BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
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:
I asked Experian Credit Bureau to complete a verification on the accounts below that are on my credit report. They told me they completed the verification, and everything was accurate, however I completed a thorough research myself and found improper inaccuracies on my credit report even after they completed their research. 
In accordance with the Fair Credit Reporting Act, the following accounts has violated my rights : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

In the attachments you will see : Dispute Letter sent to Experian via Certified Mail on XX/XX/2022. 

Copy of the Certified Mail Receipt Credit Report from XX/XX/2022 Experian Credit Report o The accounts in question and inaccuracies are highlighted Updated Credit Report from XX/XX/2022 o The credit bureau stated my accounts were verified, but the inaccuracies are still present. The accounts in question and inaccuracies are highlighted

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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
As of XX/XX/XXXX, I am in receipt of documents mailed to my address by XXXX XXXX collection agency. The above collection agency alleges that I electronically signed a lease agreement with The XXXX apartment XXXX of XXXX. Account number XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 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 the information is inaccurate. 


The documents enclosed with this complaint will provide credible proof that Transunion was incompetent in conducting a reasonable investigation regarding this matter. After illegally reinserting this item on my credit file around XXXX of XXXX. Repeatedly violating my consumer rights by ignoring my requests for disclosure of their reinvestigation. This agency is completely out of control. And should be reprimanded. 
The documents claiming that I signed a lease agreement with the apartment complex are missing one key factor. My actual signatures.. 
Not one piece of document bares my actual signature. 
This poses the question. How did I obtain the keys to the apartment without initially going into the leasing office and actually signing these documents? 
The valet Trash addendum ; No wet ink signature. 
The Fitness center addendum ; No wet ink signature.

Mini Fridge addendum ; No wet ink signature.

Pool pass addendum ; No wet ink signature.

Likeness agreement ; No wet ink signature.

Lease addendum addressing carrying of handguns onsite ; No Wet ink signature.

Lease addendum for additional special provisions ; No wet ink signature. 
Lease addendum allocating water/waste cost ; No Wet ink signature.

Lease addendum for early termination ; No wet ink signature.

Security guidelines for residents addendum ; No wet ink signature. 
No document baring my signature claiming I was given the keys to the premises. Such as a key receipt. 
I was sent 47 pages of this documents regarding this alleged debt. Not one piece of paper bares my real signature. 
I demand that this account be received from my credit file permanently and 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 non-monetary relief
Consumer complaint received 2020-04-06
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I tried to contact the company for a deferment on my auto loan. They refused and I it offered 1 week extension.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX 2015 i filed a complaint about wakefield & associate who claimed that i owe XXXX XXXX their response was that they will contact XXXX credit bureau to removed them. after those debt was removed from my credit report, on XXXX 2015 they reinserted again those debts. I am filing this complaint to get this debt to be immediately removed from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: SANTANDER BANCORP
State: PR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank deducted from my account a daily charge of {$5.00} without my consent because supposedly it was in overdraft. I was not informed of this new policy from the bank and today XXXX/XXXX/16 I closed my account with Banco Santander.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I wanted to inform you that i am currently experiencing difficulties with Bank of America during the process of getting a loan modification on my mortgage, its been an ongoing process since last year XXXX up until the end of this year XXXX i have submitted financial information and all required documents but gave yet to receive an official answer which has left me in limbo about how to proceed on my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: EQUIFAX, INC.
State: CA
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:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30-60 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is reporting a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XXXX in case it is needed to locate the fraudulent inquiry in their system.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This number calls me 3 or 4 times a day. They leave messages from syncorny bank for pep boys. I have called them and said I'm not XXXX whatever, and to stop calling, but they do not. I don't have any credit cards or loans with them. I can't stop them from leaving voicemails even though I have blocked them. They call as early as XXXX edt, and until 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 2020-04-06
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on a repayment plan with Loancare and called on XX/XX/XXXX to try and make a payment. I was then informed that they never received my XXXX payment ( which was very confusing ) and that I was kicked off the payment plan in XXXX. I escalated the call to a supervisor name XXXX and was informed that my payment arrangement was setup incorrectly and that some of the money went into Escrow instead to my payment. I was then informed that he was going to correct the mistake and place me back on a payment plan. He will call me back shortly. I called back the next day just because something was telling me to make a payment anyway. When I called back I was informed that I shouldnt make a payment because they didnt want it to go into Escrow again and make things worse, to wait until XXXX called me back and he will fix it. I was told that XXXX was going to make sure it didnt go into Foreclosure ( per his notes ) and was going to call me by Tuesday. When I didnt here from XXXX XXXX called him back on Wednesday. He informed me that my account was sent to Foreclosure on XX/XX/XXXX and the only options that he could provide me was to do Loss Mitigation or come up with two lump sum payments which I agreed to the 2 payments. He called me back and informed me that XXXX XXXX from the default resolution department would be calling me to get the 2 payments set up and to place the XXXX payment on a payment plan. I never received a call from her even though she noted that she called. I called back on a Monday and she informed me that she cant do the 2 payment option. I asked her why did they even give me that option if they werent going to honor. I called back to try to escalate the call again just to see if they would honor what they told me. I spoke to a supervisor in collections name XXXX, she read over the notes and told me not to worry about it she will get it all straightening out. She said she will either have XXXX call me or she would. I havent received a call from neither one. Every time I call no one return my calls. I feel like all this was done on purpose to make me lose my house and put me into Foreclosure.

Loan # 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 2017-01-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
State of Georgia has no process or support for withdrawl of paid liens or liens made in error. Contacted credit bureaus informing them that the lien on my credit report is not accurate and have not made any headway

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 2022-04-15
Company: United Shore Financial Services, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to remove my primary mortgage insurance from my conventional mortgage. I am current on payments, been paying for over 2 years as the law requires. I contacted the company via email on XX/XX/22 to find out what appraisal company I needed to use to remove it. I have not received any response. When I call them, they say the mortgage insurance dept can only be contacted by email, and they do not have a phone number. 

I called again today, and they said they sent a letter on XX/XX/XXXX but I did not receive it. The letter said I was partially denied, and I needed to get an appraisal done by a company of their choosing, but they did not tell me what company and can not be contacted. The customer service person on the phone said I have to email them again and wait more months for a response. 

I am paying {$61.00} a month when I don't have to, and this company is collecting this money in breach of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We initially had a mortgage with XXXX XXXX, every year in XXXX, they would begin harassing us for a lump sum payment, normally over {$3000.00}, regardless if our payments were up to date, or XXXX behind, then after 7 years of this, they sold our loan to another company, XXXX XXXX, and they did the same thing in the fall of last year. They only owned our loan for a few months. Now ANOTHER company bought our loan, Select Portfolio, they are now harassing us. Calling XXXX times a day, leaving numerous voice mails, coming by my house, etc. I have called back and ca n't ever get the lady that keeps calling me. I try to work full time, my husband does, also, we have XXXX children, and my mother is in and out of the hospital. I have requested numerous times a modification, but noting ever comes of it. They just make more demands. I need someone to help us, and actually listen to us, because I am afraid other have the same issue. The original company, I am sure it is in our original contract, that they could n't sell our loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Was going through a divorce in XX/XX/2012 and desperately needed cash to secure an attorney for custody of my daughter to prevent my wife from obtaining 100 % custody for no justified reason. Took a {$10000.00} loan from cash call and am paying over {$800.00} per month and balance is still reflecting close to {$1100.00} after paing ontime for over 2 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The collection agency and the rep holding my account ( XXXX ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says XXXX is away from his desk and no one else can help me with my account. This has been going on since XX/XX/XXXX. My initial contact was XX/XX/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 2017-05-22
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in an accident on  XXXX   XXXX ,  2016. I  continued to pay until the insurance and GAP company paid. The final payment from the GAP insurance was cashed by  GM Financial  on  XX/XX/XXXX . I paid  XX/XX/XXXX  another payment as there was still a balance. I paid  2  payments in  XX/XX/XXXX  as I was trying to pay off the loan. I found out when I applied for credit and my car insurance company went up on my rates that I was being reported as delinquent in payments. I checked my credit report to find that  GM financial was reporting me as 30 days late. I tried to go on line to the GM Financial  web site and look at the payment history which is inaccurate. It shows all payments from   XX/XX/XXXX  on, as being received in  XX/XX/XXXX , when only one payment was received in  XX/XX/XXXX .  I tried several times to speak with  GM financial  because the online bill reporting is very confusing and inaccurate and they have repeatedly told me that the payments that came in from the insurance and GAP do not count towards any payments on the account even though the online statements state payment received so how is it not a payment. According to them even though the received a payment in  XX/XX/XXXX  from GAP and they repoprt it online as payment received that it does not count as a payment because it was not from me. I am attaching the statements for the months involved. Please help me. I feel I have been deceived by the online statements which are not accurate at best and misleading at the worst. When I spoke to a representative in  XX/XX/XXXX  it was only told to me that I needed to continue making payments until the car is paid for. They claim they told me that I was behind on my payments and that is not the conversation that I remember having with the representative. And when I told them that I  may  have to contact an attorney to resolve this issue because this does not seem proper they threatened that they would not be able to speak with me any further regarding my account. I have continued to make payments toward the remaining balance and will continue until it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Penn Credit Corporation
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I drafted XXXX debt validation letters to Penn Credit Corporation around XXXX 2016 and XXXX 2016. I was requesting validation for a debt from XXXX that is over 6 years old. They ignored all of my requests for validation and are damaging my credit report. 


Please investigate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CASHCALL, INC.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I got a loan with XXXXCash call. they take XXXX out the XXXX of the month. I have been paying on this for XXXX plus years. I for sure already paid this off but I cant find where to log in at to check. the numbers I am calling for Cash call ( XXXX ) goes to voicemail. I am beginning to get nervous as I have read on here lawsuits against them. I am an OHIO resident and believe they are still taking money when they should n't be. PLEASE HELP!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: Experian Information Solutions Inc.
State: LA
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 have attached a file with all incorrect information on my credit report. I went in to a dealership to apply for a car loan and found my credit ran numerous times without my permission, causing tons of inquiries to be added to my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-29
Company: Bread Financial Holdings, Inc.
State: CA
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:
Sent letter to comenity bank requesting original documents and proof Comenity/Forever 21 account. Comenity failed to provide this information more than 6 months ago.

Company response to consumer: Closed with explanation