BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am an XXXX XXXX XXXX vet who used the VA loan for a current home. I have been in our home for just over two years. Our mortgage is with : Lakeview Loan Servicing , LLC ATTN : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX XXXX I was recently awarded a XXXX XXXX XXXX XXXXXXXX rating as of XXXX XXXX. I called Lakeview to inquire about the process for providing documentation to remove the property taxes portion from my monthly loan payment. After spending a while on the phone the customer service agent told me I could either fax the documents to XXXX, which I did on XXXX at XXXX or submit them online. I was told the request would take 3-5 business days to complete. I called on XXXX and was told they never received anything. I was told that I should instead upload the documents through the website vs fax. The reason I faxed it on XXXX is because the process they were giving me didn't work online. When I called on XXXX, I asked them to walk me through the process. I was transferred multiple times and had to call back because the department they sent me to wasn't receiving calls. 

I explained my frustration because ultimately I'm paying escrow that I am not legally required to because of the XXXX XXXX XXXXXXXX rating ( Texas ). I was then transferred again to web support and when they walked me through the process, but it wouldn't allow me to submit it. He told me, yeah it's not working and I already let them know. 

I told the previous customer service agent that the process to remove property taxes from escrow is complicated and really not designed to actually assist the customer. With a VA loan, mortgage companies should have a simple process to address these types of changes especially since many veterans ' XXXX amounts change so often. 

I explained I will be mailing the next payment and omitting the property tax in the amount of {$790.00} until they finally process everything and was told that's fine. " That's fine '', as in if you don't send us the total amount, we'll penalize you for it. 

Essentially, this is how Lakeview chooses to treat Veterans. My taxing authority ( XXXX XXXX, TX XXXX XXXX XXXX ) told me that most mortgage companies simply call them to verify the " XXXX '' taxes. I understand each company has the freedom to decide how they process these types of requests, however, if regulations exist to make it easier on XXXX veterans, Lakeview needs to be held accountable to ensure they aren't making this process so arduous.

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 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 called XXXX to ask if they could help with my payments as I lost a job in XXXX of 2021. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped 75 points!

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 2021-12-02
Company: EQUIFAX, INC.
State: GA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX XXXX XXXX {$16000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions 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 purchased a vehicle from XXXX. On the third day of having the vehicle an message saying the Alternator and battery was dying. XXXX warrantys company XXXX XXXX  set up XXXX towing to transport the vehicle to a service garage for 1 hour towing and lost the vehicle. The vehicle was not recovered. I requested to swap the vehicle out for another vehicle and I did not ever receive the second vehicle. I am showing {$47000.00} in loans.

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 2022-12-08
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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to correct 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 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 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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$5200.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$28000.00} XXXX XXXX  XXXX Balance {$10000.00} XXXXXXXX XXXX XXXX Balance {$16000.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance {$570.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance {$0.00}

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 2021-04-26
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Saturday XX/XX/2023 I was contact from XXXX from my aunt account. She told me that her account was not working ( Bank account ) and she needed to send some money urgently, so, she sent me a phone number to see if I could send her some money and she The told me she would paid the next day. She told me to make multiple transactions. I never called to the directed phone number. In That moment I was with some family and my aunt that was supposedly asking me for money, called the family I was with and told them to say that her account has been hacked and they were asking around for money the the family members The phone number that they sent over was under XXXX XXXX XXXX and it was XXXX When I realized what was going on I tried to called my bank. They never answered. I was desperate and did not what to do, so I called XXXX and they help me to contacted me with a police XXXX. In that moment I was in a XXXX XXXX eating in XXXX because I was in my way to Oklahoma with my uncle XXXX XXXX and aunt XXXX XXXX And granpa XXXX XXXX -the name of the aun that had her XXXX XXXX is XXXX XXXX Because of that reason, they kindly helped me to started a report for fraud ( incident number XXXX ), they send me a link to upload the proof, and I did It. However, a few minutes later, police officer called me backed to tell me that my report was not able to proceed because my address was not in XXXX I tried to called my bank 3 times and I was in hold for more that 50 min and they hung up on me 2 times The 3th time the helped me to start the report but they said the were not able to cancel the transaction because they did t have that access and who does has that access works just Monday through Friday XX/XX/2023 I started a police report with all the evidence that I have and the give me the number report. XXXX XX/XX/2023 I called my bank to the fraud department and told me my case was denied and closed because they tried to contact the bank that received the money that I sent and the account was closed and didnt have the founds on it ( i mean, thats they work! ) I tried to give me the number report from the police and they told me that because the close everything they were not able to get and they were no open to help me anymore They basically told me that I lost my money already I did a report with XXXX and FTC AS WELL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: KS
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX Credit Bureaus are responsible for their tenacious rebelliousness. 
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 non-monetary relief
Consumer complaint received 2020-11-21
Company: Flagstar Bank, N.A.
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to flagstar bank taking affect on XX/XX/XXXX, I mailed my XXXX payment to the address provided for {$1800.00}, {$200.00} of which is supposed to be applied to additional principal. That check was cashed on XX/XX/XXXX and still hasnt been applied to my loan. I called flagstar on XXXX XXXX, and XXXX. Ive been given a case number on the first call, asked to email a screenshot of front and back of check on the second call, and was told it would be taken care of in 5-10 days of first call. On the third call XX/XX/XXXX was told its still open. Havent had flagstar reach out to me at all.

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 2023-07-18
Company: EQUIFAX, INC.
State: WI
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:
I pulled my credit report and found that XXXX has been reporting a balance of {$510.00} on a charged off account updated on XX/XX/2023 to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Lending Club Corp
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I requested a loan from lending club at the beginning of XXXX for XXXX, the bulk of the money was to be sent to another creditor to pay them in full ( XXXX  XXXX  ) on XX/XX/XXXX with the difference being sent to me ( {$1500.00} ). The funds never were sent to XXXX, so I called and spoke with several people and was later told that they sent the funds to the wrong address. Someone was supposed to call me back after they researched the issue ... they never called. Later I received an email from XXXX that the funds were recived loan was paid in full etc. Great right.. three days ago I received an email that this check bounced from LendingClub. I called in and was hung up on by a rep, called back asked to speak with a sup ... never called back. I called in today and was hung up on by another manager. I later called back and was told that because they couldnt send the funds to the creditor ( which they did ... they stopped payment on the check without asking me ) that they wanted to send me the funds. At this point I had had it. I just advised them to calculate the interest for the funds that I did receive ( XXXX ) which should have had me paying them somewhere around XXXX but they didnt ... they made me pay the full XXXX to pay this loan in full, which I think is extremely unfair as I tried to make every accommodation to get the full XXXX but they didnt honor their bargain thus I never received the funds. I was calculated interested on a XXXX loan I never received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The company has been posting " late payments '' to the credit bureaus since 2019. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last two years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.

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 2023-09-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23
Company: Big Picture Loans, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have filed multiple complaints with the Consumer Financial Protection Bureau and have secured legal counsel. To date, only part of my complaint has been rectified. Big Picture Loans chooses to ignore the second part of my complaint. Should it not be addressed and remedied to my satisfaction, I will continue down the path of seeking legal action. Big Picture Loans is already being sued by several parties. One such suits is as follows : Plaintiffs, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, XXXX in the United States district court for the XXXX district of Virginia XXXX Division Case involves a criminal enterprise that was established with the intent of evading state usury laws. In an apparent attempt to insulate themselves from any legal liability, Defendants established what is commonly referred to as a rent-a-tribe business model, where a payday lending scheme associates with a Native American tribe in an attempt to cloak itself in the privileges and immunities enjoyed by the tribeor to at least create the illusion that it enjoys tribal immunity. Under the rent-a-tribe model, Defendants made high interest loans in the name of Big Picture Loans , LLC ( Big Picture Loans ), which claim to be owned and operated by the Tribe. In reality, XXXXXXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX ), funded the loans, controlled the underwriting, and handled the day-to-day operations of the business. In return for the use of its name, the Tribe received 2 % of the revenue but otherwise the Tribe had no control over the income or expenses of Big Picture Loans. I took out an installment loan with Big Picture Loans for {$1500.00} in XX/XX/XXXX. To date, I have made 12 payments for {$290.00} totaling {$3500.00}, more than double the amount of the loan. I was informed ( and this is stated on my account on the company 's website ) that the interest rate was 57.35 %. I have submitted a screen shot of that information with each complaint. 57.35 % of {$1500.00} is {$860.00}. {$1500.00} plus {$860.00} equals {$2300.00} yet BPL has collected a total of {$3500.00} from me so {$1100.00} more than the amount I should have repaid. As ofXX/XX/XXXX, BPL closed my account and marked it as paid in full. While I am satisfied my account has been marked " Paid in Full '', I would like {$1100.00} in overpayments returned to me. BPL fraudulently collected {$1100.00} in overcharged interest. BPL is predatory and illegal it would appear. I demand BPL immediately refund by direct deposit {$1100.00}. I have emailed BPL over a dozen times with no response. I will continue to file complaints and pursue legal action until this is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CCS claims I owe {$780.00} to XXXX  XXXX. The policy with XXXX  was supposed to have been canceled on or around XX/XX/2021, it appears XXXX   rep ( s ) did not cancel as instructed, which is not my error. The amount they claim I owe appears to be for two months, XXXX and XXXX, coverage due to non cancellation as instructed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation