BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-26
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was laid off work, due to Washington state mandatory office closure for the corona virus, on Wed XX/XX/XXXX. On Thursday XX/XX/XXXX, from AES, I received an autmated email stating to go to StudentAid.gov and apply for Income Based Repayment plan, which I did. It also stated if I have any questions, several ways were listed on how to contact them. I tried them all. I went to the app and tried using online tools to defer, but a pop up stated it was unavailable and needed to call. I called, and the message said the office was shut down, no way to leave a message. I tried their website, also ran into the same issues. I tried to email, but a pop up stated it was also not available. ( AES does not have an email address listed, you have to email them through their app or website ). I tried live chat, it stated no one was available. Finally I went to their social media site, and saw that I was not alone. Hundreds of comments were showing that they too could not get a hold of AES, and were getting no responses. I left a comment, and was told to message them through XXXX XXXX. On XXXX, I was told " I reached out to my team to assist in requesting a deferral on payments in response to the corona virus directly impacting you. ", and " I'll keep tabs on your request to see when our team is able to reach this '', and " Still available on Social! ... .Message here if you need anything. '' Fri XX/XX/XXXX, I checked up via XXXX XXXX  to see if they recieved/reviewd my application, since I had to file for deferment for my other student loan ( XXXX ) through the same website, and wanted to make sure it was done correctly ( There was no place to specify what loans I was applying for deferment, I am assuming because it addressed all. Yet from XXXX, I got quick responses same day and follow up emails and calls answered in under 10 minutes. My deferment was just approved yesterday with XXXX. ). From AES-No replies AT ALL. I tried again XX/XX/XXXX Sunday, on Monday, and Tuesday. No replies. I can see that my messages were " read '' by AES, but no one is responding!!! Then I was billed my full amount, debited right from my Checking account yesterday. I again tried all the ways to contact them listed above, and finally an email was able to be sent, I received an auto reply saying my Deferment question was received, and they'll get back to me asap. I am very frustrated at this point. I have no income at the moment and they are not helping me during these financially difficult times. I have been a customer of AES since 2005, never missed a payment, and have even paid extra on occasion. I am very upset with how they are handling the national crisis. People are struggling, yet they are making themselves unavailable to their clients.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am writing regarding inaccurate information being reported on my XXXX Credit Report by Credit Acceptance Corporation located in XXXX, MI. My auto loan account with this company was included in a Chapter XXXX Bankruptcy, which was filed XX/XX/2016 and discharged XX/XX/2016. Upon reviewing my XXXX credit report after the bankruptcy discharge, I noticed that the company reported I " failed to pay '' XX/XX/XXXX. My account was paid and never late prior to the bankruptcy filing. Additionally, I continued to make payments after the date of bankruptcy filing date. In the end, the vehicle was included in the bankruptcy. 

I have filed multiple disputes with the XXXX Credit Agency regarding Credit Acceptance 's derogatory information, which included my bank statements verifying that I have never made a late, only to have the company respond to the dispute confirming that the " failure to pay '' is accurate. 

The negative " failure to pay '' that is being reflected on my XXXX Credit Report is causing my credit score to have nearly a XXXX point difference than the other XXXX credit reporting agencies. This is a significant difference and has impacted my ability to rebuild credit after my bankruptcy. The substantial difference is a red flag to potential creditors.

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 2020-03-25
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage company lost our closing bulk check from county tax office. 

Closed on our home on XX/XX/XXXX with previous taxes paid by previous owner Loan was accepted by Amerihome mortgage company the same month. In XX/XX/XXXX Amerihome attempted to pay annual taxes to XXXX, NC {$3500.00}. On XXXX XX/XX/XXXX XXXX county sent bulk check # XXXX to accounting to return to Amerihome because they attempted to overpay XXXX taxes. Check was confirmed sent on XX/XX/XXXX. We called Amerihome XX/XX/XXXX and XX/XX/XXXX to initiate an inquiry. We were told to call back in 5 business days. Followed up with a call on XX/XX/XXXX and found out no inquiry had been opened. Amerihome then open an inquiry and asked to be given until XX/XX/XXXX. Attempted to call today with no response, and no virtual support on website. Also no changes to our account. Recieved first mortgage bill which is now incorrect because escrow in short XXXX because of the lost/misapplied bulk check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: Sherloq Group, Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I discovered the debt collector on my credit report. I mailed them XX/XX/2016 requested they provide full legal validation. They have not responded

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX, XXXX, XXXX XXXX did conclude a Consumer Credit Transaction with the ( 2 ) herein named business entities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ] and CAPITOL ONE AUTO FINANCE XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ]. The Truth in Lending Act is intended to inform consumers about the cost of credit. This same act is intended to protect consumers against abuse and deceit by presumed creditors and XXXX XXXX has been abused and deceived. XXXX XXXX is aware of and has proof in attachments and exhibits mailed ( hard copies ) to The Consumer Financial Protection Bureau via USPS Certified Mail No. # XXXX XXXX XXXX XXXX XXXX received by this Bureau in its mailroom on XXXX XXXX XXXX. Copies and attachments of the same were also mailed via USPS Certified Mail to both herein named business entities as well as the FEDERAL TRADE COMMISSION. CAPITOL ONE AUTO FINANCE and XXXX OF XXXX XXXX are in violation of 15 USC Sec. 1605. A finance charge is the sum of all charges in a Consumer Credit Transaction. Both herein named business entities ( assumed creditors ) failed to inform CONSUMER of his RIGHTS OF RECISSION under 15 USC Sec. 1635. RESPONDENTS are also in violation of 15 USC Sec. 1611. Both business entities named and identified herein willfully and knowingly failed to provide/disclose the required information pursuant to the provisions of 15 USC Sec . 1601. RESPONDENTS are now criminally and civilly liable. See RIGHTS OF RECOURSE under UCC 3-311, UCC 3-603 and UCC 3-604. Both herein named business entities accepted the promissory note/security instrument. See also 15 USC Sec. 1602 ( h ) through ( n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Credit Corp Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
to whom it may concern I am receiving telephones to my place of employment for debts that are not even mine. I am requesting to press charges to full extent of the law. And demand they stop immediately the company name is credit corp. solution the rep name is XXXX XXXX the phone she gave me is XXXX ext XXXX. I will further more cc the Texas State Attorney General Office so they start investigating the company tactic and demand that this loan is removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
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: Account information incorrect

Complaint:
I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have found several names and addresses on my credit report that do not belong to me. I have recently filed an FTC. My full name is XXXX XXXX XXXX and all variations of my name ARE NOT MINE. 
I found out my ID was stolen and someone has been using my name to open accounts, utilities, and mobile accounts. 
The following accounts are fraudulent : 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 2022-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XX/XX/2022, I disputed the unauthorized, non permissible purpose, inaccurate items on my consumer report through the CFPB. Its past 30 days of the investigation mark and I have received any deletions nor an update on ALL results. Their silence tells me that they can not verify the information and need to be PROMPTLY DELETED from my report and file per 15 USC ( i ) ( 5 ) ( A ) ( I ). TRANSUNION repeated negligence and non compliance has damaged me with emotional stress and ruined my reputation and credit worthiness. These are CRIMINAL acts In accordance with the FCRA and FTC ACT.

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 2016-03-25
Company: Atlantic Credit & Finance, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

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 2021-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

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 2021-03-19
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was applied for a Home Equity Credit line for my wife and I, Approximately Mid XX/XX/2020 on our Home, mostly at the behest of the bank. I had supplied all Records requested, W2 's for XXXX & XXXX Tax Statements etc. There was an RE Valuation done. With an extremely high Credit rating XXXX, Plenty of funds in banks accounts ( exceed the Home Credit line requested ) and no mortgage on the property, it seems there would be no problem.

However, The bank is demanding Tax records on a Mobile Home I am on the title for with My Daughter. This was a Mobile home, purchased for cash. Therefore, No mortgage. Also, banks do not consider Mobile Homes Mortgageable. 

I question the legality of requesting this information and also holding up the Request, as of today 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 2015-07-20
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This letter is being sent to you in response to the above reference account that Alpine Credit INC. has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against Alpine Credit INC. for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of characterIf Alpine credit INC. is able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days investigating this information and during such time all collection activity must cease and desist. Also during this validation period, if any action is taken which could be considered detrimental to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX you replied to me with the enclosed letter claiming that the bankruptcy was verified by XXXX Appalled by that information, I went directly to ( XXXX ) and in response to my inquiry they claim to have never VERIFIED the Bankruptcies with Transunion. I also have a email from ( LCI ) stating they did NOT provide Transunion with my Bankruptcy information. This would mean that the bankruptcies is by law considered XXXX. 
In XXXX, and XXXX Transunion used XXXX to verify Bankruptcies per TRANSUNIONS website both of my Bankruptcy were filed in XXXX, and XXXX. There is no way XXXX could of provided Transunion with this information. XXXX do NOT have any Bankruptcy for me in their system. XXXX attaching a letter form XXXX as well stating they do not have any Bankruptcies in their system for me. 
I AM AWARE, THE FCRA STATES THE FOLLOWING : A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. 

I have enclosed the email from XXXX for your inspection, and a copy from Transunion website stating that they started using XXXX in XXXX, XXXX. Please DELETE both of the Bankruptcies from my credit reports as it is NOT verified!

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 2020-03-25
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have sent XXXX  and Equifax several letters reporting the unauthorized inquiries made in my report. The proper legal procedures have been taken with the letters for the Reporting companies to delete the innacurate reporting without any success. 

The following inquiries have been made without my authorization or consent. 

XXXX : 1. XXXX XX/XX/XXXX 2. XXXX XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX - XXXX  XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX  - XX/XX/XXXX 6. XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My credit score dropped 60 points due to me paying off a mortgage that was on my credit report for 13 years. Transunion shows this account as closed but did not reflect that it was paid off. 
I contacted XXXX and spoke to someone in a different country that I could barely understand. They stated that I lost that file off my credit report and therefore it was not used in the calculations of my score. I asked the gentleman to send to another Department to file a complaint. He stated that I should send it in writing. Once again I requested to file my complaint by phone. He refused at which time I asked for a supervisor. 

I spoke to another gentleman claiming to be a supervisor but he stated they exact same thing. He stated that they did not allow consumers to file complaints by phone and that I needed to file my complaint by letter. I asked for his supervisor and he told me that he would send me to the United States Legal Dept. 

This was at XXXX XXXX and the call was anserwed at XXXX by the Special Needs Dept. I spoke to a Lady who stated the same thing and that my credit history was not a reflection of my Credit Score. I requested to file a complaint by phone and She stated that they do not accept complaints over the phone. She then placed me on hold and stated that I could file a complaint over the phone. She stated that my complaint had been recorded and I asked for a compliant # for me to research at a later date. She stated that there was no complaint #. After I raised the question of there being no number then she said that there was a complaint # XXXX. I expressed to her that I was filing a complaint with the CFPB and she stated that number would be available for them to find.

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