BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-29
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
In order to get the new driver 's license that approves me to fly, I had to get a new SS card to match my first and middle name to the first and middle name that's on my birth certificate. After getting the new SS card that changes my first name and middle name in XXXX of 2021, I was able to get the new driver 's license as well. So now my name needs changed on the records of all three major credit bureaus. I've uploaded copies of my new SS card and license several times to Equifax, asking them to please update my name on my credit file. They still have my name as my old name. I've been denied credit because I applied in the name that's on my new license & SS card and Equifax still has my name as it was before I got the new ss card and driver 's license. I have had credit with all 3 bureaus for many years but Equifax is telling the bank I have no credit with them because they are looking for the wrong name. I've filed disputes with Equifax online starting in XXXX of 2021, and again in XXXX, XXXX, and XXXX, each time uploading my new documents. They still will not update my name. They resolve the dispute but do not tell me how and I can't read the resolution on their website. But my name on my credit report does not change with Equifax! It's very frustrating. 

As far as I know, the only credit bureau that has updated my name is XXXX and they made it easy! XXXX 's website doesn't work half the time so I don't know what name they have on my report. It appears from trying to access my information on XXXX, all they want is {$25.00} a month! 

My complaint right now is only with Equifax since they have caused me to be denied credit simply because of my name! They just appear to refuse to update my name to what's on my valid, current social security card and driver 's license. Help please!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: National Credit Systems,Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX Rushmore Loan Management of XXXX, Ca. purchased my FHA/HUD loan from XXXX XXXX XXXX. I was in active Bankruptcy Chapter XXXX at time of their purchase. I received notice from them they had bought the note. I began at that point paying mortgage payments to Rushmore beginning in XX/XX/XXXX as they requested. Little did I homeowner know, Rushmore lending intent was to show all payments made tothem under a " Property Preservation '' account which puts homeowner payments towards their regular mortgage in limbo, and creates an account summary favorable to foreclosurefor their purposes of acquisition and sale without current homeowner being made aware of this " Predatory Lending tactic ''. My home has no court order allowing XXXX XXXX XXXX any Foreclosure status in their sale of note to Rushmore Loan Management. Now all payments made to them by me are in a default status of mortgage loan payments I have been making since XX/XX/XXXX. This deceptive Predatory lending tactic should be exposed within the Mortgage lending community as a whole, and considered illegal business practice. Rushmore has no right to change my FHA/HUD home mortgage purchase toa Property Preservation account without court ordered foreclosure, property was never foreclosed on by Texas courts allowing such actions by Rushmore Loan Management.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have XXXX loans with Navient. XXXX loan, I can monitor myself online, have autopay set up and maintain. I am the student, graduated in XXXX. The second loan, I have a cosigner. A relative whom does not want to be cosigner. Around XXXX I filed for bankruptcy and was removed of liability of loan with cosigner. However, I still make the payments on this loan. After filing bankruptcy, Navient did not allow access of any information of the loan to me. They said cosigner needs to give ok. The relative lives in another state, making it so difficult for me to monitor my account. Not being able to take advantage of auto pay, denying me access to interest I paid for tax purposes. When asked to remove my cosigner, they made the transferring of ownership too difficult. I have loans with XXXX and XXXX success and maintaining loans with Navient has been the worst experience for both myself and my cosigner. I have to request my relative to check my balance and inform me an I never get to check if there 's an error since I 'm denied any information. I should be able to remove my cosigner and have access to my account like all other loans since I am the one making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-06
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a check from the Wells Fargo XXXX XXXX XXXX in XX/XX/XXXX, the check was made payable to my father who is deceased. On XX/XX/XXXX, I contacted Wells Fargo, spoke with XXXX advised her my father has passed, I am the Executor of his Estate and asked they reissue the check in my name. I was advised I would need to formally request this to be reissued and she would send me a form to complete. I called on XX/XX/XXXX spoke with XXXX and advised her I still had not received a form, I was advised it was in the queue to be sent this XXXX take 14 days. I received a Reissue Request Form, I completed the form, included a copy of my XXXX Death Certificate, Last Will and Testament, Statement of Informal Probate of Will and Appointment of Person Representative, Letters of Personal Representative and Acceptance as instructed on the form and returned on XX/XX/XXXX. I contacted Wells Fargo on XX/XX/XXXX and was advised they received my all documentation and were processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and was advised they are still processing. I called on XX/XX/XXXX spoke with XXXX and advised " Wells Fargo was experiencing system issues since Saturday, she was unable to access my account, she will take my information and call me back when the system was back up '' I called again on XX/XX/XXXX spoke with XXXX, I was advised still under review, Research Team is not taking calls at this time, she will mark this as " high priority '' and have someone contact me within 72 hours. I called on XX/XX/XXXX spoke with XXXX who states still processing, she will request it be " escalated and have someone get back to me, she could not/would not transfer me to someone who could actually assist me. I am EXTRMELY disappointed and appalled in Wells Fargo handling of this very simple straightforward request.

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 2016-10-26
Company: National Credit Systems,Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I Reviewed My Credit Report After Receiving A Denial Letter From XXXX Bank. I Did Not Apply For Any Credit From XXXX Bank. Attached Is The Letter, And A Copy Of My Credit 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 explanation
Consumer complaint received 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX  had reported incorrect information. XXXX XXXX says that they correct the information with the credit reporting agencies, but my credit report still shows negative information about my XXXX XXXX  credit card.

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 2022-04-16
Company: MONEY SOURCE, INC., THE
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been dealing with so much from The Money Source their customer service has been extremely difficult for me they have dropped the ball on my loan and compromised my loan Most every time I call they dont know what I am speaking of concerning my mortgage and that I need to fill out a loan modification and my loan is in foreclosure simply because they did not record any procedures that went on during Covid forbearance. Even before Covid they have been unreliable customer service not keeping track of any of the calls I made. Every time I called talking to a different person I dont even think the same people work there week to week. I regret the day my loan got sold to them from one of the best companies I ever had by default In XX/XX/XXXX I called to reinstate my forbearance and they said I did not call in XX/XX/XXXX to do that in the first place and that my loan was in foreclosure and then I had to fill out a loan modification I was not prepared to do that at all and then when that went through they said my dates that I sat down and sign with the notary did not match so then I had to fill out another packet and then within two weeks they had expected me to make a payment when all I wanted was longer forbearance I am still having a hard time finding a job and I have decided to open my own small studio in some suites to make more money and be in charge of my own money I do not want to lose my home I do not want to lose my car Im behind on my homeowners association payments and they have a lien on my property I have been through XXXX since Covid XX/XX/XXXX I lost my job of 13 years and I can not get a refinance because of my credit it has really been a disaster I just want to start my own business and make my own money. If I could access money I could do that. Every company I have worked for has stolen tremendous amounts of money from me therefore I do want to work for myself now. I have been let go because of lack of professionalism on the part of the business and I cant even collect unemployment. I have a equity in my home I do not want to lose my investment it is all I have. I have worked hard all my life to get where I have gotten and I dont want to lose everything and every day I am in a panic that I am going to get everything taken away from me. My mortgage company has not helped with that as now they are sending me default letters after only a month. I called and told them what was going on and they told me to fill out yet another loss mitigation packet I can not take it much longer. I do have an application in with XXXX I do not know know how long that will take. But I just need some time this has not gone away. Covid is still affecting my life very much it just snowballs. Just because it goes away in the world doesnt mean the bills got caught up they just snowballed. I am very behind on everything and I am about to lose my car as well I do not know what to do please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I believe I am the victim of identity theft and was trying to improve my credit score. Everytime I try and view my score though annualcreditscore.com it tells me that my data is unavailable or something crazy even though I know I am giving the right social security number. Its also preventing me from getting a past 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 non-monetary relief
Consumer complaint received 2021-09-29
Company: Lending Club Corp
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I reviewed a copy of my credit report and notice this company reporting I owe monies to them. I reached out to them to send me the validation that this is indeed mine and I can move forward to taking care of this issue. I have yet to get any response with the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have received calls over the last several days from various numbers, but the call is conducted in the same manner. They ask for me, I ask who is calling, they only give their first name - will not say where they are from or what it is about. They continue to ask for personal information. Since I am not familiar with this person, I simply say they have the wrong number and to stop calling. I do not know what this is about, but it is beginning to become bothersome and concerning. The other numbers involved are : XXXX ; XXXX ; XXXX ; XXXX. Again, I believe it is the same organization just using different numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: General Motors Financial Company, Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: High Point Asset Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I have received numerous calls to my family members giving out my debt information and saying I 've committed a crime and I will be arrested at my job if they do not provide information. They have called me in the past and I have request several times for them to send me this information that I supposedly owe a debt. And advised that they can not provide to me that information in writing, I have it from when I originally opened the debt. They threaten to come to my work, home etc and arrest me if I do not pay an outrageous amount and if I do not comply they will press criminal charges against me. They will not provide me their information and when I keep pressing the issue, they get very vocal and use profanity and I end up hanging up on them. I advised them that I am on the DO NOT CALL list, but they proceed to keep calling my number and my family members. This has to stop and they need to be accountable for their tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I LEASED THIS CAR XXXX AT XXXX INFINITI. AT THE DATE OF LEASE AGREEMENT XXXX, THE TOTAL MARKET VALUE OF THE CAR WAS {$30000.00}. AT THE END OF THE LEASE AGREEMENT, THE REMAINING BALANCE/ RESIDUAL PAYOFF WAS {$24000.00} TO PURCHASE THE CAR. I HADNT DECIDED IF I WAS GOING TO PURCHASE THE CAR OR GET A NEW LEASE SO I EXTENDED MY LEASE. THIS EXTENSION WAS VERBAL AND PER INFINITI FINANCIAL SERVICES ( IFS ), I NEEED TO PAY THE MONTHLY NOTE AND IT WOULD BE APPLIED SO ONCE I PAID THE REMAINING BALANCE, THE TITLE/PINK SLIP WOULD BE SENT TO ME. I DID N'T HEAR ANYTHING FURTHER FROM IFS REGARDING THE LEASE. NOW IN XX/XX/XXXX, I CALL TO INQUIRE ABOUT THE STATUS AND THE NEXT STEP AS I HAVE FULFILLED THE PAYOFF BALANCE. I WAS TOLD THAT I STILL HAD A BALANCE. AFTER SPEAKING WITH XXXX XXXX XXXX XXXX FINANCE MANAGER, HE STATED THAT HE 'D HAD N'T SEEN ANYTHING LIKE THIS AND THAT I HAD XXXX EQUITY PAYMENTS MEANING THAT I HAD FULFILLED MY LEASE AGREEMENT. HE THEN REFERRED ME TO XXXX ( IFS CORPORATE ) FINANCE MANAGER. XXXX COULD NOT EXPLAIN HOW MY PAYMENTS WERE BEING CONVERTED TO THE VALUE OF THE CAR, NOR HOW IT 'S LEGAL TO CONTINUE TO CHARGE/COLLECT FOR AN EXPIRED LEASE ( THAT IS PAID OFF ). TODAY, XXXX, IFS IS STATING THAT MY BALANCE IS STILL {$6700.00} ALTHOUGH I 'VE MADE XXXX PAYMENTS TOTALING {$37000.00}. WHICH MEANS I WOULD HAVE PAID {$44000.00} FOR A CAR THAT WAS {$30000.00}. THEY WILL NOT REFUND ME THE OVERAGE I 'VE PAID ACCORDING TO THE LEASE AGREEMENT, NOR WILL THEY CONSIDER TO CAR PAID AND TRANSFER THE TITLE TO ME. YET THEY ARE PENTALIZING ME ( XXXX EXACT WORDS ) FOR MY MISTAKE OF NOT COMPLETING AN AFTER LEASE PURCHASE AGREEMENT. I EXPLAINED TO XXXX THAT HE CAN NOT CONVERT/CAPATILIZE ON AN EXPIRED LEASE AGREEMENT/DEPRECIATION. HE STATED " THAT HE UNDERSTAND WHERE THIS SOUNDS ILLEGAL BUT IT 'S MY FAULT ''. I THINK THIS SHOULD BE INVESTIGATED BY SOMEONE LARGER THAN ME. THIS CORPORATION HAS TAKEN ADVANTAGE OF MY TRUST IN THEM BASED ON THE TERMS OF THE LEASE AGREEMENT AND OTHER VERBAL COMMUNICATION. THE ARE UNWILLING TO END THE BILLING AND CONSIDER THE BALANCE PAID, ALTHOUGH THERE IS PROOF OF MY PAYMENTS. THEY WILL NOT TRANSFER THE TITLE OF THE CAR. AND THE BALANCE CONTINUES TO INCREASE. I HAVE PAID WELL OVER THE BALANCE OF THIS CAR AND THEY ARE USING THEIR SIZE TO BULLY ME. THIS IS UNJUST AND UNFAIR. THEY ARE " PENTALIZING '' / TAKING ADVANTAGE OF ME AS THEY CONTINUE TO COLLECT ON THE PAID, EXPIRED LEASE YET THEY REFUSE TO HONOR THE LEASE AS THE ONLY CONTRACT THAT EXIST.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Numerous calls from various area codes threatening to place negative marks against my credit, even though they are fully aware that the balance is incorrect and I never had an account with them.Just different rude disrespectful operators continuously calling without being complainant to my wish to no longer be contacted resulting in changing a number I had over 5 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
I 've been trying to resolve the multiple negative accounts on my credit report. The Credit Bureau Transunion is neglecting to verify the accounts properly and i feel that my FCRA rights have been violated because I was denied copies of documents that were supposedly used to validate the accounts that were disputed on my credit report. 
On XX/XX/XXXX I sent in a letter asking for them to provide me with an original documentation and who and how was this information verified. 
on XX/XX/XXXX I sent a second request asking them to re-investigate the disputed items on my report and to provide me with original documentation, who and how was this information verified. 
on XX/XX/XXXX I sent a third request asking for them to again re-investigate the disputed items on my report. In the letter i again asked for them to provide me with the original documentation, who and how was this information verified. 

Attached will be the fist, second and third letter that i sent to transunion. I also will attached the receipt from the postal service as well for the first letter.

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