BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-11
Company: Results Unlimited, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX, former leasing representative with XXXX XXXX XXXX in XXXX county Virginia. During this email we discussed my ability to sign a 15 month lease. We also discussed the likelihood that my job would be transferred in the future, and how I could break my lease and pay a " buy out '' option which was equal to 2x my base month rent. We agreed on these terms and my lease was signed. 

On XX/XX/XXXX I contacted the leasing office via email and in person to let them know that I would have to break my lease as I was being transferred. I received no response to this email until XX/XX/XXXX by XXXX XXXX, property manager for XXXX XXXX XXXX. At this time, XXXX stated that I agreed to pay a {$1600.00} fee equal to 2 months rent and that I would supply an updated address so they could forward me a bill as to my final amount owed after damages were assessed. I replied to this email confirming my agreement to pay the fees once I received mail confirming the details of payment owed. I also provided my updated mailing address to XXXX at this time. 

I have received no further communications from XXXX XXXX XXXX. Imagine my surprise when it's XX/XX/XXXX and I'm on break from my job as a XXXX XXXX  in the XXXX, and my bank card won't swipe for a soda. I contacted my bank and they informed me my account had been frozen in legal judgement by XXXX XXXX XXXX. and the phone number XXXX was provided to me at this time. They stated my account could no longer be accessed and that there was a freeze for over {$5000.00} on my account. 

I have no access to my bank, any funds, or the ability to pay my bills. I was never notified of this debt via mail, email, phone call or court notification of action being taken against me. 

I have no problem at all paying the {$1600.00} owed, my concern is that I feel the apartment complex mismanaged my account and is looking to recoup losses from their less than stellar low income tenants in those units. I had the forethought to try to fight this the moment that I became aware of the situation. A lot of others wouldn't know where to begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: Rocket Mortgage, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi my name is XXXX XXXX we have applied for a mortgage with Quicken Loans and ended up switching lenders Midway through XX/XX/XXXX Quicken Loans received a statement saying that we were transferring or FHA loan to XXXX XXXX XXXX and I have attached a copy of that statement. Which time Quicken Loans should have quit processing or loan but they did not they continued to process the loan without our knowledge or a written document after the XX/XX/XXXX for a intent to proceed. On XX/XX/XXXX are Quicken Loans contact XXXX  XXXX send us a text message which I have attached stating that he had received a message saying that our loan was being transferred and he needed to know what was going on. Within one minute I replied back to him in the form of a text message once again that are loan was being transferred to XXXX XXXX XXXX he then proceeded to text me that he wanted to give us {$1000.00} in closing cost and {$500.00} after closing. Later that day we have come to find out that there was an appraiser at the property that was Quicken Loans appraiser. We had tried to contact him to ask him why he was there and this was all after the fact that he had already performed the appraisal during his appraisal nor the owners of the property or our realtor was present were unsure how he had access to the house and he is not willing to tell us. I have contacted the executive team and spoke with XXXX XXXX for her to look into this we are wondering why or loan was processed without our knowledge after we submitted several times that it was being transferred the response I got was there was nothing she could do about it and they needed to give the appraiser at least 24 to 48 hours to cancel the appraisal however there's no way we could have done that since we have no knowledge of the appraisal even being performed it was never conveyed to us that appraiser from Quicken Loans was going out there or would have made sense for us to call I even spoke to a gentleman by the name of XXXX around XXXX that same day of the appraisal asking about the XXXX dollars for closing and a {$500.00} after closing XXXX for me before an appraiser would even go out to the property that Quicken Loans would give us a call I have pulled all of my XXXX bills as well as my realtors and no phone call was ever made to us or convey to us that there was a realtor on his way out there I also ask Quicken Loans for their third party vendor phone number who the order appraisals through and was told that they would try to disclose the information but I have not heard a response back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-07-23
Company: ENCORE CAPITAL GROUP INC.
State: ND
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( XXXX XXXX XXXX Card ) bought the account I had with XXXX XXXX and garnished my wages. I had been trying to establish a payment t plant with XXXX XXXX but they told me I would have to pay {$300.00} to bring my account current before they would accept a payment plan. I turned to XXXX XXXX XXXX XXXX for help with a Debt Management Program in XX/XX/2017. I added both of these vendors to my debt management program XXXX XXXX in XX/XX/2017 with XXXX payment every month and XXXX XXXX XXXX payments being XXXX a month also starting in XX/XX/2017 and 1 payment of XXXX in XX/XX/2017. 
I had tried to contact them several times to set up payment arrangements, emailed, etc with no response. I received garnishment papers in XX/XX/2017. They garnished my wages for a judgement amount of {$1200.00}. After receiving the garnishment paperwork I stopped making payments through XXXX XXXX to MCM & XXXX XXXX. In the mean time XXXX XXXX accepted {$250.00} in payments from XXXX XXXX and {$400.00} was accepted by MCM from XX/XX/XXXX thru XX/XX/2017 for XXXX XXXX  and XX/XX/XXXX thru XX/XX/2017 for MCM totaling {$650.00} in payments in addition to {$1200.00} ( the amount of the judgement ) judgement number XXXX dated XX/XX/17, ( long after already accepting several of my payments thru XXXX of XXXX ) bringing the amount they received from me {$1800.00} dollars! I would assume that because the judgement amount was for {$1200.00} and between both vendors they collected {$1800.00}, I would receive the over payment amount that was paid. I feel like I was taken advantage of and pushed around by a bully lawyer and credit card company and they knowingly stole money from me. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

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 2023-05-08
Company: EQUIFAX, INC.
State: TX
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 summitted a online disputed as per my request it would verify in 30 days. Why does Equifax verified in two days. 
I don't understand why this keep happening. i keep getting the same error. i enclosed the email i got this morning. Within 2 days of disputing a inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Radius Global Solutions LLC
State: GA
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:
I received notification via credit alerts that my credit was impacted due to a fraudulent account being placed on my credit report by radius global solution. I was never contacted or notified of this account via written correspondence. I requested debt validation and was never alerted or received any updates. This situation is very disheartening and impacting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
XXXX  XXXX 1 ) XXXX Report Account # XXXX Original XX/XX/XXXX Account Status Closed Payment Status ******* Paid, XXXX balance ******** Status Updated XX/XX/XXXX 2 ) Equifax Report, Account # XXXX Original Creditor Date OpenedXX/XX/XXXXAccount Status Closed Payment Status Pays account as agreed Status Updated XX/XX/XXXX Usage Balance {$0.00} Balance Updated XX/XX/XXXX3 ) Transunion shows derogatory and a charge off. 
Account # XXXX Original Creditor Company Sold Account Type Installment account Date OpenedXX/XX/XXXX Account Status Closed Payment Status Charged off as bad debt Status Updated XX/XX/XXXXPlease update the credit report with Transunion as this account is in good standing. I paid as agreed and I should not have a derogatory mark on my report. 
XX/XX/XXXX Thank you, 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 explanation
Consumer complaint received 2023-05-15
Company: Nelnet, Inc.
State: VT
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 have an issue with my loan servicer. My loan servicer was Great Lakes Borrowing for over 10 years, they transferred my loans to Nelnet without my consent. As a result of this switchover my credit score has dropped over 40 points as they've reported my account closed, wiping out over 10 years of history on this account. This seems extremely unjust as I've worked hard over a decade to build up my score and have never once missed a payment. Please tell me how this is fair to me as a borrower. I've reached out to them and they've told me " that's how it is ''. I demand some kind of action. 

FURTHER, they've deleted ALL of my payment history and now neither Nelnet nor Great Lakes have any information on my payments, for over a decade! Please urgently advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: EQUIFAX, INC.
State: MS
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:
Hi I recently had my credit pull only to find out i have been a victim of identity theft. Someone used my name and personal information to open up a XXXX XXXX credit card that i did not authorize them to do. I file a police report and also file with federal trade commission sent police report and letter from trade commission to XXXX XXXX and Equifax. I received my first letter back from XXXX XXXX XXXX stating the account was open Fraudulently and they would correct my report with all three bureaus only to fine out they are still reporting negative inaccurate and fraudulent activities on my account. They have police report and letter from federal trade commission explaining my right under FCA Act. This is continuing to damage my credit and not allowing me to provide for my family and it causing me a great deal of stress. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$10000.00}

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 2023-02-12
Company: Experian Information Solutions Inc.
State: GA
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:
There a fraudulent address on my credit report Thats need to be removed I have contacted these companies on several occasions with my FTC reports and everything these addresses are not mines and need to be removed, Also Payments history is inaccurate on 4accounts on my credit report Ive sent several letters and disputes says its updated but when I look on my report theres no update

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 2018-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on XXXX / XX/XX/2018, I am not sure how this happened, I believe I made my payments to you on time when I received my statements, My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: EQUIFAX, 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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello I appreciate the hard work you do. If there is any chance to look into myfedloan.org for not keeping records of what I paid them since XX/XX/XXXX on my school loan. I owe XXXX in school loans which started at XXXX that I started paying 12 years ago. They just told me yesterday that none of my payments have gone towards it. They have no record of my payments before XX/XX/XXXX even though on their website it says it started in XX/XX/XXXX. 

Anyway keep up the good fight, thanks for listening. 
XXXX XXXX XXXX PS- I have never reached out for any help in 59 years of living in Ohio .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2018, on the XXXX I think, my loan was sold to XXXX from XXXX XXXX. During the transfer my principal balance was inflated, a payment was not posted, late fees were assessed, and my monthly payment has increased. 

I reached out to the new company by phone and email. They claim to have fixed it all. They did finally add the payment and remove the late fees after a month. However, the initial transfer principal balance looks to still be in error and the monthly payment amount is still in error as well. 

Additionally, on the XXXX XXXX side I went to my old account to get more material to strengthen my ground for complaint but less than a month after the sale my records are no longer there for my access despite the account being active. XXXX XXXX did not give any overt warning that my only means of saving this information would be prior to the transfer. If I had not printed copies of my monthly payment I would be in a very poor position.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: ENOVA INTERNATIONAL, INC.
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Today, XX/XX/2021, the company contacted me from the number XXXX. I asked who was calling before giving my identity ( since Ive heard some scammers use audio recordings of phone calls ), and they said they were from XXXX ( or something that sounded like XXXX ) After confirming my identity, they said instead that they were debt collecting for CashNetUSA. I believe they improperly identified themselves, which, to my knowledge, is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-27
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Lease was 24 months 15000 miles per year ending XX/XX/2020. Ally advised me by letter that the lease was being extended through XX/XX/2020 due to Covid19 and that I would not be billed and would receive mileage for the period. I did not want vehicle since I already leased a new vehicle and did not want to insure the Ally vehicle passed the lease contract date. Ally and the dealership refused to assist and forced contract extension. I ultimately returned vehicle in late XX/XX/2020. I was subsequently billed for the two months that exceeded the lease contract date and for mileage that was fictitious and fraudulent. Ally also sent me a BLANK odometer reading statement asking that I sign and return ( this document should have been signed when i physically returned vehicle and should have been filled out by Ally ) ; I refused to sign this document. I subsequently filed a complaint with the XXXX XXXX XXXX and the XXXX XXXX XXXX ( Ally is HQ in Michigan ). I have never gained relief and that is why i am filing this complaint. The lease was honored by me and paid on time for the contracted term ( 24 months ) and the mileage did not exceed the XXXX. The amount described by Ally is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I had disputed unverifiable inaccurate accounts with Equifax they removed the accounts and now I am going to close my house and these accounts are back on there. I called them and they said that I need to dispute them again that these vendors are reporting again. They are violating my rights under FDCRA act. because once I disputed and they were removed Equifax is responsible to monitor my credit file and make sure they don't get added back on that's why I disputed them in the first place. They are not doing their job and breaking the law by not protecting my rights once i have disputed an account and it has been removed.

Company response to consumer: Closed with explanation