSPITAL DID NOT CHARGE THE RIGHT INSURANCE AND I HAVE TOLD THEM THAT BEFORE

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 2019-10-27
Company: FC HoldCo LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
We took this loan on a car that has being used both me and my husband. Meanwhile, we have been paying for slightly more than three ( 3 ) year since XXXX without default to our payment and on time. First thing we detected was that the vehicle was defected and we took it back for about a week and they solve the problem and we were talked into taking it back, which we did. We then realized that the interest far exceed the capital payment on the vehicle we confronted the and the just told us is because of the GAP insurance so we relaxed and move on and soon then come the catalyst converter which cost us money to get a used on to replace because we where badly in need of a car for family use. 
Unfortunately, the car has been involved in a car accident with a total loss, meaning the car is total and our insurance company have written it off. 
They have decided to pay for the car at it value which does not reach the balance owed on the car. We called the loan company on Friday the XXXX of XXXX, XXXX about the situation but the trying to play games about the GAP covering. We have agreed to allow the of {$7400.00} XXXX XXXX XXXX XXXX XXXX dollars ) been payed to the and the GAP according to the cover the rest as they said the amount of {$11000.00} dollars is what that s left on the loan. This mean, we have waved our right to own the car in spite of having paid {$12000.00} or more on this car, since the beginning of the loan. We can afford to pay a single penny more to was what we see as manipulative loan agreement and total loss on our side for such a loan.

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 2023-06-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
my identity was stolen someone is using my credit and they keep putting back on 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 non-monetary relief
Consumer complaint received 2022-09-25
Company: Experian Information Solutions Inc.
State: OH
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 # USBK COURT 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 explanation
Consumer complaint received 2020-12-27
Company: General Motors Financial Company, Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

Company response to consumer: Closed with explanation