BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-16
Company: EQUIFAX, INC.
State: SC
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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon EQUIFAX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681. I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly deleted and blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I contacted credit acceptance in XX/XX/XXXX about my payments. They informed me they would not repo my car. I. XX/XX/XXXX i requested for the car to be picked up due to me not being able to make the payments and i was told that i was stuck with the car because if they picked it up they wouldnt get alot if they auctioned it so it wasnt worth them getting it but they refuse to send me a title so i can do soemthing with the vehicle.

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 2022-03-26
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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2016-07-03
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
As of XXXX XXXX, 2016 XXXX XXXX sold the servicing rights to my mortgage to a company called XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Co. 
XXXX. I have made numerous phone calls requesting monthly mortgage statement and as of today XXXX XXXX, 2016 I have not received statements for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX payments already paid. This is not acceptable. I want monthly statements reflecting all required infomation ie, balance, date payment received, allocation to interest/principle, escrow balance etc. 
The last phone call I made to the company a customer service person said they are having trouble with a new " Vendor ''. I still have no statements. 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 2016-07-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2022-12-15
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am intrested in disputing all incorrect information from my credit report with Equifax. alot of unauthorized information is hindering my credit report. please update all the information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I recently froze my XXXX report, and have received verification that my report has an activity freeze on it. I contacted XXXX & Experian credit reporting agencies on XXXX different occasions, and asked them to verify a public record of bankruptcy on my credit report. They sent a reply stating that it was verified through XXXX, which is untruthful.

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 2022-03-26
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed 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 2022-08-16
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's regarding student loan with Firstmark Services. They have negatively reported to credit bureau due to late payment but the notification for credit report policy was not delivered properly. Also, it has misled the clients to make a payment until the end of the month. For example, my monthly payment was paid on XX/XX/30 before end of the month, but Firstmark Services has reported before end of the month even though we are not aware exact deadline time that we must pay in order to avoid any issue with my credit history. As a result, it has affected personal credit report very bad even though it has been paid properly. Firstmark Services ' goal is not making clients credit score lower, but they are doing the payment process for clients correctly. Even though we have spoken to customer service supervisor XXXX, she did not care anything about personal credit score which could huge impact on our family in this tough financial difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021, I called the company 's Mortgage line to make a payment on my existing mortgage for XXXX in the amount due for that month, including a fee. After making a payment through the automated system. 

On XX/XX/2021. I received an alert from my credit monitoring service, XXXX, showing a late payment alert from this lender. As it was after XXXX pm on a Friday, I could not call into the mortgage department and speak to a representative in this department to attempt to rectify this issue. At that time, this institution also had no support in the mortgage department during the weekend. On Monday, XX/XX/XXXX, I called to make the error known and note I previously called into the automated system to make XXXX 's mortgage payment. The mortgage representative stated that they did not receive the payment through the automated system. I let them know that this may be a system error but made a payment that morning to satisfy the error.

The automated phone system is the method that I have used to make payments over the last three years, almost 85 % of the time, to make my payments on this loan. Although this system has been reliable, I have had a prior incident with the automated system not applying a payment which was later corrected.

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 2020-03-18
Company: Debt Recovery Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DEBT RECOVERY SOLUTION/ XXXX XXXX LOANS REPORTING A NEGATIVE ENTREE ON MY CREDIT file. I NEVER HAD AN ACCOUNT WITH THIS COMPANY OR HAVE I EVER APPLIED FOR A LOAN WITH THEM. I have been a victim of identity theft in the past, and many accounts were established without my consent. I have filed a police report in the past about the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputing the fact that Experian investigated properly, they claim they verified the reports, well great, I sent a demand letter wanting the proof of all verification supported with proof of documentation sporting my signature on each verified account. XXXX is a medical collection, they at no time ever got my consent in writing to share or obtain my medical records. accounts were not marked disputed, and Experian actually sent me a letter stating they had no intention of re-investigating my dispute, they also failed to remove old addresses in accordance to my written letter to 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 non-monetary relief
Consumer complaint received 2022-08-16
Company: Atlanticus Services Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I have called this company several times to inform them, i am not getting the code sent to my email so i can register my account and make payments online. They did not understand one word I was saying, i have asked for mangers as well. IN my opinion they play games and act like they don't understand English to XXXX us over on these credit cards. No where in the terms did it say they could not text me the code to my phone the code so i could register, Nor in their terms did they mention they do not understand English, if they mentioned the above I highly doubt anyone would open with them. This company is SCAM, and not sure why no-one has investigated them instead allow American 's and whomever else to get conned. They refuse to send me a statement as well. I now have to mail payments which is causing me to be late and i keep getting fees which is not fair. I am done with these people, I am totally willing to pay what is owed not any fees cause its their fault, but not to them. This is straight XXXX that my credit is screwed up because they cant do their part, I have reached to XXXX  as well and guess what Fortiva did not respond to them. When we call the numbers they calls us from they ring busy. I want to be done with them but they call me 15 times a day wanting money. How do I get rid of them and it not effect my credit? i sent them 12 emails for help. I hate this Company and they should be registered as FRAUD.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2017     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , IL  XXXX  Transunion Re : Request to Remove Unauthorized Credit Inquiry Dear Transunion, I recently received a copy of my Transunion credit report and I notice there is an unauthorized credit inquiries made by    XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  I do not recall authorizing this credit inquiry and I understand you should n't be allowed to put an inquiry on my file unless I have authorized it. I am requesting you initiate an investigation into ( insert name of credit or ) inquiry to determine who requested this credit inquiry.    If you find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.   If you find that I am in error, then please send me proof of this.   Thank you in advance,  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 2022-03-26
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I was given a Vanilla Gift Card worth {$500.00} as a gift from my employer in XXXX XXXX. I tried to use the card for the first time on Friday, XX/XX/XXXX. My transaction, which was less than {$500.00}, could not be processed, which made no sense to me. I logged into the Vanilla site using my card number and saw that XXXX fraudulent charges had been made on XX/XX/XXXX totaling {$290.00}. I called Vanilla to report the fraud. The representative advised that the card had been used in CA and XXXX of the charges was at a XXXX. The representative canceled the card - including any access to the {$200.00} remaining. I was emailed two pages to fill out with details and information, which I did. I returned this information to the dispute department and received from them a confirmation email on XX/XX/XXXX. That confirmation email ( pasted below ) indicated that I could expect resolution on this matter in 90 days or less. XX/XX/XXXX marked 90 days, and I have yet to receive any update or resolution. I have emailed the dispute department XXXX times, with not a single reply. I called customer service today, XX/XX/XXXX and was informed that no notes have been made on my file. It seems as though I have been defrauded not only via the initial theft of funds on XX/XX/XXXX, but also by Vanilla Gift Cards, who took the balance of my funds. They not only have done nothing about the stolen amount, but seemingly are content to hold onto the funds that the thieves didn't steal. This all feels like a giant scam. They have my name, address and phone number and I don't have a single name of a person there. My dispute case number with them is XXXX. 

Email from XX/XX/XXXX Greetings, Your dispute packet has been received and forwarded to the Dispute Department for review and investigation. Please be advised that disputes are worked in the order they are received. You should expect complete resolution within 90 days from received date, however, most are resolved before then. If additional information is needed, you will be contacted via email. 

Please include your case number on any communication regarding this dispute. 

Thank you This mailbox is not monitored, any correspondence should be send to XXXX. 

DISPUTE RESOLUTION TEAM XXXX XXXX XXXX XXXX GA XXXX PAYMENTS | TECHNOLOGY | INNOVATION

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
This credit reporting bureau is reporting incorrect information under a XXXX credit card that was closed many years ago. There is a very old credit card still displayed on my credit file which is showing XXXX XXXX day late payments. XXXX late is displayed in XX/XX/XXXX and the other is displayed in XX/XX/XXXX I wrote a letter asking Experian to completely delete this account and I have not received a response and this account continues to display incorrect information that can not even be verified. I called XX/XX/XXXX and was informed by them that these late were not verifiable and no longer on record an that the bureaus will remove the account completely. But they have yet to do this. I am suffering financially because of these false reporting and this falsely delinquent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-18
Company: AES/PHEAA
State: LA
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 have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries presents in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from AFFIDAVIT** )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06, and I have those records. Shortly after I cancelled the loan, as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable, but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service, but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years, I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back, and was told to the contrary. Please advise. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
MIDLAND FUNDING has refused to validate a debt. They are now reporting it on my credit report, duplicated the account so it looks twice as bad, re-aged the account to intentionally damage my credit, and will not prove they own the debt. About 3 days ago a letter came to an former address. That was their first contact and they have been already been reporting this for almost a year without my knowledge. When the letter came to my attention I called and asked them to validate the contract assignment. They hung up. They have not validated this debt and yet are reporting it, duplicating it, and re-aging it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I recently changed banks, I had submitted my monthly payment to my capital  one  card and the payment was returned since my bank account closing went through right away. No one notified me on the payment returned. So, thinking that my account was in good standing I found out I had an illness and have n't been in my right sense. Was logging into my account today to pay my bill and it said it was closed. I call customer service and the lady was so rude, she belittled me. I told her about my illness and how I made my payment but because of my memory did n't submit my bank change and she said it was n't her problem and I can apply for a new card in the future and hung up! So now my account is closed when I have never been late for my payments!!!

Company response to consumer: Closed with explanation