BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-20
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company did not provide me with Debt Validation and did not even responded to my letter. I have requested debt validation for account XXXX, last XX/XX/2017 and up to know I have not received anything back. This account was even disputed to XXXX  AND XXXX and has been REMOVED. Yet the account is still reporting to XXXX. There is definitely a violation of FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: TD BANK US HOLDING COMPANY
State: MD
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 believe the year was XXXX XXXX XXXX accounts have been reported as fraud and they refuse to take them off. 

Td bank has butchered my score by at least 80 points over the past 3 years by reporting me as 30 and 60 days late in XXXX. 
The credit reporting agencies refuse to remove it. I have proof of payment directly from my account to credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-26
Company: ERC
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account number XXXX is not my debt because I send the equipment ... I dont have debt with XXXX 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 2020-05-24
Company: Exeter Finance Corp.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Exeter finance is still reporting that I owe {$7100.00} for the XXXX XXXX XXXX. XXXX XXXX I was awarded about {$14000.00} and the XXXX county judge XXXX XXXX XXXX located in XXXX. Michigan extinguished the financial contract between Exeter finance and I. I have a green title and the lien holders name ( Exeter finance ) was removed. I have been calling Exeter finance, XXXX, XXXX, and XXXX  to correct this matter and nothing has been corrected. This is still reporting negatively on my credit. The companies involved are Exeter finance ; which is the finance company that I sued in XXXX of XXXX. I should have a XXXX   balance because I own the vehicle. XXXX quality cars located in XXXX Michigan is the place I also sued and that is where I purchased the vehicle. My last payment was XX/XX/XXXX I won the settlement XX/XX/XXXX. This is being reported as charged off/collection, and unpaid balance reported as loss by the credit grantor. My lawyer said this should Be erased off my credit report as if I never even purchased the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: JPMORGAN CHASE & CO.
State: MD
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:
Through my credit card monitoring, I was alerted that someone tried to open a JP Morgan Chase Credit Card in my name on XX/XX/2020. I called the JP Morgan Chase fraud monitoring department in XXXX when I caught it and verified with them that they marked it as fraud and closed the account before it could ever be opened. I filed online complaints with XXXX  and XXXX  who removed the credit pulls from my history within a few days. Since I prevent an account from being established, XXXX process annoyingly required that I must call as their online processed only allowed me to file a complaint if an account was established. I called XXXX  who reassured me that since an account wouldnt be established that it should automatically drop off within 90 days of the XX/XX/XXXX date. XXXX did continue that they could remove it sooner if they got a removal letter from JP Chase Morgan to authorize it. However, talking to JP Chase Morgan, they had never heard of a removal letter and wouldnt authorize one as they fraud department had to complete the investigation. It is past the 90 days and I still have the fraudulent credit pull on my XXXX  credit report. Please help as I feel useless against these big corporations and their processes!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Capital One failure to comply with FCRA 611 ( a ) ( 7 ) within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Wired money to WU-registered recipient in XXXX. Transfer was advertised and promised to be sent in minutes. Transfer was time sensitive as funds were needed for family members urgent medical expenses. Funds were still not received after more than two hours and three visits to XXXX WU office. Sender was advised upon inquiry of the delay that a hold was placed due to people being scammed into sending money to XXXX. Since this was clearly not the case on this transaction, and since sender, recipient, reason for transaction and other elements were all on file from previous transfers, this delay was unexpected and certainly other than as advertised. This created not only an inconvenience, but a hardship and potentially dangerous result because of the reason for the funds for health care for a XXXX year old relative in the face of the Covid 19 pandemic. Before filing this complaint, sender reached out to Western Union to ask just how long they would have withheld funds if not pursued by sender ( funds were finally released after our complaint and challenge ). The WU representative after hearing my question just hung up. I believe the WU advertisement and claim that international money transfers will be sent within minutes is false and misleading. This in addition to unjust enrichment via earning on my money during delay as well as having collected the transfer fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Hi, I there are fraud items on my credit report that do not belong to me and I told Experian and they are refusing to remove this item eventhough the 4 agents ( XXXX, XXXX, XXXX and XXXX ) I spoke to seen my documentation. 
I sent over my proof showing that this account isn't mine, the Bankruptcy office is closed and can't verify but I was able to get a document from the office and I was told that this document would suffice and no one has been helpful to me and I'm constantly being hung up on.

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 2020-03-05
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account came from but they failed to provide me so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Rocket Mortgage, LLC
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we started the process for refinancing our home. We were conditionally approved on XX/XX/XXXX pending verification of documentation. We submitted all requested documentation the same day it was requested. On XX/XX/XXXX we became aware that Rocket Mortgage had failed to inform us that it was necessary for us to arrange with the attorney to do the closing for us so nothing had been done regarding title documentation. After that was taken care of, the rate lock was extended due to their delay. On XX/XX/XXXX, the attorney forwarded the title documents to Rocket Mortgage. On XX/XX/XXXX, they claimed the title was never received. They subsequently found that they in fact had the documents in their possession. After requesting several status updates, on XX/XX/XXXX we received a response stating our loan was " in line for final review ''. On XX/XX/XXXX, following another status request, they stated our loan was in the final review process. On XXXX it was discovered an updated bank statement was needed, which was submitted that day. We were later informed the loan was being wrapped up and they would follow up with an update. Today, we informed the company we were filing a complaint with your bureau if we did not finally get a closing date today. We were told to expect to hear from them this afternoon and our closing might possibly be tomorrow. Again we have not heard anything since.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: Allied Collection Services, Inc. (Nevada)
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX ALLIED COLL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ALLIED COLL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2020-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
No response from request letters

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 2020-05-24
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Suntrust COVID " non-access to service '' is out of control. I do two wires every month. Fine, I will do drive through. Now Suntrust pulled that from my branch where everyone knows me. So now I have to drive across town and do international wires with people that don't know me. if you know me and you see my face on camera and you have my ID, let me do my XXXX wire. 

I have a safe deposit box. I have important documents and sometimes need to deposit cash instead of keeping it with me and risk having it stolen. Today {$7000.00} in cash. I called to come over to get to my box to make my cash safe. I'm told I have to make an appointment and I have to wait 3 to 4 more days for an appointment. GET MORE STAFF SO YOU CAN HANDLE YOUR CUSTOMERS. A few weeks ago I had to stop a closing on a property becuase Suntrust would not give me access to my box. If we can't use the boxes then just close all of them so we can take our business somewhere else. 

This merger is a disaster already. I don't mind sitting in my car for 30 mins to keep us all safe, but OFFER THE SERVICES THAT YOU ARE SUPPOSE TO OFFER TO YOUR CUSTOMERS. You keep charging me stupid XXXX fees on my account and then refuse to help me. I'm NOT A HAPPY CUSTOMER!!

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 2018-02-20
Company: Exeter Finance Corp.
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 refinanced my vehicle with XXXX XXXX XXXX, signed contract date of XX/XX/XXXX. I returned all of the properly signed documentation required to them via XXXX on XX/XX/XXXX. 

Through a credit monitoring service I found out that my credit score dropped 78 points due to a " missed payment ''. My score went from XXXX to XXXX. I have worked diligently on building my credit up and have NEVER missed a payment. 

Through research I found out that Exeter, my previous auto loan lender, was reporting the late payment. I have never been late on a payment the entire time I was financed with them. After further research I found out that XXXX XXXX XXXX sent in the payoff EXTREMELY LATE on XX/XX/XXXX. I had already made my first payment on my new account to XXXX XXXX before they even sent in the payoff to the old company. ( I attached the USPS tracking XXXX showing when they mailed the payoff. ) I called Exeter and they are unwilling to remove the late payment. They advised me to contact XXXX XXXX to get it straightened out since they were the ones that sent in the payoff late. 

After 6 calls to XXXX XXXX I am now filing a formal complaint. XXXX XXXX will not take responsibility for sending in the payoff late. They advised me every time that I called that it is MY responsibility to get Exeter to remove it from my credit report. On 2 different occasions I was told a manager would contact me. Finally a manager called to get the whole story and said he would get with his people and call me back. That was XX/XX/XXXX and I have not heard from them since. 

This late payment needs to be removed from my credit report since it was beyond my control and absolutely not my responsibility or fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: LD Holdings Group, LLC
State: LA
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 Mortgage Account with Loan Depot act # XXXX was paid in full XX/XX/2020. Upon checking my XXXX, XXXX  and XXXX  credit reports Loan Depot last reported to the credit depositories was in XXXX still showing a balance. 

Loan Depot has not provided any reporting to the credit bureaus since XXXX ACCURENTLY showing that my mortgage is PAID IN FULL. 

I am requesting the Consumer Federal Protection Bureau contact Loan Depot to report my mortgage Paid in Full to all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: TN
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:
Remove the information from my credit reports

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 2021-02-09
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Re : NAVIENT To Whom It May Concern - NAVIENT customer service agents have provided confusing information along with exhibiting unprofessional behavior. 
The firm 's agents berate me when I ask for information about my three loans. When I ask or suggest I qualify for the Biden White House 's student loan forgiveness, the customer service agents berate me. 
Since XX/XX/2021, I've been unable to resolve my questions. I only am able to reach automated voice and email messages. 
I believe I qualify for loan forgiveness, and I do believe NAVIENT is ripping me off. Their refusal to address my concerns is suspect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
The accounts listed below are reporting inaccurately and MUST BE removed because they do not belong to me. It is preventing me from obtaining gainful employment. If the credit bureaus do not remove these items I will file a lawsuit. fraudulent items : XXXX XXXX  XX/XX/XXXX {$200.00}, XXXX XXXX XXXX  XX/XX/XXXX {$3100.00}, XXXX XXXX  XX/XX/XXXX {$160.00}, XXXX XXXX XX/XX/XXXX {$500.00}, XXXX XXXX XXXX XX/XX/XXXX {$0.00} ; 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 2018-09-24
Company: Experian Information Solutions Inc.
State: NV
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:
Dear Sir/Madame : Approximately 1 year ago, it came to my attention that erroneous information was present on my credit report. I immediately contacted the collection agency regarding this matter via phone and then via written mail. My initial contact with the collection agency was met with hostility ultimately terminating in vile words being exchanged. After researching the matter, I determined that the collection agency was required by federal law to " verify the accuracy '' of the information being reported. Federal law is very clear concerning this matter. In my case, the data being reported is are three delinquent medical bills. Because of the nature of the bills, I requested very specific information regarding the debt that must be maintained and provided upon request. As this date, the information has not been provided nor have the accounts been removed from my credit profile. After further research, I determined that the credit reporting agency is required by federal and state law to " verify '' any disputed debt or remove the delinquent account ( s ) from the consumer 's profile. I immediately contacted Experian, first via telephone and ultimately through multiple letters sent via certified mail to have the " debt verified '' or removed from my credit profile. Again, during the debt verification process, I have requested very specific information which is required under federal law to be disclosed upon request or have the accounts removed from my credit profile without prejudice. On at least two occasions, Experian has contacted me via U.S. mail stating that the accounts have been verified but have not provided me with any of the information I have requested. In addition, they have refused to remove the delinquent accounts from my credit profile. As a result, I have taken the liberty of contacting an attorney regarding this matter. Through our research, we have determined that the collection company ( XXXX XXXX XXXX XXXX ) has a well documented history of implementing deceitful, illegal and immoral practices. As a result, they have been successfully sued multiple times, currently maintain a grade of F with the XXXX XXXX XXXX   and a currently facing multiple lawsuits in both state and federal court. These facts were disclosed to Experian, yet the steadfast refuse to remove the accounts. In a final attempt to resolve this matter without entering litigation, I have been advised to contact you to have this matter investigated and resolved. Thank you in advance for your cooperation and concern. I am truly appreciative of any efforts you make to resolve this matter. 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