BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Continental Finance Company, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt not owed does not belong to me.

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 2023-05-01
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validatedthese accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

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 2020-09-12
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I, received a collection letter from XXXX XXXX XXXX XXXX, trying to collect on an alleged debt with current creditor : Crown Asset Management , LLC, from an alleged original creditor : XXXX XXXX XXXX XXXX I never had anything to do with XXXX, neither Crown Asset Management and/or current collection company. I do not recognize this debt, I have no other reason but to believe that I am a victim of Identity theft, the debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-07-18
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2017-12-15
Company: Coastal Financial Solutions, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
THIS IN REGARDS TO THE 2ND MORTGAGE WITH COASTAL FINANCIAL IN NEW JERSEY, XXXX IS MY PRIMARY MORTGAGE AND I AM CURRENT WITH THEM. 

COASTAL FINANCIAL IS TRYING TO FORECLOSE ON THE PROPERTY, I BELIEVE THEY HAVE SOLD THE LOAN TO XXXX XXXX IN XXXX, NJ. I HAVE BEEN TRYING TO GET THEM TO MODIFY THE LOAN AND HAVE NOT BEEN SUCCESSFUL. THIS COMPANY DOES NOT DO ANY TYPE OF LOAN MODIFICATION APPLICATION, ONLY A VERBAL WITHOUT OBTAINING ANY FINANCIAL AFFIDAVIT. THEY EXPECT A LARGE DEPOSIT TO BE MADE, FOR INSTANCE I WAS TOLD TO PAY ABOUT {$3900.00}, THEN WITHIN A FEW WEEKS ( AFTER I HAD XXXX AND COULD NOT MAKE THE {$3900.00} DEPOSIT ) IT WENT {$6100.00} WHICH I THEN MADE. A CONTRACT WAS THEN DRAFTED BY THEM AND I DID NOT AGREE TO THE TERMS, BECAUSE THEY WANTED AN ADDITIONAL {$8800.00} ON TOP OF THE {$6100.00} TO CONTINUE WITH THE MODIFICATION. I BELIEVE SOME HOW THESE PEOPLE ARE TRYING TO RIP ME OFF. I DID GET MY {$6100.00} BACK WHEN I REFUSED TO GIVE THE ADDITIONAL {$8800.00}, NOW THEY ARE MOVING FORWARD AGAIN WITH THE FORECLOSURE. I NEED HELP, THESE PEOPLE ARE TRYING TO STEAL MY HOME.

Company response to consumer: Untimely response
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: National Medical Administrators, Inc
State: VA
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:
attempted to sign up for a free trial for some gummies in XXXX XXXX website froze before i could get through the process. i decided to not go through with the free trial. In XXXX the national medical administrators , inc. sent me a letter saying i owe {$110.00} ( twice ) to XXXX XXXX label x. this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
XXXX ; XXXX  and Transunion are reporting incorrectly late payments in XXXX and XXXX on the XXXX XXXX partial account number ****XXXX. ( Please see page attached from my credit report. ) XXXX XXXX XXXX consistently did not apply the payments correctly to this account. One billing department was not in sync with the other department and consequently the lates that are reporting in both XXXX and XXXX are false. I have been working with a representative from XXXX ( her name is XXXX ) and she is working diligently trying to resolve this reporting error of late payments. In addition to resolving the late payment issues, the current reporting of the balance due on this account is incorrect. The account balance information needs to be updated to report accurately as well. This account is current and in good standing. There are no late payments to report. I have contacted the ( 3 ) bureaus to remove the lates however, I have not been successful.

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 2018-10-23
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I had an freeze on my Experian account. I have filled out their form online with my pin about 5 times, plus I have written 2 letters directly to Experian requesting that they remove any locks or freezes so that I can try to obtain a refinance on my mortgage. 

My account is unlocked and not frozen, but they refuse to release my credit report to anyone at all. 

Ive been calling them for over a month complaining about this. Will you please call them to release my credit file and score to anyone who ask for it. 

I do not ever want them to freeze or lock my information to anyone.

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 2020-07-13
Company: Mortgage Research Center, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a VA home loan with Veterans United Home Loans on XX/XX/2020, I worked with XXXX XXXX, XXXX XXXX and XXXX XXXX. I was told that I would be given a pre approval for my loan of XXXX once issued I requested an increase to {$220000.00} and I was assured that this was a pre approcal and I could proceed to go shopping for a home not to exceed {$220000.00}. I was able to find a home within my price range paid the earnest money, inspections cost and appraisal fees. Two days before the close of escrow the lender tells me that im now unapproved for the loan because of a new debt that I went and acquired after I applied for the loan. XXXX XXXX then proceeds to email the title company and tells them that I applied for debt after the loan and I should not be given my earnest money back. It isnt true that I applied for new debt I purchased new vehicles on XX/XX/2020 in which those inqueries showed on my credit report at the time that Veterans United Home Loans pulled a copy of my credit report. I feel like I am being done wrong as a customer because the loan officers didnt do there due diligence I didnt conceal or hide any information from them at the time of the loan and now not only am I on the verge of being homeless Im also out of pocket close to {$2200.00} due to their mistake. If they wouldve in fact gave a true pre approval this wouldnt have happen at all. They say they give true pre approvals but are only using a desktop underwriting software and the problem with that is that issues are found on the back end versus the front end. I dont want to happen to other XXXX veterans.

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 2018-03-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Experian serveral times to get my name correct on my report and they refuse to change it. 

XXXX Name ID Number XXXX Report Number They also have address I have never lived at : XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number XXXX Address ID Number XXXX Report Number

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 2022-02-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I started a XXXX  XXXX with XXXX XXXX in XXXX and we converted to a XXXX XXXX so I could apply for a loan modification and was referred to XXXX  to assist me in helping with the loan modification. All the documents were sent to my mortgage company ( SPS SERVICING ) from XXXX for the loan modifications originally in XXXX. then SPS state missing docs & I uploaded, then SPS said was blank, then resubmitted the loan modification app and never knew or addressed by SPS that they received the application from XXXX in XXXX who was assisting me with the loan modification. XXXX did their part and no complaints on them or XXXX XXXX. My complaint is with SPS mortgage. I received my denial letter for the loan modification dated XX/XX/XXXX. 

Loss Mitigation Program Decision After careful review of your account, we find that there are no home retention loss mitigation options for which you are approved. Review parameters and details are provided below. 
Please note, " INCOME WAS NEITHER REQUIRED NOR CONSIDERED AS PART OF OUR EVALUATION ''. I don't know why income was not required. DID THEY EVEN REVIEW THE ORIGINAL LOAN DOCS SUBMITTED IN XXXX BY XXXX. 

I also signed up in XX/XX/XXXX for the Covid 19 relief for 3 months and granted but that will be up in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: Experian Information Solutions Inc.
State: SC
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 on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across thislaw today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/blockany items not later than 4 business days. Ive already included this in my previous complaint & I am including itagain., XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : $ XXXX XX/XX/XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/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 2017-06-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: IN
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:
ALL CREDIT REPORTING COMPANIES MUST CEASE ALL CREDIT INFO OM ME UNDER THE F.C.R.A. 15 USC 1681a ( g ).

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 2020-07-13
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I recently filed a credit report dispute with all three credit agencies. I filed each dispute online, and asked for the results to be submitted to me online, when I completed each request. Equifax e-mailed me on XXXX that the results of my dispute were finalized, and provided me with a confirmation number and a link to log-in to my account to view the results of the dispute. When I did so, the link in my account under " Dispute Center '' did not work, and I was not able to see any information regarding Equifax 's findings. 

I called customer service. After a very long wait, I was told the dispute finding was NOT available on the website using my log-in after all, but the findings could be provided to me in another manner. I asked the agent on the phone to provide the findings to me in the manner in which I requested when I completed the dispute request to Equifax, which was online. I then had to ask about 10 times to be transferred to a supervisor or someone who could resolve what appeared to be a technical issue with Equifax 's website. I was finally transferred to another supervisory agent who told me the issue could not be resolved. 

All that I am asking is for the findings of my dispute to be provided to me online, so I can take the action necessary to address the findings in a timely manner. Snail mail is not a manner that fits my need, which I communicated to Equifax at the time the dispute was filed. 

I have included a PDF of the notification email from Equifax, and also a screenshot of the online " Dispute Center '' after I enter log-in credentials, showing there is nothing available to view regarding the status of my dispute and how it was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: FORD MOTOR CREDIT CO.
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Attention : Please include this along with complaint ( XXXX XXXX Ford Motor Company.

On my last attempt to resolve this ( please provide me with the audio recording ) I contacted Ford Motor Credit on approximately XXXX. 

Ford Credit repeatedly criticized me for utilizing Ford Roadside ans continued to blame me stating : " why didn't you call your insurance to tow? We don't do that type of towing so Ford is not liable. Next time call your insurance. '' This is a true testament as to how Ford Motor Credit abuses its customer 's. Because I am XXXX they bleieve its easier to just conduct themselves unprofessionally, unethically, and down right illegal. I am sure there are law in place protecting special populations such as those with XXXX like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Recently I again unsuccessfully tried to have Bank Of America remove the incorrect entry on my XXXX credit report. Its been challenged numerous times, and BoA keeps saying its correct without any investigation. I didnt owe any money to BoAand was never late on any payment yet to date ( according to the XXXX credit report ) yet BoA repeatedly refuses to remove this. 

If this entry from 2013 were correct, it would also be on XXXX and XXXX, which its not. Ive worked very hard to rebuild my credit after I had XXXX XXXX XXXX and a divorce that caused the bankruptcy and now Im entirely fed up with nonsense. 

If this isnt taken seriously, my next step will be legal action. Thats not a threat, but a promise. Fix it now!

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Late payment remarks are keeping me from being approved for future loans/credit baring agreements.

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 2023-07-17
Company: Avid Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I currently have an auto loan with Avid Acceptance. I made two payments in the month of XX/XX/2023 ; I paid {$500.00} on XX/XX/XXXX over the phone with XXXX XXXX, and I made another payment on XX/XX/XXXX in the amount of {$350.00} ( not including the {$7.00} processing fee ). These payments are not reflected on my online account. It's showing that the last payment was made in XX/XX/2023, which is incorrect. I have reached out to several representatives via email ( which I have attached ) and I have not received a resolution to this matter. Yes, my payment history has been sporadic lately but as I explained to them I am currently homeless, and I paid {$850.00} last month and agreed to come up with over {$700.00} this month to get this account caught up. I receive daily emails regarding my account. The last email I received from XXXX XXXX was today, XX/XX/2023, and all she did was apologize for it not showing accurately on my end, but stated that it is showing correctly on their end. She offered to send me a print out of my account history, but I'm not accepting that because I have no idea if this with be something randomly typed up by Avid Acceptance. They are more concerned about obtaining more money from me as opposed to ensuring that the balance online is correct. So right now I have inaccurate data as far as my loan balance, pay off amount, etc., and I do not feel comfortable paying them any more money until this issue is resolved and will not do so. I look forward to a swift resolution to this matter.

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 2023-05-19
Company: EQUIFAX, INC.
State: WI
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:
Please remove bankruptcys from my credit report. They should not be reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
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 status incorrect

Complaint:
I just paid down all my credit cards to 70 % level. My score went up by 14 points by 1st week of XXXX. Just checked it again today XX/XX/20 and it dropped 14 points. I have not used the cards again. I am just tired of the credit bureaus manipulating my credit scores.

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 2020-07-13
Company: EQUIFAX, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.

Company response to consumer: Closed with explanation