BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have had numerous issues with XXXX XXXX, the first issue has almost been resolved however I am still after 3 months outstanding a payment of {$230.00} which apparently comes from FHA direct! The other issue which is ongoing and I have numerous emails and phones calls logged with them, is that I have had my FHA mortgage since XX/XX/2012 and as soon as the 5 years were up and we met all the criteria to have the MPI removed, I emailed/called/wrote to them, never had a response albeit generic emails to say put it in writing to us why you want it removed and if you meet the criteria we will contact you! This was an ongoing issue, one one phone call the agent told me I would not be able to have the MPI removed as the Loan to Value was not enough and it was not a current valuation but original valuation, I explained I wanted to make a payment to bring the LTV down to the correct amount which would save me {$240.00} a month, yet again she said she would get the dept to contact me! they never did, they have documentation of all my email requests, XXXX XXXX at XXXX has confirmed this and I have been in touch with him since XXXX, so I have basically overpaid {$240.00} per month and I want a refund of this asap, they have told me I am correct and this should have been actioned and it is with the Manager, well it has been with the Manager for months! I want a resolution as this has so far cost me time effort stress and more importantly my hard earned dollars. Please can you help me reach a conclusion. 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 monetary relief
Consumer complaint received 2021-05-24
Company: National Credit Adjusters, LLC
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:
A company called National Credit Adjusters has been continuously harassing me for months to collect money and refuses to accept that I have no business with them and owe them nothing. I've filed multiple complaints about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: ALLY FINANCIAL INC.
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XXXX, I received several checks from my mutual fund company that were distributions from my father 's estate. I held these checks about a week and then deposited them in my local credit union. About a week later, I sought to transfer most of the funds to a money market savings account with Ally bank where I already had a joint account with my wife. Unbeknownst to me, the mutual fund company had stopped payment on the checks because of a calculation error. I noticed this almost immediately when my credit union account showed a large negative balance and immediately filled out forms at the credit union to reverse the XXXX transfers. The people at the credit union were very helpful and did not charge me for the several returned check fees that would have accrued. Later that XXXX, I initiated contact with Ally bank to close the account. I was told this would happen. It did not and my login at Ally showed this account with the balance that it would have had if the XXXX transfers had cleared but that the funds were not available. After about a couple of months, I finally got Ally to make the funds available show XXXX from the initial deposits and they said they would close the account. This never happened despite repeated requests. The account has accrued a bit over XXXX XXXX  in " interest '' that was credited on the phantom balance. They have continued to promise to make the account balance XXXX and close the account but this has not happened. Now I am exposed to the possibility of receiving a 1099 for this " interest '' that is not mine. This may also expose _me_ to accusations of some sort of shady dealing. I would just like to be done with Ally bank and I can not believe they will not resolve this. I believe this is likely due to laziness and/or incompetence in the Ally bank IT department who are unable to bypass and resolve this somewhat unusual situation. I have attached an account statement. I have numerous messages with Ally as well and can add these if needed,

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 2023-07-07
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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$18000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$54000.00}.

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 2023-09-27
Company: Experian Information Solutions Inc.
State: TN
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 a victim of identity theft. I have sent the correct paperwork to the credit agencies in accordance with the FCRA. The FTC report is not being attached to the disputes and disputed properly. And I am not being given copies of the verification process

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 2023-09-27
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} ; XXXX XXXXXXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXX Balance Owed : {$700.00} ; XXXXXXXX XXXX  XXXX Balance Owed : {$3300.00}.

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 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Reporting Act the following accounts have violated my rights US BANKRUPTCY COURT XXXX file # XXXX XXXX  XXXX  XXXX CA XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  US SM BUS ADMIN ODA XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A states that I have the right to privacy 15 U.S.C Section 604 A Section 2 also states that 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 2019-09-17
Company: Bread Financial Holdings, Inc.
State: AP
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have two different account numbers with both being derogatory with no balance owed on either account. I sent out verification and disputed and the issue is still not fixed for 18 months. I still haven't gotten anything even with me giving my new address. XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-28
Company: Fay Servicing, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is about XXXX or XXXX complaints I have put in of Fay Servicing. I have submitted about XXXX applications for assistance and have been denied or given the run around for over an year or more. I submitted an application XX/XX/XXXX and was told my application was not complete due to not having home owners insurance. Again, this is the XXXX or XXXX application I have sent in to loss mitigation each time I send in the requested documents. Pay stubs, death certificate of borrower, etc and mortgage placed home insurance and I attached the declaration page. This round I was informed everything was accepted except I need home owners insurance. My concern is out of the XXXX times I submitted I have submitted the same forms and I need to show copy of my personal home owners insurance. This was never ever mention in the 3 times I submitted an application. I have also attached the mortgage placed declaration page which expires in XXXX. Why now all of a sudden it's a request. I'm trying to retain my home and the fee to bring it current is now almost half of the balance of the home. Please let the record reflect that I have written numerous complaints in on Fay Servicing in regards to saving my home since XXXX. I have not been assisted in any way form or fashion. I have completed a trial payment plan and denied loan modification, but my money was collected and no approval of loan. I keep requesting for a higher authority to contact me possible from CFPB so I can provide proof of fraud from Fay servicing. I don't want to lose my home to foreclosure as I have not been assisted in XXXX years of asking for help. The mortgage company is committing fraud to homeowners. Please someone in the bureau look into the previous complaints I have sent in and contact me. I have evidence of the fraud and misleading information. I'm going to fight for my home and have it documented everywhere I can the help Ive beem seekinf for XXXX years. No one is winning, because there is no payments been made and if I was approved for a loan modification payments could have been made this year. Why is Fay Servicing not offering help? Why am I being lied too again? Why was my {$3700.00} ( may be off a few dollars ) taken by my account manger XXXX XXXX and said an exception would be made and I would been offered a loan modification. This was is XX/XX/XXXX. It has been 8 months and nothing has happened. This could been 8 months of payments. Please look into the criminal acts being done to innocent people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XXXX XXXX  is reporting inconsistent information to he 3 credit Bureaus. They are reporting different account descriptions. XXXX  and Transunion are showing closed and XXXX  us showing derogatory. All 3 bureaus has to be consistent and they are obviously not. So what im asking for that this acoount by XXXX XXXX be deleted from all 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 2022-12-30
Company: EQUIFAX, INC.
State: FL
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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I received a vehicle loan with Bank of America for a used vehicle in XX/XX/XXXX. This loan was paid off in full XX/XX/XXXX. I wait a couple of weeks for the title. I do not receive and I call. They tell me that they sent it. I ask for the address and they sent it to a completely made up address despite having my address on file and that they can not send me a new title. I tell them to send me a new title ASAP as I need it. On XX/XX/XXXX, instead of sending the title they send lien release notice. I then tell them this state does not accept anything but the title. They have me submit a request for title which is done by XX/XX/XXXX and I receive an automated response that this takes 12 or so days. It is now XX/XX/XXXX and I still have yet to receive my title.

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 2023-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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 explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate 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 2020-07-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I PULLED MY CREDIT TO MYSELF FOR THE FIRST TIME AND I HAVE DEROGATORY ITEMS THAT ARE NOT MINE. THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE DELETED. PLEASE REMOVE THESE UNKNOWN ACCOUNTS FROM MY NAME.

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 2017-08-10
Company: EQUIFAX, INC.
State: MI
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 had a 90 fraud alert put on my credit report due to some unauthorized hard inquires in the past few months. I have reached out to the furnisher 's and informed them of the situation and most if not all have sent a response. I have collected them in order for the credit reporting agencies to act swiftly in this regard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: First Credit Services Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX was paid in full on XX/XX/2023 ( see attached receipt ). XXXX XXXX proceeded to send to collections ( see email from XXXX XXXX at XXXX at XXXX XXXX ). As a result, my credit score went from XXXX to XXXX ( see attachments ) forcing me into a significantly higher mortgage rate and delaying the close on my house ( see email from loan officer on XX/XX/2023 ). XXXX at XXXX emailed me on XX/XX/2023 and text me on XX/XX/2023 ( see attachments ) to waive the amount that went to collections and rejoin for {$1.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX- XX/XX/XXXX showing 2 accts XXXX  XXXX was originator - Complaints also filed with the XXXX and Texas Atty General - XXXX States that XXXX in a letter /reply that this could be a HARDSHIP? 
Where they got this I will never now - I am worth CASH XXXX XXXX at XXXX XXXX XXXX has NOT responded to my ceritified mail XXXX was notified by writing and by phone - I demanded any and all documents - NOTHING via internet /mail or verbal XXXX XXXX XXXX - reporting 2 medical charge offs - I demanded written proof - I supplied them with documentation from XXXX XXXX XXXX XXXX - XXXX states there was NO DENIED CLAIMS all PAID IN FULL* I paid all deductibles at time of service or obviously they would not perform medical services * Conns Is reporting 2 accts paid and 3 accounts NOT paid in XXXX - I have NO accounts that are not paid from XXXX- XXXX States they do not report anything over 4 year old yet they are on all 3 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 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX am writing in regards to compliant on XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX inquires were not done by me. also in regards to credit acceptance.

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 2023-05-26
Company: EQUIFAX, INC.
State: LA
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 six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX  XXXX XXXX, LA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX : {$15000.00}, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation