BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX, XXXXt XX/XX/2017, XXXX, XXXX   XXXX, XXXX & XX/XX/2017, XXXX XXXX XX/XX/2017 pulling my credit report saw these inquires tried to file a dispute with Transunion representative told me I couldnt file a dispute I would have to wait two years for these to fall off report even though I didnt authorize my credit to be ran they are not mine

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 2021-02-26
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXXXXXX XXXX erroneously recorded a {$52000.00} XXXX XXXX loan and property lien for a prior 90-day delinquency that was cured by 3 months of increased ( liquidating ) payments. As current loan servicer for XXXX  XXXX XXXX, Carrington Mortgage has agreed to investigate the complaint however, they require all communication with them be via fax - only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Bonded Business Services, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I need Bonded business ltd to explain why they are not removing this erroneous debt. As per their first CFPB response to my complaint on XX/XX/XXXX, they initially sent a validation notice to XXXX Wyoming in XX/XX/XXXX. I have NEVER been associated with that state therefore I have never received it. In their second response on XX/XX/XXXX, they sent the validation letter to my previous address at XXXX XXXX XXXX XXXX XXXX XXXX XXXX five months after I moved XXXX. Why would you send a validation letter to an address that you KNOW I don't live in anymore? No forwarding mail, emails or calls were sent to my home address. My forwarding address at the time was XXXX XXXX XXXX XXXX XXXXXXXX XXXX, with my number being XXXX. This was my address since I purchased the home in XX/XX/XXXX until it was sold on XX/XX/XXXX, even tho I served in XXXX XXXX, XXXX from XX/XX/XXXX-XX/XX/XXXX. I left this information with apartment manager XXXX and the receptionist of the XXXX XXXX XXXX XXXX XXXX   XXXX. XXXX XXXX After months of waiting AND calling the office, I was told my deposit check had been mailed although I never received it. I need a copy of the letter that Bonded claimed they initially mailed to XX/XX/XXXX, then XX/XX/XXXX along with a log of the attempted phone calls preferably time stamped. My phone number has not changed in over 10 years. This company is not legally permitted to collect in XX/XX/XXXX. This company is reporting a debt on my credit report that another company has. The other company, nationwide recovery, could NOT provide information on my account and stated that they are not listing this on my credit report. They could not even verify my account or validate charges. This is my last attempt to have Bonded and XXXX remove this debt. If no compliance is made within a timely manner, I will sue for damages. I have military orders sending me to XXXX XXXX, XX/XX/XXXX in XXXX of XXXX. XXXX XXXX XXXX   XXXX XXXX had my forwarding address and phone number on file. BONDED BUSINESS HAS CLEARLY LISTED THS DEBT ILLEGALLY WITH NO VALIDATION. If this is not resolved in the time it takes them to respond to this complaint, they will be hearing from my lawyer. I will use the money they have illegally listed as debt to sue them ASAP. I will also be sending a copy of all correspondence to the office of XX/XX/XXXX Attorney General XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We purchased a home using a VA loan from XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, we were only required to have hazard insurance. We even have disclosures indicating that no other insurance was required. Seeing that we live near XXXX Texas, we thought it prudent to have flood insurance so we purchased that as well. Around XX/XX/XXXX, we received a letter from XXXX  that the loan as to be transferred to NewRex LLC DBA Shellpoint Mortgage Servicing ( NR ). Shortly after we received our " welcome package '' from NewRes with a letter telling us about the transfer and where we could submit our next payments. There were no other indicators that anything we amiss with our mortgage. Nearly a week after XX/XX/XXXX, we received a letter from NR indicating that they did not have a current copy of our homeowners ' insurance. We immediately complied by sending them proof of our coverage. Shortly after XX/XX/XXXX, we received another letter indicating that they did not have proof of our flood insurance. Mind you this was not required when we purchased the home, nevertheless, we had it anyway so again we submitted proof of coverage immediately. About 2 weeks after XX/XX/XXXX, we received yet another letter indicating that we did not have wind insurance ; and again, it was never required and in this instance, we never purchased it. I received the letter sometime at the beginning of XXXX and at that point, COVID-19 was in full swing. It was increasingly difficult to reach anyone on the phone at NR to question why all of a sudden we were required to have wind insurance when there were no indicators that this was a requirement previously. I called non-stop and email incessantly but was not able to connect with anyone. towards the end of XXXX, after I received our 2nd notice related to the lack of wind insurance, I bit the bullet and purchased it opting to fight with NR about it later. Today, XX/XX/XXXX, I received yet another letter from NR ( dated XX/XX/XXXX ) that since I did not provide proof of coverage that they purchased it for me, back-dated it to XX/XX/XXXX, and billed me more than 3 times the cost of the coverage I had purchased for the property. We sent the proof of coverage about a week before this letter was generated as still they are trying to hold us liable for coverage backdated to a point when we had no idea we were even supposed to have it. They never notified us back in XXXX that this was even a requirement and now are trying to make us pay for their mistake. The prorated amount they are demanding we pay is more than the entire annual payment of our current insurance premium.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
Company: Alorica Inc.
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
This personal loan dates back to XXXX. However, when this company sold my loan to the company " SST '' my loan started over, with a maturity date of XX/XX/XXXX. However, my loan was almost paid off in XX/XX/XXXX, but XXXX has only provided the last contract which is not correct, showing double of what is owed on this loan. The original loan, from XXXX should have been paid off in XX/XX/XXXX and the new loan started in XX/XX/XXXX. However, I only borrowed {$3100.00} and the contract that XXXX presented to STT is not what I agreed to. I have no way of obtaining my original documents, due to the fact the website is shut down. XXXX never informed me they were ending their business nor transferring/selling my loan. I was not aware of what occurred, until I started seeing a different name ( SST ) pulling funds via ACH out of my banking account, although I never gave SST my banking information, to take payments via ACH out of my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My wife XXXX XXXX XXXX and I entered a settlement agreement with XXXX XXXX to pay a settlement of {$1500.00} for deletion. We made a payment in XX/XX/2020 of {$500.00} and completed the payment with a payment of {$1000.00} on XX/XX/2020 and received the deletion letter and payment receipt. The credit bureau has removed it from my wife 's credit profile but it still remains on my credit profile although it has exceeded the 30 day limit now approaching 60 days with no deletion. This is clearly a violation of my FCRA and FDCPA rights with their refusal to remove this derogatory joint debt. We have contacted the credit bureau multiple times and no action has been taken.

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 2018-05-15
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called Experian regarding an incorrect address that recently appeared on my credit report since there is now a 'Fraud Alert ' on my reports. The address is affiliated with a business that does not exist : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I spoke to XXXX in the Dispute Department and she claims the address is associated with a Bankruptcy that is on my credit report that I have been disputing via certified letters since XX/XX/18 and three more since and they have yet to mark the Bankruptcy 'Disputed by Consumer '. They claim they have verified the Bankruptcy via XXXX and when I asked XXXX to send me actual verification she said I needed to send Experian a subpoena in order to see verified information. I then asked to speak to her Supervisor and then she hung the phone up on me. I have sent Experian a letter from the US Bankruptcy Court as well as several letters, followed up by phone calls and I am getting the runaround and being lied to. They are clearly in violation of the FCRA.

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 2020-10-26
Company: General Motors Financial Company, 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 status incorrect

Complaint:
in XXXX of 2019 i made a vehicle lease payment of XXXX dallors i was XXXX dallors short of making the correct payment and GM financial reported a late payment to my credit report which i want removed becuase i made a payment the information is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I received an email about a job I had applied for as a personal assistant to an art seller under the name XXXX XXXX. I was interviewed by phone, and asked to disperse funds upon recieving checks via XXXX delivery. I made deposits of 2 checks, one on XX/XX/XXXX and another on XX/XX/XXXX. The first deposit amount I was told to keep XXXX as my weekly wages, and send the remainder in the form of 2 online transfers using XXXX, one for XXXX, and another for XXXX, totaling XXXX. The amount in its entirety has been recalled from Bank of America by the sender, leaving me to answer for the negative funds. 

Now, the second check, which has already been established by BOA as likely being a scam check, will not be cancelled because its, out of their reach. The bank still has a week before its supposed to clear the check, but refuses to cancel it. Its as if i am staring at an oncoming train from the tracks, and I am not allowed to move. Ive made a huge mistake in accepting this money, and sending it to whomever is recieving it. Now that I realize, and greatly regret, my mistake, BOA will not allow me to miss this impending financial wreck.

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 2020-08-31
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Mailed the Repossession Deficiency Letter to XXXX & Auto Now NEARLY OVER 2 MONTHS AGO. ILLEGALLY Repo my  car In Wisconsin. 

Lender can not repossess your vehicle unless it mails you a written notice stating that they are going to repossess, and informing you of your right to object to the repossession within 15 days. Wisconsin Stat. 425.205 ( 1g ). 

The lender can not repossess during the 15 days after its notice to you. If it does, the penalties are heavy. The Wisconsin Consumer Act provides that the consumer is entitled to a waiver of their entire loan balance, and repayment of all money already paid on the contract. Wisconsin Stat. 425.206 ( 3 ) and 425.305 I Never Received ANY NOTICES SO PLEASE  REMOVED THIS ACCOUNT ON MY XXXX REPORT I WILL BE FORCED TO PRESS CHARGES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: CITIBANK, N.A.
State: MI
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:
Citi bank has been reporting two of my accounts as 30 days late since XXXX and XXXX respectively, up to the current date. I, however, I was paying as agreed during these months after receiving three months of forbearance. I called every month to tell them during COVID that I could not pay. When I login to my accounts online, they don't even show a past due amount. When I ask a customer service representative for what is past due, they say nothing. I ask to speak to someone that can resolve internally so that it will not be reported incorrectly going forward and they say they don't have a credit dept.

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 2020-05-16
Company: ALLY FINANCIAL 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:
Ally Financial has incorrectly reported information on to my Credit report On my XXXX XXXX Credit report, Ally Financial has reported that I had 1 late payment in XX/XX/2019 and everything else was on time. 

However, on my XXXX  and XXXX  report, Ally Financial reported that I have 2 late payments in XX/XX/2019 & XX/XX/2019. The Kicker is that they reported that I had an on-time payment in XX/XX/2019. 

It is very confusing and I am not sure what Ally Financial is trying to do to me but all of this does not make any sense.

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 2019-10-22
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Plusfour place a collection on my credit report, affecting my credit, his account does not belong to me, Plusfour is using very aggressive collection tactics calling me. 
this accounts are XXXX and 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 2017-08-04
Company: BBVA FINANCIAL CORPORATION
State: CA
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 XXXX XXXX have failed to investigate matter accurately. These items where disputed last year and early warning failed to provide accurate proof of items upon request. Instead of providing items that pertain to the Compass Accounts XXXX & XXXX compass gave a blanket reason for a matter pertaining to a business account under a tax id and not a personal account. The also deflect the matter to non working compass number where no one responds to call or voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: EQUIFAX, INC.
State: NV
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 submitted a formal written request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) via certified mail on XX/XX/2020 seeking the deletion of erroneous and inaccurate information contained in my credit file. 
In my letter sent and received by XXXX, XXXX  and Equifax on XX/XX/2020, I requested a reasonable reinvestigation as defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) requires that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. I requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been more than 3 months and I have not received any responses back from either XXXX, XXXX  or Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-22
Company: Experian Information Solutions Inc.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 2023-07-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I disputed the XXXX balance on the first premier credit card because it was open fraudulently. And they have yet to remove it from my credit profile. And I also disputed a XXXX balance with Macys because it was open fraudulently as well.

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 2018-07-14
Company: NAVY FEDERAL CREDIT UNION
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Three years ago we began receiving debt collection phone calls to our new landline, XXXX. We finally learned, about a year ago, from repeat caller ( s ) debt was ( is ) owed by XXXX XXXX or XXXX ( unsure of spelling ) to Navy Federal Credit Union ( NFCU ). I am a long-time NFCU member in good standing. I contacted NFCU customer service XXXX and XXXX XXXX XXXX CEO of NFCU via corporate email requesting the debt collection harassment cease. I was told by customer service, XXXX XXXX had read my email, the debt collection attempts were made 'in house ' and that they would stop. 

We receive two calls a day from XXXX for XXXX XXXX or ( XXXX ). My spouse has repeatedly explained they have the wrong number. I have stated I would file complaints against the caller. The Debt Collector 's caller refuses to name the company they represent or provide any information supporting the legitimacy of their claim. 

On XX/XX/2018 I, again contacted XXXX XXXX XXXX CEO of NFCU using my email account. I, again contacted NFCU Customer Service. I answered the Debt Collector 's call and demanded details for his call including the name of the company he was representing. He stated he would not divulge any information and that 'we ' dialed the wrong number and would remove our number from his list. We've heard all this before ; as in over the past three years! 

I want the name of that debt collection company. I want monetary compensation for my time, aggravation and continued harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an account an with True Accord, and made the payment to True Accord because they own the debt but they are not reporting the account to the credit bureaus. The company that is reporting to the credit companies is XXXX XXXX. XXXX XXXX is violating my right to have fair and accurate credit information reported. XXXX XXXX does not have the right to report on debt they do not own. That leaves me and any one else susceptible to fraud if companies that don't own debts report on them. Also, by doing this they keep the debt reported on the credit for longer than the statue of limitations allowed. XXXX XXXX is inaccurately reporting that the debt has a balance and the account is open when it is not, I called and they don't own the debt they sold it to True Accord. The account was settled and there is a XXXX  balance on the account. XXXX XXXX refuse to report accurate information and refuse to delete the debt. The account must be deleted from my credit report. When I settled the debt it was paid to True Accord not XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
You quys have my credit report that my car was repo two months ago and my never was repo I still have my car and paying you guys

Company response to consumer: Closed with non-monetary relief