BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-08
Company: Experian Information Solutions 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:
I have been trying to dispute a collection account by the name of XXXX XXXX XXXX, that is reporting on my credit report as newer debt, but it is past the statute of limitations for the state of Georgia ; I have successfully been able to get it removed from two credit bureaus when I submitted the dismissal I received from court but Experian is refusing to remove this collection account from my report, stating the information is accurate, even after submitting the dismissal letter. The information is definitely not accurate ; the account with the original creditor became delinquent in XXXX and there was no further activity on the account after that. That is 8 years and the statute of limitations for Georgia is 6 years. I am trying to buy my first home and this is damaging to my credit and I can not understand why Experian will not remove the debt from my credit report after submitting a dismissal letter from where it was dismissed last year in XXXX of XXXX because the debt is too old to sue for. I need help with this matter so I can get this removed from Experian.

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 2020-12-14
Company: National Medical Administrators, Inc
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern sometime in XX/XX/2020 I ordered on line a product called XXXX XXXX XXXX just for $ XXXX for shipping only and I received one tiny bottle and after that did not receive anything after 13 days I did call to cancel seems like did not recorded ( as scam ) and all of a sudden I received at {$200.00} something from the collection agency Im trying to solve this problem they said u committed but this is on line scam probably they do that to everybody. So please contact me perhaps a lot of victims out there like this matter. Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer. I was never given proper disclosures or the ability to opt out of my info being shared. I have not benefited from any of these transactions. I believe I am a victim of Identity theft. Please block, delete, and remove them immediately from my consumer report.

Also, I did not consent to authorize the sharing of my nonpublic information. The reporting of the information is NOT fair and equitable to me as the consumer.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, they aren't even in compliance with Metro 2 credit reporting.

I have evidence to prove my case!

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 2022-11-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this complaint regarding inaccurate personal information that appears on my Experian report. 
I have sent XXXX letters over the past XXXX months to Experian with attachments from the FTC as evidence that the previous address reported on my report is inaccurate. However, Experian refuses to delete the address from my report. 
Under the FCRA, Duties of Users of Credit Reports Regarding Address Discrepancies Section 605 ( h ) ; 15 USC 1681c ( h ) ; 12 CFR 1022.82 ( XXXX ) requires that, when providing a consumer report to a person that requests the report ( a user ), a nationwide consumer reporting agency ( XXXX ) must provide a notice of address discrepancy to the user if the address provided by the user in its request substantially differs from the address the XXXX has in the consumers file. Section 605 ( h ) ( XXXX ) requires the federal banking agencies and the XXXX ( the Agencies ), and the FTC to prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of address discrepancy. 
I request that the inaccurate address is removed from my credit 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 2022-07-20
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX I approached Wells Fargo to refinance my variable mortgage originated in XXXX at which time they refused to finance the entire amt in one conventional and required a down payment plus a 2nd loan for 10 % ( approx $ XXXX ) which they presented with a nearly 12 % APR. I read the information and was told that it was a principal/interest loan but did NOT realize it was an interest DAILY loan. I was told that as long as payments were made the payments would apply toward principal & interest, more the former as time went on and 15 years the balance would be a balloon payment due ( XX/XX/XXXX ). They just recently informed me that I would now be required to payoff nearly $ XXXX after paying them double the origination amount after 15 years of on time payments and I don't have that balloon payment. I contacted them regarding my hardship and requested any program that they would have in place due to the predatory nature of this loan and a settlement payoff amount of set value and they declined. Fact remains, Wells Fargo originated this loan during the height of their predatory lending practices and did so to take advantage & now I'm the one paying the price. They need to be held accountable. I should NOT be stuck with having to pay MORE. They knew what they were doing & I should not be further penalized for their criminal practice in 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 2022-02-08
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: Account status incorrect

Complaint:
I have contacted XXXX, the submitted a letter with no proof of any late payments on my part, the did not correct the problem, and they are blaming the reporting agencies,

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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
On XX/XX/2021 I was shopping for a vehicle for my business and the dealer pull more than one hard inquiry on my report. My credit report was misused without my permission. I was under the assumption that only one hard inquiry would be used for my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I thought about cashing a check through my mobile app but decided against it. They are holding my money for 60 days and have caused me a lot of problems. My kids are not receiving things because of this.. My cell phone has been turned off, car note, insurance, credit cards, loans are all late and being charged with fees for what? So Usaa can feel better about themselves? My veterans XXXX check is the only income I have.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Shellpoint Partners, LLC
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
We closed on the sale of our property XX/XX/2023. On XX/XX/2023, XXXX XXXX received a XXXX in the mail for the remaining XXXX XXXX XXXX  and escrow balance of a total XXXX. The XXXX was made payable to both parties on the loan XXXX XXXX XXXX XXXX ). XXXX XXXX endorsed the check and proceeded to move back to XXXX. On XX/XX/2023, XXXX XXXX ' bank refused to deposit the XXXX in her individual bank account without XXXX XXXX being present ( he lives in XXXX ). XXXX XXXX and XXXX XXXX were not married and did not have a joint XXXX  account. XXXX XXXX called XXXX XXXX XXXXXXXX Shellpoint Mortgage Servicing XXXX XXXXXXXX. He explained the problem, they said they would need to conference both of us in because we both had to be " opted in '' to authorize an XXXX to be sent to XXXX XXXX ' bank account and would also need her bank info. After much trouble and several calls ( we had to explain our situation with every rep ) we could not talk to the same person each time we called or got cut-off. They said they are only an inbound call center. On XX/XX/2023, XXXX XXXX called them to find out why the XXXX had not been sent, Shellpoint made him call XXXX XXXX an a conference call. The rep we spoke with said the last rep on XX/XX/2023, forgot to " opt in '' XXXX XXXX. She assured us that we both were " opted in '' this time and our XXXX to XXXX XXXX bank account was being processed ( XXXX XXXX verified the bank info ). On XX/XX/2023, XXXX XXXX called to find out why the XXXX had not been sent. The rep that spoke to her said that the last rep did not " opt in " XXXX XXXX. We had to bring XXXX XXXX back on the line to " opt in '' for the XXXX. time. We were assured that we would have the XXXX in XXXX more business days. It is XX/XX/2023 and the ACH is not in the designated bank account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Mercedes Benz Financial Services
State: FL
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 CREDIT WAS PULLED WITHOUT MY PERMISSION AND ACCTS ARE LISTED THAT I HAVE NO RECOLLECTION OF. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MERCEDES BENZ FINANCIA 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15

U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-14
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent in final payment for my mortgage on XX/XX/XXXX. 

Your payment in the amount of {$15000.00} was received and applied to your loan on XX/XX/2022 for the following property : Loan # : XXXX XXXX XXXX XXXX XXXX It was misapplied, so they had to correct it. Even though I paid in full, they then said I owe {$180.00} to close it out, though it should have been only {$.00} per day that it was late. So I sent in payment for {$190.00} to just close it out and they returned my check because it wasn't certified or wired in. 

A few days later I received a letter that I owe for Insurance lapse from XX/XX/XXXX XX/XX/2022 in the amount of {$2800.00} for the two months lapse. My insurance for an entire year is around {$2700.00}. So now I owe this and despite basically not having a mortage at all or less than {$200.00} based on their error, I now over XXXX XXXXXXXX. I dispute this and try to resolve it and get hit with a late charge and another {$30.00} recording fee and they say I owe {$3100.00}, which I am sending out today as this has cause me a lot of grief and lost sleep over all these charges on a loan that should have been paid off on XX/XX/XXXX and I just don't see how I pay for insurance on a period that has already passed. 

I saw this article in your news room : https : 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 I believe that I have been a victim of over inflated 3rd party charges and hoping you can resolve this. It seems unfair to get hit with this charge after my loan should have been paid off and for a period that passed and at such an inflated rate.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the XXXXXXXX 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 2020-06-22
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX, Company Inquiries : 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 XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian : The credit inquiry named XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX is damaging my credit rating. Provide full documentation regarding the circumstances surrounding your release of my credit report, XXXX, pursuant to the permissible purpose provisions of the Fair Credit Reporting Act? I have submitted several disputes and several times I have been notified that there was an investigation. 
If you can not provide such documentation, you are obligated to remove the offending inquiry at once. Can you provide me with the validation that was used to verify this information? 

Sincerely yours, 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 2021-05-03
Company: Ocwen Financial Corporation
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Owner XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX Washington, DC XXXX Contact XXXX XXXX Account number XXXX PHH Mortgage Services XXXX. XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir, contacting you to discuss my mortgage and the serious issues I am having with my mortgage. I am in pre-foreclosure. I am 1990 days behind in my mortgage payment. 
My XXXXirst mortgage company XXXX XXXX  XXXX XXXX, which was closed by the Government for mortgage fraud case. This started with my hardship of my husband passing away, than I lost my 23 year job. I experienced 2 great lost. With losing an income and my job I reached out to Housing counseling who set me up with a pro-bono attorney. This attorney was horrible, I told him this mortgage is a fraud account he agreed and stated he would point that fact out in court he did not say a word to the judge. 

This account continues to be under review, when I spoke to my customer account manager on XX/XX/2021 he states that they are waiting for XXXX XXXX who is the owner of the loan, XXXX XXXX has not sent the required approval for the loan to be modified. When contacting XXXX XXXX they state they " don't own the loan '' I have sent in all requested documents, i.e. tax years, bank statements, 3 pay studs, also my son 's document also. I have a full and part time job and social security. 
I am overwhelmed with this on-going merry-go-round. Please know this is very serious and I am taking it as so. 

Please assist me in this 1900 day of turmoil. 

A true and sincere thank you for your attention is this very serious matter. 
Sincerely, XXXX 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 2023-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I am the victim of identity theft. There are accounts that were opened without my knowledge or consent. I became aware of these accounts and filed a police report with the XXXXXXXX XXXX XXXX Department. After further investigation I discovered it was a family member XXXX XXXX who stole my information and used to open fraudulent accounts. I have made all three credit bureaus aware that these are not my accounts and also sent in documents from FTC and police report. All three credit bureaus have ignored my request despite my police report and Ftc report. I have reached out to all three credit bureaus 4 times and no 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 non-monetary relief