BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-15
Company: AXOS FINANCIAL, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have provied them 5 times the proof of insurance but still bank when a hed and they fet there insurance and bill me for the paymaent i did paid 2 payment but still bamk has reported in my credit report as a Delinquent account.

Can you please HELP me with probalm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: Gitsit Solutions, LLC.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
Regarding : Case # XXXX Case # XXXX Cause No. XXXX In final response to Kondaur limited reply. Kondaur evicted me after they sneakily, undercover-ly knowingly and deliberately stole my house. Kondaur did not care about me as a consumer. They pretended that they were going to help ; however, their intentions were to purchase the loan from XXXX and sell the house out right! I qualified for the loan modification which they have established but refuse to comply. KCC did not reach out to me before the said " foreclosure '' on XXXX/XXXX/2015. In which I was told, by the auctioneer at the time of the sale at XXXX XXXX that no " foreclosure '' would be done. How can you foreclose on a house that has not been mandated to back to XXXX XXXX County- while it is in federal court? They pretended by using a CS Rep/ Relator XXXX XXXX to fill my head with the hopes that they would like to help after stealing my home, in which we paid XXXX down on. There is still unaccountable accounting information. 
In regards to the bankruptcy case, it was dismissed ( a mutual agreement ) " without prejudice '', said the honorable judge on file. According to the judge on file in XXXX XXXX county, the case has not been mandated back to XXXX XXXX County as of XXXX XXXX, 2015, the judge did not have the liberty to move further. We have not had our date in court, unfortunately Kondaur refuses to comply in all areas and they have not given valid reason to their unlawful actions. 
Sincerely, XXXX ' XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
NISSAN MOTOR ACCEPTANC creditor delinquent my account for not paying 2 Months. I set up a Auto Debit from my bank account and they had trouble in getting money from my account. They did not inform me via Email or Portal Mail about the late payment. When I checked my credit report I realized this and contacted them and paid the XXXX. They promised to remove the delinquent on my account in 7 days and this conversation happened in XXXX XXXX. Till now they did not do anything related to my delinquent and also the customer support people was very rude to me. Because of this delinquent my credit fell XXXX points. 

Also I spoke to them on XXXX XXXX and paid off the bill on the same day and again on XXXX XXXX they sent another delinquent notice to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: General Motors Financial Company, Inc.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I never had an account with General Motors. I sent a direct dispute asking them to provide me with documentation that I had an account with them, but they failed to provide me with any paperwork. They just sent a one-page letter stating that my account is reporting correctly to the XXXX, XXXX, XXXX agencies. I know it 's not reporting correctly because I never had an account with them.

Company response to consumer: Closed
Consumer complaint received 2018-04-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Convergant is collecting on bad debt that was purchased from XXXX. FCC ordered XXXX to be removed from credit bureaus from excessive fees that was fraudulent charged.

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 2018-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Awhile back I kept getting my phone plan ran up past my limit by this company trying to collect a 12 year old cc debit. I called them and told them I would not verify my address not to call anymore. I told them that the bill has been wrote off and that by law they can no longer bother me about it. He hung up on me, then they persisted again calling from all kinds of XXXX numbers threatening to sue me and so forth. I had my phone changed and then they began calling my mothers number who is also on the do not call list. My mother is XXXX I did my part by calling them but they hung up on me so I am done with it. 

I had to change my cell number now they are calling the new number. I want this stopped I have registered every phone possible. The number they want me to call is XXXX I would give you all of their numbers but they are all XXXX XXXX XXXX message only numbers. They do this so you have to call them. I did now i am done and want them to stop. I believe it is capital one DO NOT GIVE THESE PEOPLE MY ADDRESS THATS WHAT THEY ARE DIGGING FOR. AFTER TRYING TO SPEAK TO THEM AND BEING HUNG UP ON THEY CAN FORGET ANY MORE CORRESPONDENCE FROM ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: ERC
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Debt collector from XXXX called me at XXXX XXXX in my time zone ( mountain time ). No msg was left.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: PENTAGON FEDERAL CREDIT UNION
State: TX
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:
On XX/XX/2020 I reported 3 unauthorized inquiries to XXXX  and creditors. 
After more than 30 days of the complaint, neither the creditors nor the CRA have removed these unauthorized inquiries, nor validated them. 

Per FCRA the CRA and the creditors have 30 days to verify or remove the unauthorized inquiries and both XXXX  and the creditors have failed to comply with the FCRA. 

Therefore I demand immediate removal and compensation of {$1000.00} per violation, due to failed validation and removal according to FCRA timeline.

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
DEPT OF ED AND XXXX BOTH HAVE THIS LOAN AND THAT'S FRADULANT. THIS LOAN WAS FORGIVEN BECAUSE OF THE SCHOOL THAT I ATTENED ( XXXX XXXX ) HAS BEEN CLOSED. XXXX HAS REFUSED TO SEND ME MY DOCUMENTS WITH MY WET INK SIGNATURE ON THEM. 

RESCISSION OF CONTRACT " RESCISSION OF CONTRACT. REFUSED FOR CAUSE WITHOUT DISHONOR. I HEREBY RESCIND MY SIGNATURE AND DO NOT CONSENT TO THIS CONTRACT WITH YOUR CORPORATE OFFICE. 
USC ART 1, SEC10, UCC 1-308. CEASE AND DESIST, ACCEPTANCE BY ACQUIESCENCE 72 HOURS

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 2022-03-18
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
On XXXX XXXX I deposited a check for $ XXXX from XXXX XXXX XXXX into my TRUIST checking account ending in XXXX. I received a receipt from TRUIST with a notice of hold as follows : {$5300.00} held with an availability of XX/XX/XXXX. I only saw two large debits that were unrecognizable to me since I had not made such transactions. I did not do a screen shot, but I called TRUIST. I was on hold for over XXXX hours and the call dropped. I called again and was on hold for over an hour and was dropped. When I checked my account again later that day the transactions were gone. I still had not received the release of XXXX I tried to contact TRUIST for two more days and the long holds and being dropped continued. On, or about XXXX XXXX I notice an increase in my account but no indication was in the ledger showing the amount electronically deposited. 

I visited a local TRUIST branch on XXXX or XXXX XXXX and discovered that {$5500.00} had been deposited and could only be seen by the bank. It still had not registered in my online account ledger. We realized that it was {$220.00} short of the full {$5300.00} held amount. I was informed that it must have been deposited on XXXX XXXX. But we could not find it in the system or on my online account. I can not account for {$220.00} added into my account. 

The receipt also stated that on XX/XX/XXXX, I would receive from hold {$8400.00} which would be the remaining amount held from the $ XXXX. on XXXX XX/XX/XXXX I only received {$8000.00} and when I called TRUIST the technician could not assist me because she could not find in the system the whereabouts of the {$47000.00} that did not carry over from hold. 

I am still attempting to reach some one in my local branch without success. I am missing a total sum of {$700.00} that did not, and can not be found in the TRUIST system owed to me from when they held the initial $ 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 2020-12-28
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:
Hello, you wrote on my credit report ( about my credit card, XXXX  XXXX ) that on XX/XX/XXXX and XX/XX/XXXX, I didn't pay XXXX  XXXX on time. This is your mistake, and I have always paid all of my payments on time. Attached is a letter from XXXX XXXX, that you made a mistake and that I did pay on time for both of those dates. Please fix this immediately my payment history with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I called Shellpoint to follow to look at options to avoid losing my home. This was XX/XX/2020. The rep specifically told me that they would do a loan modification and to call back on XX/XX/2020 to get the new payment and terms. I did as I was told. I was passed around to several people and then told a supervisor would call me back. I never received a phone call. I followed up today ( XX/XX/2020 ) only to find out they are taking my home. I explained that I never received a call back and was told this was already approved. Now I'm told that they denied it. I have never received notification of this. I was told that I would receive a call back today ( XX/XX/2020 ) by a supervisor to work this out. I was given a direct email to XXXX XXXX to ensure I would be contacted today. So far nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
In XXXX, Credit Acceptance used XXXX XXXX to be repossessed my personal vehicle after ..... 
XXXX. Not Validating Debt pursuant 15 USC 1692G 2. Not responding to affidavits that addressed clear violations to Truth in Lending, found in documentary evidence/contract.

3.Pretending to be lawyer and debt collector via correspondence. Violating 15 USC 1692e.

4.Refusing my right to rescind this transaction, pursuant 15 USC 1635 Right of recission as to certain transaction.

5. Not disclosing to me of my right to rescind this transaction.

6. Making me pay to retrieve my personal items once my vehicle was repossessed.

7. Claiming they could reinstate the contract after I had to pay to retrieve my personnel items during repossession. The very same act CFPB found XXXX guilty of and punished for. 
8. Violated 15 USC 1666b Timing of Payments 9. Violated 15 USC 1666a Regulation of credit reports 10. Violated 15 USC 1605 Determination of a finance charge

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 monetary relief
Consumer complaint received 2022-10-10
Company: World Acceptance Corporation
State: WI
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:
World finance sold the account back in XXXX and charged it off as a lose. They stopped reporting on it and then suddenly in XXXX decided to start reporting again and raised a {$520.00} balance to over {$3000.00} when I brought this to their attention and told then they could not do this and they could not longer report to my credit as they had sold the account they ignored me and continued to report on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
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 is missing that should be on the report

Complaint:
I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. I waited too much for the response of the credit bureaus.

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 2015-11-09
Company: First National Collection Bureau, Inc.
State: NM
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This has been removed and keeps popping up with different collection agencies on my credit report. I do not owe this nor have they responded to repeated attempts to validate and prove this is mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2020-08-03
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I am trying to remove the extended Fraud Alert From TransUnion three times by sending them a letter to remove it with my ID and proof of address. They are not removing it

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 2020-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified XXXX XXXX that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that XXXX XXXX has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship XXXX XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

Today XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called XXXX XXXX and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: AES/PHEAA
State: KY
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:
AES is the worst financial institution I have ever dealt with ( and I 've XXXX ). They continually mislead consumers with their billing statements. They deliberately exclude the accrued interest on principal balances and do NOT show the proper account balance on regular billing cycles! 

This harms consumers. We can not make the best, most informed repayment decisions if the information we are receiving is partial and misleading. 

I am disgusted with this company. These interest rates are so outrageous they should be illegal. Incorrect or incomplete customer correspondence & billing should be a crime and this company should be prosecuted and heavily fined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-28
Company: Fay Servicing, LLC
State: CA
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:
My grandmother the account owner is XXXX XXXX XXXX SS # ending in XXXX passed away 4 years ago. My mother XXXX XXXX XXXX was the previous trustee of the XXXX XXXX XXXX XXXX XXXX passed away XX/XX/XXXX. I notified Fay Servicing that I was the new trustee and provided them all of the needed documents to authorize me on the account. On XX/XX/2020 I walked into a XXXX dealership with my youngest son to purchase his first car and I discovered that Fay Servicing has incorrectly reported this second mortgage to my credit saying I was 90 days delinquent. My credit was XXXX and it dropped to XXXX because of XXXX actions. I was unable to purchase a car that day. On XX/XX/2020 I contacted XXXX and spoke with my relationship manager XXXX XXXX explained to her what was happening. She confirmed that she would be escalating this complain. 

XXXX XX/XX/XXXX I have received three different notifications from my credit companies saying that because of my bad credit my credit line would be decreased. I immediately called Fay Servicing and was hung up on at least 4 times. I finally speak to XXXX ID # XXXX who claims that I applied to be a successor in interest and that is why my credit is being reported. I have never provided XXXX my Social security or agreed to assume this loan. I am only the assigned trustee administering the account. XXXX transferred my call to a voicemail and was hung up on yet again. XXXX promised to submit a claim to the credit report department but not sure if he did that or not. 

I am requesting that you correct my credit immediately before you cause anymore harm. XXXX is in violation of the fair credit act.

Company response to consumer: Closed with explanation