BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have been disputing this issue since, XX/XX/2021 the credit bureaus is not responding to this issue. i have sent in letters for months. The information that is present on my credit file is not correct. They always say accurate are verified. I need to see documentation of these accounts in question, with original signature. They can not provide me this information. I want these accounts deleted from my credit file within 15 days.

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 2018-10-04
Company: Accel Loans, LLC
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for payday loan with XXXX XXXX XXXX, agreement has XXXX credit with finance charge of XXXX total of payments {$210.00}, with equal weekly electronic payments of {$12.00} to start on XX/XX/XXXX and final payment of XXXX on XX/XX/2018. However only 8 payments were withdrawn and then stopped and resumed on XX/XX/2018. There was an additional interest charge of {$47.00} added not related to NSF or late fees. On XX/XX/2018 when I went to XXXX XXXX XXXX office and they stated that I failed to make payments and they sent email related on non payment. I did not however receive any emails, phone calls, or letters related to this matter. They also said no payments for 35 days, offered no explanation and declined to give a refund, stating that it was my fault for not making scheduled payment. Clearly the issue was on there side but they failed to take fault. I even spoke to my bank representative and was no attempt from XXXX XXXX XXXX for payments between XX/XX/2018 and XX/XX/2018. Loan company did not abide by terms of contract with scheduled electronic payments

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
In XX/XX/XXXX, I signed an auto loan with Santander on a XXXX XXXX through XXXX for {$19000.00}. Since that time, I was diagnosed with XXXX XXXX and we experienced Hurricane Irma so we got behind in our payments. At the suggestion of Santander, we agreed to a total of three extension agreements. We were told that the past due payments would be " added to the end of the loan ''. The result was that between XX/XX/XXXX and XX/XX/XXXX, I made payments totalling {$9300.00} and yet not one penny was credited to principal. So, as of XX/XX/XXXX since inception, I had made payments totalling {$17000.00} but my principal balance had been reduced by only {$1900.00}!! When I questioned this, I was told some double talk about " simple interest ''. CFPB sued Santander for not disclosing how principal interest would be allocated on an extension. That matter was settled but when I questioned three people at Santander including a Supervisor, they had no idea what I was talking about. I had the impression that Santander would be giving relief to customers affected. 
Due to my illness I have been running three payments behind but I have made a full monthly payment every month for the past year on the date I receive my Social Security  check ( 2nd Wednesday ). Yet I get 2 and sometimes 3 calls a day on my cell phone from Santander and when I ask them to stop ( many times ) I was told they can't because their computer dials my number. They leave voice mails and threaten repossession even though I pay every month and they tell me sometimes that the repo order has been sent until they cancel it, I should hide my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: EQUIFAX, INC.
State: GA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the incorrect on my Credit Reports. Upon reviewing my updates, inaccurate information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX  XX/XX/XXXXInquired on XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Santander Consumer USA 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: Investigation took more than 30 days

Complaint:
In XXXX and XXXX of 2020 I was terribly sick with XXXX, it took me out of commission for 3-4 weeks. For 3-4 weeks I was bedridden, I had to take time off from work and couldn't do much of anything. I thought I had set all of my bills to autopay and that my Santander Car lease bill was on autopay as well. However in XXXX of 2020 I was contacted by Santander and they said the lease payment was past due, however I the representative from Santander told me that if I made the payment with her over the phone it would not be reported late to the credit bureaus. I made the payment with her over the phone, but in the months that followed I did see it reported as late on my credit report. I have tried to resolve this situation with Santander and the credit bureaus but no one seems able to help me. The Santander Consumer USA car loan has already been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hey, I was taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, defamation of character, I can't get approved for my mortgage or apply for credit/loans. This has really hurt my ability to obtain credit which is needed. This is not only effecting myself, but my children and family as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX sent me the findings of their investigation which states the company verified the bankruptcy. XXXX has stated numerous times the information came from XXXX XXXX. On XX/XX/2023 XXXX XXXX sent a letter that they are unable to verify the information. How did XXXX verify this information? The bankruptcy court nor I verified this information. 

XXXX continues to be in violation of : Defamation of Character ( per se ) 1. Negligent Enablement of Identity Fraud 2. Fair Debt Collections Practices Act 15 USC 1692g violations 3. Fair Credit Reporting Act 15USC {$1600.00} violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

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 2021-03-01
Company: LoanCare, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
LoanCare took over my loan in the middle of forbearance and I can not get in touch with them through phone or internet. They charged a late fee and I need to make sure I'm out of forbearance and I there is no phone or internet option that gets through. The phone has had me on hold for 30 minutes a couple times and hung up. The internet asks for my information and will not move forward saying that my social security # is incorrect. There is no contact option other than mail. There should be phone, internet chat and internet options to communicate and there are none. I'm trying to refinance my home and can not because LoanCare will not communicate.

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 2020-11-14
Company: D&A Services, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been making monthly payments faithfully to D & A services LLC. I have asked them to stop harassing me a payment will be made by the XXXX of each month. Each month they call and still leave voice messages This a old debt from XXXX credit card in 2014. 6 yrs later I am harassed monthly. There is a panademic and I still pay monthly. I asked them to stop calling n leaving messages and they continue to call. As long as they get there payment by the XXXX of the month on a old 2014 credit debit why harass me about it. It was said I owed {$1500.00} in 2014. I have made payments monthly and now I owe {$220.00}. I do not understand why all the phone calls daily till the end of the month. 1st call for the month of XXXX came in today XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: EQUIFAX, 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 am a victim of identity theft. I found out when I started getting calls from banks about late payments on credit cards. I found out there are several accounts that were applied for and approved using my personal information without me giving consent. I did not apply for the credit cards or bank accounts in question, nor did I authorize anyone else to use my personal information to apply for any credit cards or bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Advanced Resolution Services Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been battling with ARS and XXXX since XXXX regarding their refusal to 'freeze " the consumer report they each have on me, which per the FCRA I am entitled to do. I have also been battling with them regarding a Bankruptcy they each have listed within the consumer profile they have on me. 
XXXX and ARS both claim they can not and will not freeze my consumer information. Furthermore, I believe they have committed fraud to violate the FCRA and violate my consumer rights. 
When first addressing the Bankruptcy they have listed, they first claimed the information came from XXXX and XXXX XXXX. Upon notifying them that XXXX XXXX did not have a bankruptcy listed they then claimed the furnisher was XXXX. XXXX maintains the information/furnisher is XXXX. 
When pressed further, each company claimed that the information came from the other. With each piece of evidence I sent to them, proving that their verification and supposed furnisher was false, I would get a different excuse which violates the FCRA to delete if the item disputed can not be properly verified. 
Most recently both ARS and XXXX both claim that now the information and/or furnisher of said bankruptcy came from the Courthouse and/XXXX. I proved this was not true by contacting the Courthouse and XXXX. I have letters and email from each entity claiming they do not report to third party reporting agencies nor do they report to credit bureaus. Furthermore neither XXXX or the Courthouse confirm a Bankruptcy. I also have an email from XXXX stating they do not list anyone 's full social security number. 
However XXXX and ARS both maintain the Courthouse and XXXX as the verification and furnisher. This is after all of the previous different entities they falsely claimed were the furnisher. ARS further violated my consumer rights by sending me a supposed voluntary petition that they fished from the XXXX XXXX which is not a legal form if verification since I have the email from XXXX stating full social security numbers are not listed in their system. Furthermore, fishing of information that can not be verified violates the FCRA and my consumer rights. A Bankruptcy can not be verified when neither the courthouse or pacer report to agencies, do not confirm information and do not list full social security numbers. 
XXXX has lost several lawsuits recently for these practices I've mentioned. ARS and XXXX must comply and follow the law, yet they are not doing so. If XXXX is working with them or paying them then they should be held liable as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: ALLY FINANCIAL INC.
State: GA
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:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I have a loan with ALLY FINANCIAL XXXX Balance -. I have always made my payments on time yet there was a 60-day late state. Another thing, this was an illegal repossession followed by illegally reporting on my credit report ; this should have been investigated and corrected immediately. I tried contacting XXXX Credit Bureau requesting a complete payment history with this account for me to review the exact date on which the late payments and repossession were posted. Unfortunately, there was no successful resolution provided nor feedback heard from the concerned Bureau. There was definitely an error on their part. The bureau is condoning illegal behavior and willfully in violation of FCRA. PLEASE REMOVE FROM MY REPORT IMMEDIATELY.

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 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello, please remove all fraud alerts from my credit report. Remove the extended fraud alert as well. Remove any fraud alert that is reporting to my consumer 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 non-monetary relief
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: TN
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 filed a dispute in regards to the incorrect items on my credit report and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: The Best Service Co.,Inc
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:
The company Best Service can not provide evidence that there is a wet signature of mine on the account that they are reporting as a collection. XXXX and XXXX are not reporting this as a collection. Only XXXX has this reported as such. This debt was never mine and the Best Service Company did not provide me any info on the validity of the debt.

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 2018-10-04
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have tried to work with Ditech, From XX/XX/2018 we have submitted documents to Ditech, we submitted requested documents. Then on XX/XX/2018 we received a letter stating that information was received and we had to wait 30 days for a response. 

Then we were notified that the loan was transferred to another servicer. We waited and then when we tried to communicate with the new servicer they had none of the information concerning our loan. 

Again on a letter dated XXXX XXXX again we received a Notice of Sale of Ownership of Mortgage Loan, but on XX/XX/2018 Ditech accepted a mortgage payment in the amount of {$2300.00} with a conformation number of:XXXX. 

We have a notice of Servicing Transfer dated XX/XX/2018 to XXXX XXXX with no new loan number and they do not have the complete file from Ditech and we have a sale date for XX/XX/2018 @ XXXX. 

What happens to all of the documents that were submitted to Ditech in XXXX, XXXX, XX/XX/2018? Why do we have a sale date when they accepted a mortgage payment from us? 
Please help us with this impossible situation. 
Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was bought by Amerihome Mortgage. I set up auto pay with them. My mortgage agreement clearly stated NO escrow account for taxes and insurance as I personally review/pay these annually. Amerihome mortgage began, without my permission, have for the last three months added an additional {$1100.00} to the auto payment. I have contacted them 3 times and spoken to three different people. There customer service is a call center and can only write work orders, are unable themselves to escalate the issue and can not give me a name or number to directly talk to Amerihome Mortgage. The work orders just seem to be ignored. At the moment I have no way to resolve this issue and be reimbursed the extra money they have withdrawn from my account. In addition I wonder how many others have had this problem. The extra money they are holding could, if they were doing this to lots of people, could be a substantial benefit to them. Just not sure where to turn now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: PENTAGON FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX this Pentagon Federal Credit Union debt ( I don't know if it's for the credit card or personal loan, but those were also included in my XXXX filing. I filed for XXXX Bankruptcy on XX/XX/XXXX and XXXX XXXX XXXX was included in that filing. I no longer owe this debt. I asked my Bankruptcy Law Firm today, XX/XX/XXXX to send a " Cease and Desist '' Letter to XXXX XXXX XXXX. The amount of the debt is {$16000.00}. I don't recognize the last XXXX digits of the account listed on the credit report given. This could be my credit card or personal loan, that I no longer owe due to filing this Credit Card in the bankruptcy. This Debt Collection should not even exist and they need to " Cease & Desist '' the debt collection attempt for a debt I no loner owe due to XXXX Bankruptcy that was filed on XX/XX/XXXX, and Pentagon Federal Credit Union ( all accounts ) were included in the filing and even the debt collector XXXX XXXX XXXX. Any further collection is tied to that filing. This debt collection needs to stop and dropped from the open collections portion of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a bill from a debt collector for a bill for XXXX XXXX XXXX hospital in the amount of {$100.00} and which had interest of {$15.00} added on from the debt collector CBB ( California Business Bureau Inc ). There is no bill due to XXXX XXXX Hospital because it was paid over 3yrs ago. CBB is threatening negative credit reporting if I don't pay them. I am not paying them money I don't owe.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: OneMain Finance Corporation
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have told them several times ( more than three ) that I cant accept calls during work hours. However they keep calling and interrupting my work day. I told them to call me after XXXX XXXX

Company response to consumer: Closed with non-monetary relief