BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-20
Company: Experian Information Solutions Inc.
State: PA
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 am a victim of identity theft please remove this fraud inquiry from my 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 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I was laid off work due to a natural disaster ( Covid 19 ) I reported this to the company and they said I would be okay but report my payments late between XX/XX/XXXX to XX/XX/XXXX. By law it should of never been reported and THE LATE PAYMENT should be removed from my credit report ASAP

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 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Back in XX/XX/XXXX, I noticed my credit score had dropped, due to a balance on my credit card that was processed at the end of XXXX. I immediately contacted the company to report the fraudulent charges on my account. I had not used my account in over a year. Unfortunately, I had discovered that my data was compromised during the Equifax breach. XXXX XXXX confirmed that the charges were fraudulent, and as instructed, closed my account in XXXX. 

Although my account was closed in XXXX, my credit report reported a late payment for this account. When I spoke to representatives, they had assured me XXXX XXXX  twice, that my account was resolved and closed, with no balances. This late payment is categorized as 30 days past due for XX/XX/XXXX, how? The company closed this account in XXXX! 

In XXXX, the company instructed I send the company a letter, explaining my situation and how my credit score dropped over XXXX points. I did not hear back .... I called in XXXX, and spoke to upper management and they assured me by XXXX, the changes will be reflected. I called in XXXX, and it was still not reflected, the representative stated it takes 30 - 60 days, but no longer than 90 days. I was then told XXXX definitely. It is near end XXXX, my credit score is still the same ... and this has been a traumatizing experience of over 6 months handling with no progress ... .. I am supposed to apply for a mortgage and this has been very disappointing.. I don't know how else to resolve. This case should already be open on the credit lender.

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 2021-06-22
Company: PENTAGON FEDERAL CREDIT UNION
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have a personal loan and an auto loan with Pentagon Federal Credit Union. Over the past several months, I have been contacted numerous times by the credit union with unreasonable requests and demands. For the personal loan, they continue to send me promissory notes to sign - however, I refuse to sign them because they have the incorrect interest rate listed on the contract. 

With respect to the auto loan, I have been contacted several times to provide a copy of my license and proof of insurance and to sign and return documents. I have done all of these things. They also contacted me requesting the title - so I contacted the previous lienholder and was told it was being sent over again. It was then communicated to me that they had everything they needed. A couple of months later, I receive not only another demand for the title but also notified that my auto loan rate was going to be increased to 14 % immediately. I believe there is something amiss with this credit union and some action needs to be taken so they can get their act together.

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 2021-05-12
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wakefield and Associates has stated that they spoke with me on XX/XX/2020 about this alleged debt. This is not true. They sent a " patient statement '' that has a home address that is not mine. I've never lived at a XXXX XXXX XXXX in XXXX TN. They purchased this debt for pennies on the dollar and trying to make a profit by any means necessary. Their deceitful collection tactics are shameful

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: Santander Consumer USA Holdings Inc.
State: OK
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:
Ive called several times and disputed this on my credit. I lost my business during Covid-19, I called in to see if they would work with which I was told they would. They sent me documents the first time, I signed and they never received them. Answered the phone a month later to only be told I never made my payment. I explained It was supposed to be attached to the end of the loan as I was explained by their representative. I was also, told by their representative on a recorded line that it didnt really matter anyway because late payments would not be reported to my credit during Covid which put my mind at ease. Now, I have 2 late payments on my credit report that are effecting my tremendously as Im trying to get back on my feet after losing my business during COVID-19. Im so disappointed with Santander finance. It is reporting late XXXX and XXXX of 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 15 U.S.C , 1681section 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-05-20
Company: United PanAm Financial Corp.
State: NC
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:
The car was used when I purchased it, on the same day I got the car I took it to my insurance agency to add insurance, the car wouldn't crank back up. Had to end up calling XXXX, explaining to them that I just purchased a car the same day and it want crank and the dealership said that they can't help me that they aren't going to get the car in and fix it, which they called a ( lemon car ), long story short when I got off the phone with XXXX XXXX of XXXX which said that they had to get that car within 24 hours, they came got the car and fixed it enough for me to get it back home and drive it for bout another month, which at the time I told them to come get it, they refused, eventually they came and pick the car up and put it on my credit two times, and they still calling after I keep telling them they sold me a lemon car, I register for do not call in XX/XX/XXXX, and their still calling all month long every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This is a ground for removal they also violated my rights under : 15 U.S.C. 1681 section 602A. States I have the right to privacy. 15 U.S.C. 1681 section 604A section2 : 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 2020-12-08
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XXXX, 2020 I called my insurance company to file a roof damage claim from a storm that occurred in our area. This was a three way phone call with myself, the insurance company and a roofing contractor. Approximately 12 hours later i received a call from my supposed insurance company stating that my policy was cancelled in XXXX 2020 due to non-payment. I was also informed by them that they had contacted my mortgage company ( Freedom Mortgage ) informing them that if payment was not made my policy would be cancelled. 

Upons multiple conversations with Freedom Mortgage, they told me on several occasions that i do have current insurance, however XXXX XXXX insists that i do not. 

I have tried multiple times to contact Freedom Mortgage about their failure to pay my insurance premium with no reason or return phone call. We have been without insurance for 5 months, and had i not filed a damage claim i would have never known. Freedom Mortgage refuses to return any of my calls, thus due to their failure to assure that insurance was paid for from our escrow account,, they are responsible for this lapse of coverage,

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 2018-05-20
Company: BB&T CORPORATION
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BB & T Bank I refused to pay for what seem to be like fraudulent activities. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. They can not provide me with any original paper work, signatures or ID copies.

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 2020-12-08
Company: Bridgecrest Acceptance Corporation
State: IL
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:
Ive had a used car loan first established with XXXX XXXX and its now under Bridgecrest since XXXX 2013. Ive had times where Ive fallen behind on my loan and I was offered an extension on my loan over the years. What I was not aware of and what was not explained to me was at the maturity of my loan, I would need to pay the interest for those extensions since I have a Simple Interest loan at the time of my maturity date. I now owe well over {$4000.00} and as I called the company today to explain that I was unaware that those extensions would mean I would be responsible for such a large sum payment at one time. Not only that, they would be hurting my credit score by reporting this as a late payment to the credit agencies. I expressed that I was purposely never told about this so that Bridgecrest could make an additional $ XXXX from me they would not have had if I didnt take the extensions. I never received statements regarding this nor updates or warnings or calculators for this information. It is not readily available or transparent on their website.

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 2022-10-27
Company: Mercedes Benz Financial Services
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Mercedes keeps reporting to my credit as an open account with payments made, which the account was closed in XX/XX/2020. They need to correct their discrepancies as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Transferred {$5000.00} to my coinbase account. They refuse me access to my account and refuse to allow any communication to someone in charge. Lower level employees tell me my issue has been escalated to the next level and resolution is coming. It has been over 6 weeks now and I am still unable to get answers as to where my funds are. I am still unable to communicate with anyone having knowledge of the issue or how to resolve it. Coinbase 's actions is simply stealing money from its customers. In the meantime the market has been extremely volatile and I have been losing value on my account.I have absolutely no control of my account and I am unable to withdraw the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
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: Was not notified of investigation status or results

Complaint:
I sent a letter to Experian on XX/XX/2020, about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for funding to start my own business but my credit is making the process a lot harder.

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 2020-12-08
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage I called Freedom Mortgage on XX/XX/XXXX regarding why my mortgage increased because it doubled from last year. I'm not happy and I don't want my credit affected. I Spoke with XXXX and XXXX they request an investigation on why my mortgage increase from {$890.00} to {$1700.00} they said because my taxes has increased in the year XXXX. I told them that was insane how can it increase so much and cause a escrow shortage in the amount of XXXX They both saw mistakes that Freedom Mortgage paid township taxes and I don't live in a township and they paid some other taxes twice. I was told by XXXX ( male ) that someone should get back to me on XX/XX/XXXX. I called on XX/XX/XXXX spoke with XXXX id # XXXX supervisor he gave me the run around and said I'm responsible and I have to pay the monthly mortgage in the {$17000.00} due to their mistake by overpaying and mismanaging the mortgage payments I paid faithfully on time. Freedom Mortgage mismanaged my monthly mortgage payment in which they overpaid and cause my escrow account shortage in the amount of {$6800.00}. They overpaid and they paid Township Taxes twice which I'm confused, because I do not live in a township. Freedom Mortgage over paid in the of $ XXXXin taxes in XXXX and now trying to squeeze me for their mistake. Please see attachments ( letter & escrow disclosure statement ) I sent email message on XX/XX/XXXX and another message on XX/XX/XXXX through Freedom Mortgage Message Center no response. I called XX/XX/XXXX Spoke with XXXX id # XXXX she said she see a note that we should be getting a completion notice by the XX/XX/XXXX that it was sent to a Department that handles issues. As of today we have not received a update or response from Freedom Mortgage. I ask her is there anyone I can email my concerns like a manager she said no Freedom Mortgage Message Center is the only way. I just don't understand how can Freedom Mortgage overpay on taxes and try to scam/squeeze for their mistake they need to fix, recalculate and rectify this terrible mistake. I did call my Local Tax and County Taxes and they said there is no way my taxes would have increased that much. I Thank you kindly CFPB on reviewing my complaint.

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 2022-03-30
Company: Specialized Loan Servicing Holdings LLC
State: WI
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: Problem with personal statement of dispute

Complaint:
I have been making bi-weekly payments to Specialized Loan Servicing and after checking my credit report through my banking account I noticed there was a 30 day mortgage late reflecting which dropped my score 40 points. I have been working diligently to raise my score with them to possibly get a modification. I contacted them to and received a message about the fair credit reporting act. I also have a dispute in with them through XXXX as well. I have also been speaking to some credit repair companies who claim they can possibly get the 30 day late removed, but of course that is money. I have heard so many complaints regarding this company that I don't think I would want to do anymore business with them. My account was transferred to them from XXXX XXXX. When making payments there was an unapplied/suspense in the account so when the payment there wasn't enough to make a full payment and I wasn't aware. I have also faxed the company a XXXX letter to get it removed, but that could've went to anyone. Please 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 2023-11-24
Company: EQUIFAX, INC.
State: IL
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:
I recently received a copy of my XXXX, XXXX and Equifax consumer/credit report for the first time just to check to see if everything was reporting accurately. I noticed a few accounts on my consumer report that I did not give written authorization to report. On top of me not giving authorization I also noticed that the accounts on there are reporting my transactions and experiences with me ( the consumer ) and the companies which is against the law ( 15 U.S. Code 1681a ) Consumer report EXCLUSIONS ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; With that being said, I need these AGENCIES to immediately stop reporting my personal and financial information without my written consent and without following the proper guidelines to furnish a consumer report and demand that these accounts be removed from my consumer report/credit report. 

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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is saying they are collecting for XXXX XXXX but my XXXX XXXX bill is paid in full. I do not owe any debt. This company that is reporting to the collection agency, I have no contract or agreement and I have no debt with them. They also did not provide any information that shows I owe any debt with them. I contacted XXXX and they confirmed my balance was paid in full. Now aware of this agency and again do not owe any debt with them.

Company response to consumer: Closed with non-monetary relief