BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-18
Company: Crow Creek Sioux Tribe
State: MA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I am trying to pay off my loan with River Valley Loans and when I contact the customer service representative, they hang up on me. This happened after all three attempts .There is no online option for paying off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I requested that an account be removed as it is not accurate. I also would like to know their source as if they don't have a relationship with any court system. So I would like to know the validity of said debt as i have proof of a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 account I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the listed account. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: DISCOVER BANK
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 status incorrect

Complaint:
This was paid on XX/XX/11 and XXXX has failed to correctly update the status on my credit report, as you can see both XXXX and XXXX have updated their statuses. I contacts Discover and they said it was send to all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with a trade-in

Complaint:
On XX/XX/XXXX I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX located in XXXX, MD XXXX, the vehicle was financed through Prestige Financial Services located in XXXX XXXX XXXX UT. The dealership took my XXXX XXXX XXXX as a trade in and gave me {$6000.00} minus {$2200.00} ( {$3700.00} remaining ) which was paid to the lien holder of the XXXX XXXX and the rest was applied towards the downpayment for the above mentioned vehicle and also asked for an additional {$1800.00} in cash which was paid and applied to the downpayment. {$5500.00} was applied as my downpayment. On XX/XX/XXXX I sent XXXX XXXX a Right of Rescission Affidavit made in Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions. I also notified them that I participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me which put XXXX XXXX in direct violation of the law. XXXX XXXX also accepted a CASH downpayment of {$1800.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Deutsche Bank
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My parents were sending money XXXX from XXXX to the US on the XXXXXXXX XXXX XXXX from the Deutsche Bank to XXXXXXXX XXXX. On the XXXXXXXX XXXX XXXXXXXX he was told his transfer needs more information : what it was for and his passport ID. Which he both supplied. I was calling XXXX and the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX neither of them saw any money on my end. My father was told to wait until the XX/XX/XXXX and his bank ( Deutsche Bank ) would start a trace for the money and charged him already XXXX for it. He went back yesterday XX/XX/XXXX and still nobody knows where the money is. 
I sincerely hope you can help figure this out. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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:
I did not consent, authorize nor benefit from any of the following inquiries. Please Block and remove the followings inquiries from each bureau : 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 XXXXXX/XX/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 2015-03-31
Company: SLM CORPORATION
State: MO
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 had XXXX private student loans with Sallie Mae while I was in school. I refinanced these loans in XX/XX/XXXX with XXXX, XXXX XXXX sent Sallie Mae payments on XX/XX/XXXX and sent me a receipt for payment. Sallie Mae had n't processed the payment on XX/XX/XXXX and wanted me to pay them for a loan that was already paid off. I called and they told me I would have to pay a {$50.00} fee to be put in forbearance so they could research the issue, the issue was their fault from their company splitting in fall XX/XX/XXXX and they should have it resolved in a week or XXXX. I paid the fee and waited and then I received a bill in XXXX telling me I still had a payment due. I called and they had no record of my dispute from XXXX, and told me the only way they would research their mistake is if I electronically sent them proof of payment from XXXX or if I conferenced called them with a XXXX representative. Also, XXXX had overpaid in XXXX so Sallie Mae was actually holding over {$350.00} of my money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX has been ruining my credit. Along with several others. I have disputed the information with XXXX and Transunion and everything comes back verified even though its not. I didnt open up the accounts so Im trying to get these things off. I have submitted my dispute along with my updated FTC report and XXXX never investigated anything everything is coming back verified the next day. Also XXXX XXXX is reporting false information on my credit report as well. They are listing my loan as a repossession when it was not. My engine completely failed the car was still under factory warranty and the manufacture paid off the loan to XXXX XXXX. My car is also involved in a class action lawsuit and I showed proof of this to XXXX and Transunion but they have never corrected this information and they continue to allow these companies to report false information. I am attaching proof of my identity as well since XXXX said they couldnt process my dispute because I didnt give my id even though I did. Im also going to upload all of my FTC reports as well to show how long Ive been fighting to get my credit report 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 non-monetary relief
Consumer complaint received 2017-06-06
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have experienced issues with our mortgage servicing company, Nationstar. Our mortgage was transferred from another mortgage servicing company to Nationstar in XX/XX/XXXX Prior to the transfer, the other mortgage servicing company had overcharged us in XX/XX/XXXXbecause they had not accounted for a makeup payment we had made to our escrow. I had talked with the other mortgage servicing company in early XXXX about applying the overpayment amount to our principle. They did not do this before our mortgage was transferred to Nationstar. In XXXX, I notified Nationstar of this error and they made the change and reapplied all the payments that occurred in the interim. The very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. I did n't catch this until I noticed my Tax form showed a lower than expected interest paid in XXXX. InXX/XX/XXXX, I contacted Nationstar about this erroneous principle only payment and again Nationstar had to reapply all of my monthly payments dating back to XX/XX/XXXX Again (! ) the very next automatic monthly payment that was made to Nationstar was erroneously applied to principle only. It is now XXXX, and seeing that my Escrow balance is now short and I am being asked to make a makeup payment, I have contacted Nationstar and pointed out this issue again. I have talked with a call center supervisor and strongly suggested they elevate this issue as it appears to be a bug in their system that is causing mortgage payments to be misapplied after a correction is made. I hope they do so. My concern about this issue is that if I were not diligent in keeping track of how Nationstar is servicing my mortgage loan, the loan holder could have come after me for skipping an interest payment on my mortgage because of Nationstar 's error. I worry that others may have fallen victim to this error. I also worry that without accountability, Nationstar will not fix this issue and even more mortgage payers will have to deal with the problems this error creates.
It boggles me that Nationstar 's sole responsibility is to make sure my monthly payments are applied to my mortgage properly and they ca n't get it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I experienced a hardship during Covid/laid off and called XXXX XXXX to create an accommodation. As agreed, the account was paid, and the credit card company ensured there would be no late payments updated on my account as long as I adhered to the accommodation agreement. The account was paid as agreed on XX/XX/2023. I recently pulled a copy of my credit profile and realized there has been a series of late payments updated on my credit profile. I have contacted the CRA ( XXXX, XXXX, and Transunion ) requesting the information be updated as I have included all documentation. There has been no response or any due diligence to investigating this information on my behalf. These late payments are in violation of 15 USC 1666B with a billing error. Furnishing this information to my account is also in violation of 15 USC 1681. There should be no late payments listed on my account, this is not affecting my ability to obtain credit for my new home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

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 2023-10-07
Company: EQUIFAX, INC.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  under Account # XXXX This account is being illegally reported on my credit report due to inaccuracy. I requested method of verification on this account. How is this accurate if the term duration being reported inaccurate, date opened is inaccurate, high credit amount is inaccurate, credit limit is inaccurate, last reported date is inaccurate, & the date last active & last payment date is inaccurate, and most important my birthdate is wrong on my consumer report. Therefore, I am now formally requesting method of verification according to the Metro 2 Compliance standards. Any automated response, or XXXX verification is unacceptable. This listed item is entirely inaccurate and incomplete and must be deleted. Furthermore, if at any time during your investigation the above account is verified by XXXX. I requested method of verification pursuant to the FCRA, including the name of the person with whom you spoke, who has firsthand knowledge of the account in question. This account needs to be removed from all 3 consumer reports due to inaccuracy and incomplete information. This account does not comply with Metro 2 compliance and legally can not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
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:
Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10
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: Information belongs to someone else

Complaint:
Credit bureau took more than 30 days to respond to my dispute letter. I am a victim of identity theft and I did not authorize XXXX XXXX XXXX and XXXX XXXX XXXX accounts to be opened in my name. The Credit bureau failed to provide 100 % factual proof of both alleged accounts.

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 2023-03-28
Company: W&A Intermediate Co., LLC
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 pulled my credit report, and I noticed some discrepancies on my report that wasn't mine, or I had any knowledge of, and I did not consent to from a collection agency called Wakefield & Associates claiming that I owed them debt that I have no knowledge of. I did not give my signature consent. The date of this accounts is XX/XX/XXXX, in the amount of 2 payments, {$360.00} and {$330.00}, that I have no knowledge of. I am a victim of fraud and I feel that I am being violated under the Fair Credit Act. I reached out to the credit bureau 's to get this removed. They have sent me no verification of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Compliant filed against : Nationstar Mortgage LLC  XXXX  address :  XXXX   XXXX   XXXX   XXXX ,  XXXX  TX  XXXX  I 'm a debt holder of mortgage with  Nationstar. Nationstar changed my address of correspondence without consent, mailed notices to wrong a ddress & irrevocably added forced escrow onto the property for the life of the loan without consent in  XXXX    XXXX  .     Upon bringing this up to customer service on more than  XXXX  instances over last 3 months,   Nationstar fail to follow-thru despite repeated calls/requests. I 've sent all proof and related items as requested but there has not been a follow-up from Nationstar.
Financial loss : Nationstar forcefully e  scrowed my mortgage which triggered me to buy an expensive insurance. This has caused grave financial hardship to me, not to mention hours of time away from work in dealing with customer service on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting 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 repeatedly sent Transunion proof that these accounts are fraudulent and should not be reported on my consumer report. Transunion has continued to violate my consumer rights. I have sent in the proper documentation required that was asked and Transunion has failed to delete the accounts. Transunion is willfully failing to comply with federal law. These accounts have been deleted from my other consumer reports such as XXXX and XXXX. I will include proof below. According to the FCRA, Transunion is required to delete them as well. I have sent an FTC Identity theft report to Transunion proving the accounts are fraudulent which was also asked for. According to the FCRA, Transunion is required to delete those items while an investigation goes forth. Transunion has not done this. This has caused emotional distress and damage and also has caused damage to my reputation. I am asking Transunion to provide a copy of my consumer report showing the items deleted during the 30 day investigation and also proving they are complying with the FCRA. I am also asking Transunion to provide the name and direct contact information of the persons they will interview to verify the information the information on my consumer report they have refused to delete.

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 2023-02-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Equifax to remove a dispute and was told it could not be done after initially being told that it could be removed. I got several different answers and finally spoke to a manager who said it was a process and could not be removed despite the owner of the credit which is me that I could not get it removed. This is ridiculously. I hate Equifax. Plus they have untrained staff overseas that know nothing. I got a different reply each rep I talked to. Get rid of Equifax. We dont need 3 different bureaus to many causes for errors

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i lost my wallet cantaining my social sercuity card and my ID and i was a vitcim of idenity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America prepaid card services unauthorized use of card disputed it with claims department with the prepaid side of Bank of America submitted police reports everything that was requested of me by claims department and yet still have not received insurance money for the unauthorized year so XXXX fraudulent use on my account it was proven by law enforcement and still did not receive my credits back to 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 monetary relief
Consumer complaint received 2022-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
capitol one is refusing to remove a balance on accountant that i do not own and was previously a authorized user. 

in accordance with the fair credit act XXXX  card that ends in XXXX has violated my rights. 

15 usc 1681 section 602 A. states i have a right to privacy.

15 usc 1681 section 604 2 : it also states that any Fianacial institutes can not furnish my information to 3rd part companies without my written instructions. 

after further conversation with my wife the original acc holder stated that she was never given the option to opt out just to opt in. 
capitol clearly stated even though it's not my accountant that the balnce will remain on my consumer profile. leaving the false pretense that im in debt and wich will stop me from. getting lines of credit or loans in the future. captitol one also told me to dispute with the credit beurres Wich i Cleary stated that i have. but the credit bureaus refuse to remove..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: Omega RMS, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have disputed Omega RMS countless amount of times since 2020. I have requested all communication be dont through mail and proof of the original contract, original creditors info, wet signature payment history and proof of ownership send to me showing I authorize this with my signature or pay me {$1000.00} per violation. They have not provided any of this information and continue to call and threat me about making a payment to them.

Company response to consumer: Closed with explanation