BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-15
Company: Sierra Holdings LLC
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX To Whom It May Concern : I am writing this letter regarding Auto Dealer Fraud and Credit Application Fraud for XXXX XXXX XXXX, XXXX located at XXXX XXXX XXXX XXXX, SC XXXX, and XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX. In XXXX of XXXX my sister purchased a vehicle from XXXX XXXX where originally I was going to cosign on the car, however the sales representative decided my credit was stronger and placed the loan in my name unbeknownst to me. I never signed any documentation or even visit the location and had no idea about the loan until XX/XX/XXXX when I received a call regarding late payments. I explained that I had not financed a car through them and that the car belonged to my sister, I never signed anything so how do I get this handled. I was forwarded over to a supervisor by the name of XXXX XXXX who immediately recognized the signed contracts had been forged because all the signatures looked the same, she forward me the contract and advised to have my sister call in to refinance in her name. I spoke with my sister and she assured me everything was taking care of. I happened to pull my credit report and saw a repossession on my report, I called the finance company immediately and was advised even though she still had the car, because it was repossessed and she retrieved it back it would stay on my credit for seven years I advised them the car should have been removed out of my name and placed in hers because I never signed any documents, I was advised that once she completed the payment arrangement and get back in good standing they would refinance the loan in her name. To date that have not occurred and is still reporting negatively on my credit report. I never signed a contract, I never been to that dealership, I was never told about the loan or the terms regarding the contract and the finance company is well aware of the fraudulent act and did nothing to rectify the situation and continue to report negatively to the credit bureaus. I am pleading for your assistance in getting this matter handled. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Goldman Sachs is being discriminatory against me as a XXXX year old XXXX male. 

I have been approved for the Apple Credit Card twice, I have sent in my documents, I have answered questions related to my credit report, I have done everything to identity myself. 

Goldman Sachs still denies my application for " unable to verify identity ''. I asked if I could send my docs by mail or even send an email. They refuse to accept my identity unless it comes from an XXXX with a higher quality camera than my old XXXX XXXX. 

Basically, Im young, XXXX, with good credit, and willing to send whatever information to verify my identity but Goldman Sachs refuses to give me the ability to verify my identity.

I have already been notified by Goldman Sachs twice, both time saying I was approved. Only to later snatch the hope away from me with word later that I was unfortunately denied. 

I can not afford a new XXXX, they must accept documents via fax, mail, or email to allow me to verify myself. Making an XXXX which is not in my budget the only way to verify my self is extremely illegal and XXXX on Golman Sachs behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
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 information incorrect

Complaint:
I have sent in numerous letters in with supporting information in regards to accounts listed on all three major credit bureaus ( XXXX, Experian, and XXXX ) that are providing inaccurate, missing, and erroneous information. I have four collection accounts and two charge offs and they are all being reported inaccurately. The letters that I have sent in have been met with a response that state that they are verified and correct. I subscribe and pay for a credit monitoring service ( MyFICO ) that shows that they are in fact NOT correct. I have received reponse letters from XXXX, XXXX and Experian all saying the same response and i have been met to no avail with any progress on getting these accounts deleted. Under Federal law I know that if the information Is either proven to be inaccurate, missing, or erroneous that they are required by FEDERAL LAW to DELETE them IMMEDIATELY! I have provided documentation supporting my complaint attached below. I am a litigious consumer and fully prepare to act under the full extent of the law to get this resolved.

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 2017-07-31
Company: EQUIFAX, INC.
State: MA
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 opened a XXXX XXXX credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX  XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received a letter in the mail on XX/XX/21 stating that I was denied a Best Buy Credit card after applying for one. The reason was because a social security number that was provided did not match the social security number on credit bureau report. I had not applied for a credit card recently and have never applied for a Best Buy one. I had contacted XXXX about this matter and they told me my next steps to take were to report fraud via FTC.gov.

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 2021-02-10
Company: Nelnet, Inc.
State: IL
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:
On XX/XX/XXXX, I submitted a dispute letter to all three credit bureaus. I received a response from all three credit bureaus. On XX/XX/XXXX, I sent a demand of action letter to all three credit bureaus demanding the removal of all duplicate NELNET accounts. XXXX has not removed these duplicate accounts. XXXX and XXXX have. Two accounts with account # XXXX and two accounts with account # XXXX ( for a total amount of {$4300.00} ) are showing closed in the same frame and showing POSITIVE with XXXX. On XX/XX/XXXXI submitted an in-school deferment request to NELNET. As of XX/XX/XXXX, they noted the account, " No adjustment needed, '' because the accounts are closed. They can not confirm my deferment because the accounts were closed. Also, on XX/XX/XXXX, I sent a correction to the credit report to remove XXXX XXXX which was paid in full on XX/XX/XXXX. They have failed to remove that as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-11
Company: CASH AMERICA INTERNATIONAL, INC.
State: SD
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I got a call from this company on XX/XX/2018 and a text message on the same date and this company has told me that I will be served with papers and I have tried to tell them that I never received any paperwork in regards to the loan and that I have no phone # to get in touch with them unless they call me. I have received no emails in regards to getting any paperwork from them. They are making threats to garnish my wages and will not send me any paperwork. 
I also believe that this is the company that hacked into my bank account and stole money from both my savings and checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 opened a XXXX store credit card and have been trying to enroll in automatic payments. I have tried for approximately 5 months. Each time a representative states I need to fill out a form to enroll. Other Representitives say they can enroll me and have. So I think I am all set. The next month comes and goes then I get a collect account notice. I called they stated the will pull it back from the agency and apologize for my inconvenience and do not understand why the last representative did n't take care of it. This goes on and on. I always pay to have my card brought current. Although it should not have gone into default to begin with. Any way XXXX is mis reporting to the credit bureaus the card is delinquent when it 's their fault. I do not have any other account or credit card company that I have this same the problem with. XXXX XXXX XXXX owned by XXXX which XXXX XXXX just bought. I want the late fees reversed. I want my credit corrected.

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 2017-08-02
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RPM, Receivables Performance Management LLC, for XXXX, is trying to collect a debt that has NOT been Validated as mine, which has been disputed and requested to do such Validation on XXXX XXXX, 2017. Also, RPM is NOT licensed in the State of Florida to collect a debt. This debt is reporting FALSE information on my credit report, on XXXX, XXXX and XXXX. The collection amount listed on my credit monitoring site for {$120.00} and never made aware of such debt in writing. This is a violation of the FRCA.

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 2017-07-31
Company: Diverse Funding Associates LLC
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I first received a letter from XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX of 2017, their letter which is attached was dated XXXX/XXXX/2017, and immediately sent them a letter disputing this alleged debt and asking for them to verify it. I received nothing back until just recently, letter dated XXXX/XXXX/2017, which clearly shows they totally ignored my letter which they received on XXXX/XXXX/2017 and was sent USPS Certified Mail with Return Receipt. I am asking XXXX XXXX XXXX XXXX XXXX XXXX. to either verify this alleged debt or delete this from their records and from my credit report if it was reported. They also have n't proved to have any right to be on my credit report because I know for a fact I 've never contracted with them nor consented them to be able to make any communication on my credit reports. XXXX XXXX XXXX XXXX XXXX XXXX XXXXs also violating the FDCPA by continuing collection activity when they can not provide any documentation to prove I owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account information incorrect

Complaint:
There has been fraudulent assignments by XXXX, XXXX  XXXX, XXXX XXXX  ; XXXX XXXX XXXX and stolen against my property ( ies ) at XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX Nevada XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I demand a FULL investigation and criminal prosecution against ALL parties involved in defrauding XXXX & XXXX XXXX for profit since XXXX current. Under ALL Federal mortgage & bankruptcy codes, Especially XXXX laws! 

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 2020-11-14
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Asked for information pertaining to the collection. Never received any info. The only communication made is between CFPB and them. They responded to CFPB and said they acted in accordance with the law. Not sure what that means. Anyhow, all I know is that they said the debt is from XX/XX/2017. I have no medical debt from 2017. They have not sent any paperwork for me to figure out what this is. If needed, I qualify ( qualified ) for financial aide for medical debt under income poverty but I dont know how to apply the aide to the debt since Financial Credit Network collection agency has failed to send me one document of info so as to clear this up.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: Freedom Mortgage Company
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Due to family court case I had falling a payment behind, the entire time I was in contact with them trying to work something out they refused didn't have anything to offer me they are do not care about my business that has been made obvious. I caught up on my Mortgage on my own with no help or offers to set up a payment plan it was clean they wanted to take my house from me because it's Valued around 300k and I owe XXXX so they want to take it sell it and make money off me while collecting unnecessary PMI Fraudulently collect insurance that isn't needed and doesn't exist. They have charged me 2 {$20.00} Fee 's illegally they claimed someone came to my house to check on it lol. No one has EVER come to  this property EVER! they lied to charge made up Fee 's. I have 24 video surveillance and asked for the description of the car and person because they are lying and never once came to my property. I paid all my back and late fee 's they are now charging extra just cause they can. I called the FHA and they said I only have to pay PMI if my loan is 90 % no equity which I have in writing from the FHA which said to file an FCC Complaint which I have I did. I asked Freedom if I paid for the appraisal if they would remove the PMI sense there is no GAP if my house was sold today by the bank the would get 280-300K so there is no reason at all for PMI. They false advertise that they try and find was to lower your loan FLAT OUT LIE. I Found they way and they refused they charge extra 20 fees illegally. They reversed my online payment in order to charge more fee 's. Also they stopped sending me statement so I would have trouble paying sense the online system doesn't work correctly their employee gave me the wrong XXXX XXXX to mail it in so they could collect another late Fee.

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 2021-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have paid off my credit card. However Im still receiving late payments. I have contacted Capital one to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
There are several inquires on my report that I did not authorize or recognize, please delete immediately. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries. 
XXXX XXXX I never authorized these inquiries XXXX XXXX I never authorized these inquiries XXXXXXXX XXXX I never authorized these inquiries

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 2018-05-07
Company: CNG FINANCIAL CORPORATION
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AXCSSFN has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: American First Finance, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I spoke with a customer service rep with American First Finance to process a payment. I have an agreement with said company for automatic withdrawal on Friday 's once a week from my bank account. However, my employer changed thus changing my deposit status from direct deposit to a prepay debit card. Therefore, when I made a payment via telephone with customer service I authorized them to make a 1 time payment from the prepay debit card as the funds were no longer available in the original account authorized. Then on XX/XX/18, XX/XX/18, & again on XX/XX/18 American First Finance made additional withdraws in the amount of {$46.00} from my debit card without my  written, verbal, or expressed permission. I contacted American First Finance on XX/XX/18 in regards to this matter & asked they review the recording from when I made initial payment from my debit card to verify I never gave them permission to make any further withdraws from that card yet it was taking place. After reviewing the recording the manager on duty told me I did not specifically tell them not to keep my card number on file so it was automatically added as a method of retrieving payment. I explained to her I didn't specifically give them permission to save my card information either but in fact both according to their recording and my statement the agreement was for a 1 time payment & I further questioned the legality of their actions. Her response to me was that " it happens ''. That was the end of our conversation. So my question is to the legality of this situation. Being, if I have hidden a key to my home outside my house but give an acquaintance permission " 1 time '' to use that hidden key and enter my home yet, on their own accord they choose sometime in the future to re-enter my home without my permission did they some how have an expressed permission to re-enter my home because I gave them permission " 1 time ''? I don't believe that would be considered legal neither do I believe it is legal for American First Finance to re-enter into my debit card account without my written, verbal, nor expressed permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: National Credit Adjusters, LLC
State: OH
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 second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT XXXX  # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: TX
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 disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.

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