BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: HEARTLAND PAYMENT SYSTEMS INC
State: GA
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:
My Federal Perkins loan was placed in default due to an error made by an employee of XXXX XXXX. On XX/XX/2017, This company states it tried to post a payment to my checking account. No account could be found or a NSF issue. They sent the loan into default. I contacted my bank Account credit Union. We went over the transaction history specific for that date..no transaction was found for XXXX..and the account had a balance of XXXX dollars in it and another {$1200.00} posted the same day. The months before XXXX XXXX successfully received the payments. I didn't change my account every thing was the Same. 
I believe the payment was applied to the wrong account or computer error on their end. 
There is now a default on my credit report and inaccurate information in my loans records. 
Had it not been for this one single incident my loan would not be in default

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
TransUnion had a server error, where the company had deleted a ton of inquiries from consumer credit reports, then proceeded to reinsert those inquiries and I believe that I am a victim of this error

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 filed a dispute on an old collection claim with XXXX XXXX. I have not received any response.

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 2021-04-24
Company: Better Mortgage, Inc.
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I entered my information online to a provider, or broker, of mortgages for the purpose of refinance. I never completed the application by selecting a product ( rate, points, etc., and term ) and " submitting '' the application. The provider only offered XXXX refi 's online when I already have a XXXX and want to refi to a XXXX. This is why I never submitted the application for a specific product XXXX loan ). I requested the provider remove all of my information from their system. The provider responded they could not based on 1026.2 Definitions and rules of construction, and stated they are required to keep my information for at least 24 months. 

In the official interpretation of 2 ( a ) ( 3 ) Application, 6 pieces of information are required to be considered an " application '', including the last item # 6, " the mortgage loan amount sought ''. 

I did not provide the mortgage loan amount sought since I was not able to select a product that I was looking for, i.e. XXXX loan. The mortgage loan amount sought can vary significantly based on rate XXXX points, fees, etc. ) and duration. I never selected a product or loan and therefore did not provide the mortgage loan amount sought. The loan amount sought is not my current liability for the property. 

**Please provide the definition of mortgage loan amount sought ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/21 I transferred money to a zelle Recipient for a apartment I sent {$100.00} for a background check and {$2400.00} for fist and last months rent and never received the apartment I was scammed out of my hard earned money and contacted XXXX XXXX and they said theres nothing they can do Ive been a loyal XXXX XXXX customer for 22yrs I also filed a police report case # XXXX XXXX XXXXXXXX police department XXXX XXXX Florida

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was transferred to Mr. Cooper Loan servicing on XX/XX/2019. Per multiple communicators when Mr. Cooper agents my online account access would be available on XX/XX/2019. When I logged in this morning my online access was NOT available. The website stated that online account access would be available on XX/XX/2019. Clearly this is not the case. I am questioning the integrity of the IT system, Internal Controls, and Data protection policies for Mr. Cooper. Part of the answering service is " Welcome to the Family '' and the motto of the company is " Changing the face of Home loans ''. I do not feel secure in knowing that my loan was transferred to a company that will lie to new home owners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Insight Management Partners, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX from Insight Management Partners, repeatedly contacting myself after being told do not contact, then proceeding to call sister, sister in law, my work place, my wife 's work place, and mother in law giving details of debt to them. when told by them that he has the wrong number, he tells them that i gave him that number as a back up contact. all false. there has been 5 phone calls today XX/XX/2020 already as of XXXX XXXX PST. he has been calling at least 3-4 times daily. he has been asked several times not to call these numbers threatening lawsuit. this is harassment and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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 filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2019-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONE THING IS THAT THE BANKRUPTCY COURT SENT ME A LETTER SAYING THAT THEY DONT EVEN REPORT TO AND CREDIT BUREAUS EVER AND THEY ARE NOT SHOWING THE CORRECT SPELLING ON EACH bureau IT SUPPOSE TO READ U.US. BANKRUPTCY COURT OF XXXX TENNESSEE it's NOT SHOWING THIS AT ALL

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
i can no longer open accounts with any bank do to fraudulent activity with my bank of america account in a result of my information being stolen.

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 2018-02-21
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have applied for loan modification and the lender keeps saying will submit it for underwriter review. However, it never happened and they called me again and again for the wrong information. They said they need this and that for complete but they never told me when we follow up. All they said they told me being review. Now foreclosure sale is coming and they tried to delay and said they wont be able to review my application due to foreclosure sale date. I want to try to have modification and keep my house and I am old and unable to move out. They are being treated us unfair way

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: UT
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:
XXXX XXXX - XXXX & XXXX -- -- They are reporting 2 erroneous account on my credit. They are not mine nor do I owe any insurance company. I have disputed this many time for proof of a signed document which they have yet to provide. These are from 2015? the statute is lapsed also and these are not valid!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: LDF Holdings, LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a loan through XXXX. I received the money. I was struggling financially and could no longer afford the payments on other payday loans I also had taken out. I reached out to a debt relief agency. A Cease and Assist order along with PoA was sent to the company on my behalf from the debt relief agency. Since doing so, I have been receiving 5-10 calls per day from XXXX. I refer them back to the debt relief agency, but still receive multiple calls. It is becoming harassment at this point. I have attached the document specifically telling the company that they are no longer to contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: AMERICAN HONDA FINANCE CORP
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: Account information incorrect

Complaint:
This company claims there was a late payment made on or about XX/XX/2017. They still have not provided me with proof that I made this payment late. I have recurring payments to this company every month since the first day of the loan and have not missed any payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I attempted to contact the credit agency directly to dispute what was being reported on my credit report. The mail was returned.i contacted Experian showing that the mail was returned and that they had to remove the item from my credit report as it was reporting wrong information. Experian decided the information was valid and continued to report the information.

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 2020-08-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
TD has reported a change off account on my credit report that I was not aware of. I disputed this account that I never opened with Target for 6 months now ... I finally got a representative who stated if I paid off the balance due ( not my card ) they would remove this erroneous account from my credit report. I paid {$420.00} for the card I never requested and never used now Target is refusing to remove it .... I have written to them on numeous occasion asking to provide a copy of the original contract and payments made on this card so I could prove to them that it was NOT my card and I did NOT apply for this ... Target ignored all my requests, written, verbal and electronic and only sends this letter ( attached ) statiting they confirm this account being mine but on WHAT BASIS THEY DO NOT DISCLOSE AND DID NOT PROVE THEIR STATEMENTS WITH COPY OF THE CONTRACT OR PAYMENTS THEY RECEIVED. I filed a police report due to identity theft as instructed by the bureaus but still ... this account is damaging my credit report this is illegal and is there any justice to consumer? ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Student loans through Nelnet, being issued in chunks, each distribution is an individual loan. In my case I have 7. Payments are made as one sum which is a grand total of what's owed for each loan. If a payment of this sum is missed or late. It is reported to the credit bureaus as 7 individual hits. So because of one missed payment your credit is hit 7 times. Which means your credit scorXXXX could be dropped 80 points from one late payment. This does not seem like a proper or fair practice of reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: AMERICAN HONDA FINANCE CORP
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$300.00} due on the XXXX of each month. This payment was made monthly and the last payment was made XX/XX/XXXX covering the XX/XX/XXXX payment. The next payment being due XX/XX/XXXX. 

On XX/XX/XXXX, through no fault of my own the XXXX XXXX XXXX was totaled. 

On XX/XX/XXXX, I signed Vehicle Order and Lease Agreements for a New XXXX XXXX XXXX XXXX   with Honda Lease Trust/ Honda Leadership Leasing . The Vehicle Lease Agreement stating {$320.00} due on the XXXX of each month and the first payment was made on that day XX/XX/XXXX. 

This payment schedule should have stared no sooner than XX/XX/XXXX, when the original next payment was due. With the {$320.00} paid on XX/XX/XXXX covering the first payment, the next payment should have been due XX/XX/XXXX. There was an overload of information presented and I was not aware of the new accelerated payment date, which I believe to be inaccurately early. I missed the accelerated XXXX payment. I was not spoken to by phone and saw no mail or email from the Leasing agency regarding this lapse of payment. 

I ended up making a {$650.00} payment for both XXXX and XXXX on XX/XX/XXXX. 

Because of this unjustly accelerated payment plan, my payment was just over 30 days late and thus reported to the credit agencies causing me to be rejected for loans I could easily carry. 

I spoke with the leasing agency and explained the situation and requested they remove the late payment and they said there was nothing they could do. I spoke to XXXX ( his supervisor XXXX ) they refused give me their last names or employee identification numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: Acceptance Rentals, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I leased furniture with a company called Acceptance Rentals I returned the furniture all of it they keep stating that I kept a mattress which I did not I have a invoice from them that states all items were returned they keep harassing me telling me I owe them monies for leased furniture I have asked them several times to stop contacting me and they keep sending me emails and asking me to pay what owe they are even reporting incorrect information on my credit report. I have asked them to provide proof that I have the furniture they claim I have but they do not the emails are on a daily basis.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-16
Company: FORD MOTOR CREDIT CO.
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, FORD CRED and on XX/XX/2019, XXXX/XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorizatio n Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: Consolidated Information Services Solutions, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On numerous occasions my credit was ran with companies without my consent and knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-10
Company: FORD MOTOR CREDIT CO.
State: UT
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 filed multiple complaints about ford kotor credit and how they are reporting on my credit. I filed an original chapter XXXX inXX/XX/XXXX, it was voluntarily dismissed in XX/XX/XXXX, refiled in XX/XX/XXXX and then dismissed but refiled in XX/XX/XXXX which is still open. The vehicle they are reporting derogatory and as a charge off was i cluded in this ch. XXXX bk. They are refusing to remove the atatus as charge off and continue to report derogatory late payments to my credit monthly. I filed a dispute on XX/XX/XXXX to have this be ipdated to reflect it NOT being charged off and having it reflect the wage earner plan reporting to be apart of my ch. XXXX bk. They only removed the amount owing ( XXXX ) since we surrendered the vehicle and show it as a charge off with original amount of XXXX and charge off amount of XXXX i do not find this fair that if it is included IN MY BANKRUPTCY AS A WAGE PAYMENT PLAN THAT THEY BE ALLOWED TO REPORT IT AS A CHARGE OFF ON MY CREDIT AND HAVE IT NOT TIED AS A RECORD TO MY BANKRUPTCY. They are reporting FALSE information and having it be inaccurate as they mark derogatory payments monthly as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Promised to pay full amount on XX/XX/XXXX. Was accepted by Synchrony bank. Barely over 1 month behind on Care Credit. 

No less than 4-6 calls PER DAY during my work day. Violation of debt collection practices.

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 2018-11-28
Company: Capio Partners, LLC
State: TX
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:
I have no information about this company or this debt. I have not received notification or billing information and have no idea who this company is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-22
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian has previously removed this account on my credit report when it came from other collection agencies, as they have been unable to provide verification of the debt and rarely send the notice. However, it continuously finds its way back into my credit report under a new collection agency. XXXX  XXXX XXXX, XXXX has now put this debt on my credit report. Below is a summary of the specific debt from my complaint against the company. 

On XX/XX/19, XXXX responded to a complaint of a collection on my report. XXXX claims to have sent a validation notice on XX/XX/XXXX, however, it was not received. As the general counsel, XXXX XXXX, knows, the right to dispute this debt under 809 ( a ) ( 3 ) of the Fair Debt Collection Practices Act, the right to dispute does not begin until after I am in receipt of this notice, which I still am not. Like general counsel states that the company has contacted XXXX XXXX XXXX about this alleged debt, however, almost one month after his response on XX/XX/19, I have received neither an initial notice in the mail not verification of the debt to prove I owe it, which XXXX offered to provide upon receipt from XXXX XXXX XXXX. XXXX clarifies that my name is not mentioned in the report, has a different address, and does not provide either, however will not remove it from 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