BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-07
Company: Experian Information Solutions Inc.
State: PA
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I wrote to Credit Bureau requesting an investigation into item that I believed is OBSOLETE. To date, I have not received a reply from them or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that they reply within a reasonable amount of time. 
I regret that I am being forced to take such action. 

Please see my reasons for dispute below : 1. This account does not belong to me. I have no knowledge of this account. I have no knowledge of the original creditor. 
XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 

2. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX please delete 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 2023-04-28
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got a car through Westalake financial Institution back in XXXX I believe. The car broke down in XXXX, or XXXX. I was sued a few years ago by Westlake the amount was over XXXX that I owed. I hired an Attorney about 3- 4 years ago, for my case. As of XX/XX/XXXX I won my case. I have documentation as well. I am still seeing Westlake on my credit report. They also have it as a repoession. I called and got the run around. I finally spoke with someone that they reported my credit too. I am not sure of the name of the debit company, I do have a phone number to the company. He informed me that either Im going to get sued again, or they might try and sue. Even though I won my case against them. He had act as though I was in the wrong and I had no idea what I was talking about. I file a dispute with XXXX. They informed me that the amount Westlake Financial orginally put went down but, still shows as a reposession and on all 3 credit bureaus and report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: CA
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:
Back on XX/XX/XXXX I challenged a XXXX XXXX  account with XXXX, Equifax, XXXX, and with XXXX XXXX directly. This account is really old and should not be there anymore. It is months later now and I have not received any correspondence. So I decided to check my monitoring sites and the account doesn't even show that it's disputed. These companies have fully ignored my request to have this old account removed and it is simply unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Specialized Loan Servicing Holdings LLC
State: NH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Re : Specialized Loan Servicing Co., HELOC loan I am paying off a HELOC. The payoff statement that was sent to me is incorrect. The calculated interest due is incorrect. Specialized Loan Servicing is either unwilling or unable to fix the payoff  amount. I have spoken to several representatives who agree that the interest calculation is incorrect, but even after waiting two weeks, I have been unable to get them to send me a new payoff statement. 

Specifically, my Daily Per Diem Interest is 2.8892 %, times 45 days outstanding, = {$130.00} On my payoff statement, the amount is incorrectly calculated as {$180.00} NOTE : if they are incorrectly calculating my interest due they are likely incorrectly calculating other payoff statements as incorrect.

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 2024-01-19
Company: Diversified Adjustment Service, Inc.
State: KY
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: AMERICAN HONDA FINANCE CORP
State: OH
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:
End of lease with America Honda Finance in XXXX XXXX, there was a late payment from a drive thru auto-toll in Colorado during summer XXXX, {$15.00} toll turned into {$90.00}, toll was sent directly to American Honda Finance instead of my home address. I don't know if toll was paid, but I was charged a late fee, trying to work out details with AHFC, could not explain what happened, why I was not notified, who paid the State of Colorado, finally gave up trying to get information and decided to pay my end of lease payment plus toll late fee when they threatened to send me to collections, I received the collections notice on XX/XX/XXXX, paid American Honda Finance on  XX/XX/XXXX, they still hit me with a two month charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: LEXISNEXIS
State: NY
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:
XX/XX/19 : I sent requests to LexisNexis Consumer Center to advise the court name was invalid for public record and must be deleted from report. 
XX/XX/19 : LexisNexis sent letter stating the information was verified. 
XX/XX/19 : LexisNexis sent letter stating disputes had been opened with XXXX, XXXX, and/or XXXX but have received any results. 
XX/XX/19 : I sent Method of Verification Request to LexisNexis for proof including documents with my signature within 15 days or delete inaccurate data from my report. 
XX/XX/19 : Have not received response from LexisNexis for Method of Verification Request. 

It is my understand under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) it is my right to ask for proof and to have accurate information in any report. LexisNexis has not provided me proof within the  15 day requirement or deleted the inaccurate data from my report. It is also my understanding if requested the credit report agency must have all signed documents in their own possession ; independent of credit reporting bureaus as proof of accuracy of consumer information. LexisNexis is in violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: MoneyLion Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/24 I missed my loan payment. They proceeded to take the payment out of my moms bank account that was not authorized on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act XXXX XXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Transunion was notified that there were duplicate and unauthorized inquiries on my credit report over 2 months ago and have not done any investigating or correction of error. 

XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX were all unauthorized XXXXXXXX XXXX- are duplicate inquiries both dated XX/XX/2020 XXXX XXXXXXXX are also duplicate inquires As a result, I was recently denied credit due to the number of inquiries on my credit report. 

Transunion has received several documents regarding this issue and yet no resolve

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 2023-05-05
Company: ALLY FINANCIAL INC.
State: MD
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:
On or about XX/XX/, I obtained a notification from the credit bureau ( XXXX and XXXX ) that my score had decreased by over XXXX points. This came as a surprise to me because I have always been the type of person who paid ALL of their bills on time and even set up automatic payments, so that I did not forget. Apparently what happened is one of the Ally Financial Auto, who I was paying through automatic payments, took it upon themselves to cancel my automatic payments without notifying me, and then allowed my account to go into default again without providing me any notification WHATSOEVER. Then, after 30 days of the account being in default, they sent a delinquent account notice to the credit bureaus, which then dropped my credit score. I had zero opportunity to make manual payments after Ally Financial cancelled my automatic payment, and was not notified that they were doing this to my account. I have asked for an investigation of this, and even reached out to the company, and the company keeps denying that they were at fault. I would like this to be further investigated and escalated to the highest level possible. It is impossible for a consumer to know that their account has been changed if the company does not do their due diligence to inform the consumer especially if the company also has policies and terms that state they would notify consumers if there ever is a change made to their automatic payments. They also do not provide any information about the company being able to cancel automatic payments on their companies auto pay authorization form, which I have attached also. I have attached copies of their policy. This is horrible business practice, and grounds for fraud. Again, I would like this to be investigated, and will reach out to my local state representative to bring this to their attention as well.

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 2019-07-11
Company: Stearns Ventures, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Stearns Lending from XXXX XXXXXXXX, VA sent me a Notice of Servicing Transfer. In that letter it stated that payments could be made to Stearns until XX/XX/2019. On XX/XX/XXXX I made my normal payment to XXXX online. In their confirmation email, it stated that if it was submitted before 10 pm EST it would be posted that day ( my submission was at 1:27 pm EST ). After about 11 days had passed, I noticed the amount had never been deducted from my account. I replied to their payment confirmation email and received an auto-generated response with a reference/ticket number ( XXXX ). The following morning I called their customer service phone number to check on the status of the ticket. I was informed that they cancelled my online payment because they no longer service my loan. They never informed me of the payment cancellation. 

These are unacceptable business practices. First of all, if a company says they can accept payments through a certain date, they need to honor that commitment. Secondly, if they cancel a payment a customer has made, it is imperative that they let the customer know. 

Finally, my new mortgage company, XXXX XXXX   XXXX from XXXX, IL has not been much better at this point. They did not contact me at all. I had to call them to get my new loan number. 

I am afraid that the business of buying and reselling mortgages has gotten to the point that the consumer is at the bottom of any consideration or sense of responsibility, or moral obligation, by the mortgage companies. Maybe it is time for some house cleaning and harsh fines levied against companies that fail to take into consideration the rights of consumers. 

[ Note : I have not included any documents, but if needed I can supply the Notice of Servicing Transfer, the email confirmation of my payment, and the email auto-replies with the ticket/reference numbers. ]

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 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I previously submitted my identity theft report and complaint with XXXX, XXXX and TransUnion over 30 days ago. According to the Fair Credit Reporting Act, these items must be removed from my credit report. 
TransUnion Complaint ID : XXXX XXXX XXXX Complaint ID : XXXX - XXXX Experian Complaint ID : XXXX - XXXX This is very upsetting and I need this fraudulent information removed from my credit report within 4 business days. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Consumer Adjustment Company Incorporated
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi CFPB Consumer adjustment for the second time is making false and predatory practices against my credit profile for another collection for {$310.00} for XXXX XXXX this is the second time this debt collector has not followed FCRA laws they reported this account against my credit profile to the credit bureau without first contacting me first and sending me a debt validation letter I havent received nothing from them in regards to this account will be requesting they provide proof including the tracking number for the debt validation letter for proof of delivery and proof of them contacting me via phone if they say that they did, it is against the FCRA law to not contact the person first and send a debt validation first before report to the credit bureau they also reported a re aged date of this account on my credit profile which I will attach proof for verification which is also inaccurate credit reporting and against the law, if Im further accused by them for this account will be requesting they furnish full proof that I opened such account including my original wet signature signing off on taking out this debt, if you CFPB will reference complaint ID XXXX Consumer adjustment has made the same unlawful practices and inaccurate credit reporting on a previous debt accusation this debt needs to removed from my credit profile immediately for breaking the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/29 I called MOHELA to get an update for my XXXX XXXX XXXX XXXX. I was on hold for XXXX hour before my call dropped then for another XXXX hours after calling back. I was at work. Once my call was received I was told that my loan was in default because I had not made a payment this month. When I asked how that was possible because I was enrolled in autopay, the agent told me that MOHELA cancelled my automatic payments on XX/XX/XXXX. I asked how they could do that without my authorization and she had no explanation. I was told I received an email. I was not able to locate an email with a notification. I was later told that they had no record of my autopay enrollment. I have been paying through automatic withdrawal for years and have had no trouble with my payments to MOHELA until now and have never had a late payment for anything. My credit score is nearly perfect. 

Coupled with that my XXXX XXXX XXXX XXXX status has also been a debacle. My application had been approved and my first loan should have dropped off this month. It was approved after having worked as a XXXX XXXX XXXX XXXXXXXX  teacher for a little over 12 years. I recently left teaching and am now employed as a XXXX XXXX XXXX employee. I was told that the payments I have been making were not counting towards loan forgiveness because I did not verify my employment with them. They were not able to explain to me, XXXX why I would need to do that since I have already verified over 12 years of public service, and XXXX. How I would even know they required me to update this information with them. What she did tell me was that I had deferred payments while I was in school, XXXX years ago. I told her that if I have been employed in public service for 13 years ahd have been making payments the entire time, how could I have not accrued enough payments for the forgiveness. Again, no response. I asked to speak to a manager but the agent was unable to find one and I could no longer wait on hold because my phone had no charge and I was not able to plug it in where I was taking the call at work. I was told a manager would call me in 7-10 business days.

It was also my understanding that as a condition of my loan that the forgiveness would be nullified if I had a late payment, one of the reasons I chose to enroll in autopay. I feel cheated and jerked around. I also feel that the long waits and lack of clear information is a way to not follow through with any loan forgiveness. 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 2023-10-08
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX is obligated under the FCRA to ensure the accuracy of the information reported on my credit file, yet they have failed in this respect. They have inaccurately reported a late payment associated with myXX/XX/XXXX account ending in XXXX, which is a clear deviation from the truth. The record indicates a 30-day late payment in XX/XX/2019, an assertion that is both incorrect and should be amended to reflect the status of PAID AS AGREED. 

Moreover, according to 15 U.S.C 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report should not include information that pertains exclusively to transactions or experiences between the consumer and the reporting entity. The inclusion of these late payments is a direct violation of this provision, infringing upon my federally protected consumer rights. 

I would also like to highlight that I never granted EQUIFAX explicit authorization to include these erroneous late payments in my consumer report, constituting a breach of 15 U.S.C 1681b ( a ) ( 2 ). It is evident that EQUIFAX 's actions are not only a violation of my rights under the FCRA but are also inflicting significant emotional distress and tarnishing my reputation, leading to discrimination.

Company response to consumer: Closed with non-monetary relief