BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: EQUIFAX, INC.
State: MI
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:
Equifax fail to investigate my dispute that file on XX/XX/2020 and XX/XX/2020 they are in violation of the FCRA. can someone please assist me with having these items verify

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts, nor have I listed at these addresses. Please remove them.

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 2020-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute on XX/XX/20 and XX/XX/20 with Transunion according to the FCRA the have 30 days to investigate.

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 2020-05-10
Company: Nelnet, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My credit score went down between 54-64 points across all 3 credit bureaus when the U.S. Dept of Education/GL reported a remark on my account of Payment Deferred. My account was in good standing and payments made on time. Due to a change in my finances thanks to covid-19, I took advantage of being able to defer my loan payments. Per the CARES Act if I qualified for deferment AND was in good standing, my account would not be negatively impacted, and my account would continue to be reported as current and up to date. Them reporting my account as Payment Deferred dropped my score down to between 718-725. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-30
Company: Universal Account Servicing, LLC
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Universal Account Servicing , LLC has stated that i owe them an alleged debt but I have never applied for any loan with them or signed a contract with them for a loan. I have written to Universal Account Servicing , LLC asking them to provide documentation showing that I have a contract with them for a alleged debt, which they have not provided me, and for them cease and desist but they continue to ignore me. See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Citizens Loan takes my escrow money out of my account, but the check never gets to my insurance company. I pay my insurance for the 2nd time and fight with the company to be put back in my account. They took the money from my account on XX/XX/XXXX, and while they admit the check was never cashed, it is XX/XX/XXXX and it is not back in my account, and my multiple requests that they reimburse me directly, as I have paid my insurance is ignored. I have requested they delete the escrow account because they have never managed to pay on time and force me to do this every year, for taxes and insurance. I have not been successful. I would deeply appreciate your help. It doesn't seem legal that they can take my money, not provide interest on it and keep it for months and refuse to pay me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: PREFERRED CREDIT INC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS ACCOUNT IS SO OLD, ITS PREFERED CREDIT, XXXX XXXX. THIS COMPANY IS HONORABLE AT TRYING TO COLLECT, THEY HAVE SENT THIS ACCOUNT OUT TO SO MANY COMPANY 'S AND ITS BEEN PAID IN FULL SINCE XXXX/XXXX/2013 TO XXXX AND ASSOCIATES.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: FIRST ADVANTAGE CORPORATION
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is the XXXX time that this XXXX has appeared on my public record under my name. The XXXX is from XXXX XXXX County Court house in XXXX dated XXXX/XXXX/XXXX. This is not my charge but the person has the same name and date of birth. I have called the court house myself and they have verified it was not me. I also did a credit dispute on this matter and XXXX removed it from my report but other credit bureaus are still reporting this matter as me and it cause me not to get employment. This need to be fixed and inaccurate information should not be reported on people who are innocent, I did not live in XXXX in XXXX and I was in the military XXXX and a resident of XXXX with a XXXX driver license. I did not move to XXXX until XXXX and never visited this state until I moved here. Please help me get this resolved it causing me problems with getting employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
If have disputed this account on several occasions for the inaccuracies being reported on my credit report & falsified documentation in my contract agreement. 
After reviewing my updated credit report that I received from a previous dispute that was provided to me by XXXX ( Confirmation # XXXX ) Dated for XX/XX/XXXX I found the following Errors on my report & Requested Validation Document : ( Please refer to copy of credit report attached ) Date of last payment is inaccurate : ( XX/XX/XXXX ) ( I previously contacted the collector requesting a Validation of this account ; I asked that all documentation on file be mailed to my address listed above ). In the documentation it shows that the Repossession Date is XX/XX/XXXX. Therefore, the date of last payment that is being reported I was no longer in possession of the vehicle. Truthfully throughout this lease agreement I never made a single payment towards the vehicle, due to my younger adulthood irresponsibilitys. 
Repossession Law in the state of Georgia states that : Georgia Code Section 10-1-36 outlines the debtors options following car repossession. The lender must notify you of your rights to redeem the car within 10 days of repossession. I never received any notification from the finance company when or where I could reobtain my vehicle if willing. There is no document attached with the requested validation information pertaining to me retrieving the vehicle after repossession. 
In the requested Validation documents the contract states that I paid a down payment of {$2000.00} which in fact I did not. The car sales man coerced me into getting the vehicle and settled for a down payment of {$500.00}. I was advised to tell the Finance company when they called to verify my information after purchase that I would need to tell them I paid a down payment of {$2000.00}, if not the Finance company would take the car back if they found out I only paid {$500.00} down.

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 2020-05-10
Company: Experian Information Solutions Inc.
State: NY
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 have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to 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 2016-05-04
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has been telephonically contacting and mailing letters especially a letter that indicates regarding negative information on my credit report which may make it difficult for me to obtain future credit including auto loans, additional education loans, home loans and even credit cards. Apparently, I tried to refinance my condo, but Navient affected and damaged my credit rating. I am XXXX, XXXX veteran, and on a fixed income. I am a cosigner for my daughter 's college loans and she has not graduated yet. Navient is very unfair and reported me to the credit bureau. I used to have good credit ratings, but Navient damaged it only to intentionally prevent me from obtaining other loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX  and Experian have failed to investigate why XXXX XXXX is reporting late payments on this account. I was never late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, nor XX/XX/XXXX. I had auto-pay setup and was always on time.

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 2016-12-21
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My son is XXXX, in the XXXX. I still receive mail addressed to him once in awhile and have his permission to open mail and deal with any issue that might arise. I received a letter from a collection agency requesting a balance owed for automobile insurance. They also sent another clients debt and personal information in the same mailing. I tried to negotiate a settlement with them and they refuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have tried to fill out their online form with my correct name address employer etc but when they ask me questions about personal details they do n't recognize me because their info is so XXXX. They want me to pay for my credit report or subscribe to some tracking thing when it has been over a year and they should just send it to me. There is no point of phone contact with a human just a run around of phone trees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: United PanAm Financial Corp.
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:
In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( United Auto Credit ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( United Auto Credit ) fails to give you a required written notice, then I can challenge its claim  for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that United Auto Credit is unable to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had collections go on my credit report and went to court with the company. Both cases were dismissed and I got court paperwork showing that both cases were dismissed. I forwarded the court orders that dismissed the cases to the credit reporting company. They did not conduct an investigation. They simply took the other company, XXXX XXXX XXXX 's word for it. These items should no longer be on my credit report as they were dismissed by the court.

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 2015-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am XXXX XXXX XXXX XXXX a XXXX in the private sector and XXXX at the XXXX in XXXX XXXX California. I am a XXXX for the XXXX. Six years ago I asked both the Bank of America and XXXX XXXX for a loan to finance XXXX XXXX to help with the Affordable Care Act. Both banks denied the loan several times. We asked these banks because we have accounts with them and the Bank of America held the mortgage until they sold it to XXXX. In 2014 we obtained a Mortgage Modification and now have a subordinate loan to HUD for XXXX. The Bank of America broke the law by hiding our monthly payments and giving false information to the Credit Bureau. They put the lien on our property and made it impossible for us to use the equity in our home to get a loan. I need urgent help to survive this injustice initiated by the Bank of America and now continued by HUD.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: Credit Control, LLC
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 notified the collection agency about this alleged debt that I do not owe.

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 2020-05-10
Company: Alpine Credit, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 4 collections items from Alpine Credit Collection Agency on my credit report. These accounts originated at XXXX XXXX XXXX in XXXX, CO. I provided my XXXX information at the time of service. Somehow the information wasn't transferred to XXXX XXXX for my x-rays. XXXX XXXX never sent me a bill and I first received a bill from Alpine Credit. I have called Alpine Credit and disputed this account. I have also called XXXX XXXX and given my XXXX information and was told my account would be removed from collections. I called both companies in early XXXX. However, these collections accounts are still on my credit report today XXXX XXXX and has taken a significant toll on my credit report. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Albert Corporation
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I requested to get my money back from Albert App on XX/XX/XXXX and they keep telling me they can not because a bank account that is closed can not reconnect to their portal. 

I provided all documentation they asked for and they are not honoring it because they can not connect to XXXX XXXX accounts which are no longer active because all XXXX XXXX accounts changed to XXXX Bank with new accounts and routing numbers. 

They do not offer phone support or any person for me to interact with to solve this. They are currently holding {$340.00} of my money that I requested sent to me by check on XX/XX/XXXX. After spending 3 days working with them through texts and emails. 

I also attempted talking to XXXX and XXXX, both of which told me they could do nothing about it because it is not Fraud and involves internal systems for Albert. 

Albert App banks with XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
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:
Geez, do you think I'm an idiot? This is the second time that you have caused me harm. I don't know if you could care less or are incompetent... 
I asked you to deal with the problem that you are listing my husband 's mortgage somewhere around $ XXXX on a house that is worth $ XXXX. That is, the mortgage is worth around $ 25 % of the value of the house. 
In addition, as I mentioned, we own two houses free and clear that are worth over {$1.00} million with no mortgage. The addresses of my other houses that are paid in full follow : XXXX XXXX  XXXX in XXXX XXXX, XXXX, TX XXXX XXXX  XXXX, XXXX, TX XXXX I'll try to attached pdf documentations as such And keep in mind that we always pay our debts in full every month. 
Yet you all have the *. * nerve to actually think you can con me into believing you have done something when every one knows the XXXX is not the score that matters- or the banks look at. The problem is that you *. * are listing our minor mortgage as a credit card get, which is getting y credit card companies in a flurry. It is the reason that one of my credit card companies cut my credit in half because of this and there are signs more will happen. 
I know that you would never have let us know anything if it weren't for the XXXX. You are supposed to fix the problems you caused, not to create fake fixes to make me go away.

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 2020-05-10
Company: EQUIFAX, INC.
State: NY
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 have 4 collections on my account that dont belong to me. I enclosed the accounts as an attachement. I never had any of these accounts and this company says i must pay and I started to get threats. They called my family homes saying they were a private investigator. Its too much trama I lost my mother and grandmother to XXXX

Company response to consumer: Closed with explanation