BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-25
Company: American Financial Network Inc.
State: MS
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I have a car with XXXX XXXX XXXX. They have closed and filed bankruptcy. XXXX XXXX has taken over apparently but cant get information from them about if they will have title once paid for or basically any other info. I have had the car since XX/XX/2022.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Their are " late payments '' that are on my account that are way too old to still be on their getting reported for certain accounts and i dont know why they are still on there. After contacting the creidtors they said they dont know why they still show either and its up to the credit bureau not them. Please delete them off my file XXXX. XXXX XXXX ( XXXX ) Late payment that shows from XXXX of XX/XX/XXXX. XXXX XXXX- ( XXXX ) XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-26
Company: LoanUnited.com, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In the beginning of XXXX I responded to a mailed solicitation from Loan United to refinance my 30-year VA loan from 2.75 % to 1.75 % under the streamline plan. The person I dealt with was XXXX XXXX, Senior Mortgage Loan Originator, NMLS # XXXX, Direct : ( XXXX ) XXXX, Cell : ( XXXX ) XXXX, Phone : ( XXXX ) XXXX EXT : XXXX, XXXX After promptly sending in my documents, Mr. XXXX told me that they could not do the advertised 1.75 % rate, but they could do 2.0 %. I said okay and sent him all documents requested. I e-signed a bunch of documents beginning the process. He told me to skip my XXXX payment. 

On XX/XX/XXXX, the following lady contacted me : XXXX XXXX, Loan Assistant, Email : XXXX, XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX, Main : ( XXXX ) XXXX ext XXXX Next Loan United became obsessed with talking to my bank. First they contacted the wrong bank in Minnesota instead of Tennessee. This was the first delay. Next they had a third party with a thick foreign accent call me and tell me that the reason they had to talk to my bank was in order to talk about my loan with the bank. I told them that the loan was with XXXX and not with the bank, but they continued to argue with me that it was. I tried to explain that I had a loan with the bank for a condo in XXXX, and the loan I was refinancing was with Quicken and was in XXXX, TN. After all of this, XXXX and XXXX pretty much went silent on me, not answering my calls, messages, or emails. XXXX answered one time last Monday and said he would get an answer in 5 minutes, but did not. 

Now XXXX has slapped late fees on me and is harassing me about my loan which will soon be delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$7700.00}, {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$16000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Synovus Bank
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A fraudulent account was established by ! st. XXXX personnel agents. A charge of {$1500.00} on a fraudulent account was fraudulently reported as my account. Never was such account when on my account I closed I only had a {$300.00} limit. This was an XXXX account that I NEVER had. This report is hurting my progress in escalating XXXX XXXX  and from such XXXX profiling my credit score has gone from XXXX to XXXX am a XXXX XXXX XXXX XXXX XXXX and this scandalous act is unwarranted. I request an internal investigation and compensation that has clearly erupted my XXXX ... Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Experian Information Solutions Inc.
State: MN
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:
On XX/XX/2016 and XX/XX/2016 my account shows that it was 30 days past due two different Time. This is very inaccurate and I have contacted XXXX XXXX about this late payment and I was told to call the credit bear. I filed a dispute with the credit bureau and the inaccurate report is still being reported on my credit report.I have 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 explanation
Consumer complaint received 2018-05-03
Company: CIT BANK, NATIONAL ASSOCIATION
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:
Our home was hit by Hurricane XXXX on XX/XX/XXXX. Our zip code, XXXX, was declared a natural disaster area. I contacted my 1st mortgage ( CIT BANK ) to request forbearance. On XX/XX/XXXX, I received a letter from CIT Bank that my partial forebearance was approved ( Attached ) and would receive a contract to sign ( attached ). We signed and returned the contract and made our first partial payment on the date on the contract. I received a Credit Report Alert ( XXXX ) that CIT bank reported my XX/XX/XXXX payment 30 days late. I contacted CIT Bank and reported the error and was told that the contract DID NOT state they were not going to report late and therefore the 30 days past due was accurate and there would be no corrections. I cancelled the forebearance agreement in XX/XX/XXXX and made the additional payments to be current due to the severe impact on my credit score. I submitted a dispute for the late payment with the credit bureau and it came back as verified. My loan was transferred to XXXX as the new servicer on XX/XX/XXXX. I disputed it with XXXX and they will not make any corrections because it was CIT Bank My credit score dropped 40 points because of the 30 days past due on the credit report. Currently I am trying to refinance due to a balloon payment due XX/XX/XXXX and are unable due to a late payment on my mortgage within 12 months. I feel I was tricked by CIT by them not providing all the facts after a Hurricane hit our home. I can not get refinancing to make my balloon payment on my CIT Bank Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: ECMC GROUP, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Hello, I have a loan with ECMC currently and I'm in Chapter XXXX until next month. 
I have attempted to find out what my options are regarding decrease/pause on interest accruals and have only been slapped down by ECMC with any attempts I have to try to reduce my burden after my bankruptcy is complete next month. 

While the rest of the nation enjoys no interest and no student loan payments I'm still throwing money away. I have paid in over XXXX during my bankruptcy but while ( exorbitant ) interest is still accruing no one is willing to assist me in helping me reduce my loan debt.

Obviously I have no issue trying to repay my loan but I'm also at the end of my rope with ECMC who cares little about my mental or financial well being. 

I've contemplated what I might do if I'm unable to resolve this and move on with my life and should anything happen to me it will certainly be because of ECMC and the ridiculous interest rate and unwillingness to assist me in reducing any of this. 

I'm going to reach out to my senators and state legislature members as well because I need help and I need to know help will be there when I come out of bankruptcy next month. 

Thank you, ECMC 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 2017-08-01
Company: Williams & Fudge, Inc
State: VA
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:
Williams & Fudge just attempted to contact a family member residence to request information pertaining to XXXX XXXX XXXX, consumer, however, consumer XXXX XXXX XXXX answered the residential phone and asked what the business matter was in regards to and the representative XXXX indicated that she could not disclose. Therefore, it was suggested that XXXX not contact family members again as I have no business matters that I use family members address or phone number ( s ) for. It is believed that after reviewing the webpage for Williams & Fudge that this matter is related to XXXX University and the complaint should be associated with XXXX. XXXX University additionally contacted XXXX XXXX XXXX  on XXXX XXXX, 2017 via personal email to fill out additional paper for financial aid, however, the consumer has not done so. Additionally, I was charged a graduation fee and I do n't see or have received a letter telling me where to pick up the diploma ( Tennessee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2019-06-03
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: Account information incorrect

Complaint:
There is a delinquent count XXXX XXXX showing on my credit reports. This account is not correct.

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 2021-02-26
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Around or about XX/XX/2016 I had a credit card with Navy Federal Credit Union that was maxed out and I could no longer afford to pay the debt. I closed the account and I have since supported myself from both VA benefits and financial aid. Additionally, I have an account with this same institution that both me and my ex husband share to allow for the transfer of money to one another for the purposes of child care. That account has been the primary account that my benefits have been put into and only had {$210.00} prior to this incident. Recently on the XXXX of XXXX I received a payment from both the VA and XXXX that went to my University and my University forwarded the remaining balance to my account. The amount that the VA sent was {$5000.00} for XXXX VA benefits and the amount that XXXX sent was {$5100.00}. After the University deducted the cost of school they forwarded the remaining balance of {$5000.00} to the account on file. The next day on XXXX XXXX there was an adjustment to the account for {$3100.00} leaving only {$930.00} due to two previous transactions pending for {$1100.00}. Upon calling my financial institution I was informed that it was for the closed credit account and there was nothing they could do. The next day on the XXXX of XXXX I called again to inform them the money was both from VA benefits and government assistance and explained those funds should be exempt. I had even faxed proof of the funds origination. Neither of these calls were easy. I had to explain both my financial and personal situations to the Counselor multiple times and I was told that the funds in that account were not being used for school anyways. I explained that I dont possess a card for that account and my ex-husband uses it. They accused me of not speaking to them and I told her I had just talked to a rep who called me and it should be on file and she said that didnt matter. They proceeded to tell me after I sent proof that they would give me half back if I could commit to a payment plan and I again explained that even if I did that I couldnt pay consistently. The person I spoke to was rude, condescending and disrespectful and I dont believe she handled the situation within the bounds of the FDCPA. Furthermore I believe that the money they garnished, set off, or adjusted was exempt from them being able to do so. Now I am reaching out to CFPB to address this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: Bridgecrest Acceptance Corporation
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX. I signed my name to a loan for a vehicle through XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX for a used XXXX XXXX XXXX I.D . number XXXX Annual percentage rate 21.689 %, Finance Charge {$14000.00}, Amount Financed {$18000.00}, Total payments {$32000.00}, Total Sale Price {$32000.00} including down payment {$400.00}. I have been paying Bridgecrest {$430.00} every month since XXXX. I got behind in my payments XXXX, because of income decrease and have been trying to get caught back up. My truck was repossessed XXXX Total unpaid contract balance including accrued finance charges, other fees, and any other amounts added to my debt, if any, as allowed by law expenses of there retaking the vehicle. {$10000.00}, {$300.00}, Total amount required to redeem {$11000.00}. I was able to negotiate {$960.00} to get my truck back. Today I spoke to Bridgecrest about another decrease in my income, and if they could go by my income that I'm getting, because I have not been able to pay my rent in the amount of {$760.00} not including Gas, Electric, Water. I was told to pay {$360.00} starting XXXX, {$850.00} by XXXX, or {$1100.00} by XXXX and make regular payments of {$360.00} every two weeks until it will be paid off by XXXX XXXX and my title will be {$18.00}. I simply can't afford this with the income that I have been making. I have been paying on my truck since XXXX. I can't afford to loose my vehicle I have been paying on this long. And I have been doing the best that I can to pay them. They told me that they can't base anything off my income, because I agreed to pay this amount at the time I signed the loan even though I not making what I used to make. I'm still responsible for paying this amount. I am a single parent with a child at home and I should have never signed my name to this loan. All I wanted was a decent car to drive instead of driving a lemon, I have been charged triple for this used vehicle. The covid has been in existence since XXXX. I work with developmental XXXX and it has allowed me to continue to work. I can't work from home. I also have been trying to work odds and ins jobs just to make ends meet. Please don't let them take the only transportation that I have to go to work. It's hard enough. I have other bills, Truck insurance, Maintenance and repairs. I simply can`t do anything at this point, but pay Bridgecrest which is putting me further into a debt crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: EQUIFAX, INC.
State: NV
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 am seeking the deletion or modification of erroneous and inaccurate information contained in my credit file. I submitted a formal request to all 3 credit bureaus ( XXXX, XXXX  and Equifax ) on XX/XX/2020 ( via USPS certified mail ) seeking re-investigation of disputed information as set forth and defined by 15 U.S.C. 1681 ( 1 ). In particular 1681 ( i ) ( a ) ( 1 ) ( a ) required that the credit bureau respond within 30 days beginning on the date on which they received my notice of dispute. 
I had requested a reasonable reinvestigation as required by law ; I had requested that the bureaus please contact the respective furnishers and provide them with the relevant information contained in my letter, as required by 1681i ( 2 ), so that they may also perform a reasonable investigation. However, it has been 4 months now and I have not received any responses from XXXX  and XXXX  to my requests. I did receive a response from Equifax but not all of my issues were fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Prince Parker & Associates
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a {$450.00} delinquency for a XXXX account on my XXXX report as of XX/XX/XXXX. Current debt collector is Prince Parker & Associates. This is for service at my aunts house ( XXXX XXXX @ XXXX XXXX XXXX XXXX , XXXX, MO XXXX ). 

The years of service on this account are from XXXX. I DID live at the XXXX XXXX  address, but only till XXXX. After that I moved in with my girlfriend in her apartment, and then in XXXX we bought and moved into a house together, where we still live. Again, we moved into this house THREE years before the start of service on this account. My XXXX report confirms this timeline. 

I dont know how my name got put on the account. The email address on the account is not mine, and I can't access the account online, and never have. One possible explanation is my aunts daughter used to share a family mobile plan with me through XXXX XXXX XXXX, although I cant explain how that led to this. In fact, I have a current mobile plan with XXXX XXXX XXXX under a different login and email address. My aunt has acknowledged this is her account, not mine, and will pay the delinquent balance. I have asked her to wait until I can confirm this will be deleted from my credit report. 

XXXX XXXX XXXX has not been helpful. In fact, when I originally received a letter from the debt collector ( Prince Parker & Associates ) in XX/XX/XXXX I called XXXX XXXX XXXX to ask why I received it. They assured me not to worry, this account would not be collected in my name. Now I wonder if they were mistakenly looking at my mobile plan, or just trying to get me off the phone. I regret taking their word for it. They of course have no record of that phone call. 

Again, my aunt confirms this is her account. She will pay it, and accept any credit report consequence. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is my second time doing this because you guys didn't believe It was me. I am submitting some documents with this to prove that this is me reaching out to you because these companies have violated the law and I humbly am seeking justice. XXXX and XXXX a whole month and some change apart. If you read my letters I specifically asked according to the way the US supreme court cases have been handled and these companies violated over and over again and so I am now reaching out to you guys for the hope of future achievement.

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