BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Lakeview services llc has made a negative report during the covid19 pandemic while my account was in forbearance status. During the forbearance status, i did make payment to my accounts. The incorrect report was made on transunion from the month of XX/XX/2020 through XX/XX/2020. I have recently spoke to the representative of lakeview service, they instructed me to perform this complaint. From my understanding, that during the covid19 pandemic, there should be no negative report is to be reported while affect financially during that time.

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 2023-05-03
Company: Certegy Holdings, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello Sirs, I originally filed a complaint against Certegy regarding a paid item reported by XXXX on my consumer report. This items is scheduled to be removed on XXXX XXXX. The initial complaint number is XXXX. The Certegy reference number is XXXX. It's now XX/XX/2023. I would like a copy of a update consumer report removing this item with XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: CA
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:
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report. Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, my partner and I applied for a home loan refinance. Our plan was to refinance and use the equity in our home to pay off debt. We explained to the loan officer at the beginning of the process that there were gaps in employment, and a drop in income in XXXX and XXXX due to covid. We explained that my partner was laid off in XX/XX/XXXX, and brought back on a limited based in XX/XX/XXXX as a XXXX employee. He came back to work full time in XX/XX/XXXX but remained XXXX. On XX/XX/XXXX we were told that the loan was approved with conditions. Conditions were title, updated homeowner 's insurance, payoff quote from current lender and most recent credit statements for payoffs. Due to hurricane XXXX an inspector was sent to our home to assess the damage. On XX/XX/XXXX we were told that we were required to complete repairs in order to move forward. We completed the repairs, which were costly and out of pocket, and provided paid invoices and pictures of the completed work. On XX/XX/XXXX we were told that my partner 's XXXX income was considered self-employment. We were then required to supply a profit and loss statement and XXXX and XXXX tax returns. On XX/XX/XXXX we were informed that the loan was denied because the tax returns do not show sufficient income. The denial letter also states excessive obligations in relation to income, which is not true based on the fact that most debt was going to be paid at closing. When I spoke to the sales manager and asked for an explanation of income guidelines surrounding covid, she said that income guidelines had become stricter due to covid. XXXX was taken into consideration for me as a XXXX XXXX, but not for my partner who had been laid off during covid and forced to return as a XXXX XXXX. These unfair and deceptive lending practices have left us in worse position than when we started this 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 2023-06-07
Company: Experian Information Solutions 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:
This is to inform you that the account listed below is reporting erroneously & is inaccurate. The furnisher is reporting this account inaccurately. They informed me they had an internal issue & posted me past due on XX/XX/2020. Please investigate this account & please update the account to a positive status of open/never late. I will be documenting my case in the event you verify it inaccurately. Please provide me with all verifiable prooXXXX XXXX XXXX XXXX XXXXXXXX

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 2022-10-10
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:
I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXXBalance Owed : {$5700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXBalance Owed : {$9700.00} XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX Balance Owed : {$1600.00} XXXX XXXX ( Original CreditorXXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00XXXX XXXX XXXXXXXX ( Original CreditorXXXX XXXX XXXX ) XXXX Balance Owed : {$2400.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} XXXX XXXXXXXX Balance Owed : {$2400.00} XXXX XXXXXXXX Balance Owed {$1700.00} XXXX XXXX Balance Owed : {$2200.00}

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 2017-06-02
Company: NATIONSTAR MORTGAGE LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my 30 year fixed harp mortgage changed from {$750.00} monthly to over {$2000.00}. I was sent a higher mortgage payment in XX/XX/XXXX and when i called, they said that my insurance or taxes must have gone up, raising my escrow but after checking with both i was told no, the escrow was to remain the same. I continue to receive 2 phone calls a day from Nationstar mortgage, continue to receive letters with increased monthly mortgage payments plus late fees and have attempted to speak with them on the phone to no avail. One person whom I spoke with said that the mortgage company must have applied a mortgage i sent in in XX/XX/XXXX to principle rather than a payment and I tried to tell her that I did not intend this to happen and no one contacted me. This phone call took place inXX/XX/XXXX. I get phone calls at XXXX XXXX every XXXX ( I work XXXX until after XXXX so this is early for me and wakes me up every XXXX ) then they call me again in the afternoon when I am work and ca n't talk to them ... ..customer service is manned by " English as a second language '' people and ca n't understand the issue, reading me a script which does n't help. I have been working on this for over a year ... .please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, 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 information incorrect

Complaint:
I signed up for credit monitoring services with MyXXXX in XX/XX/. I noticed that Equifax and XXXX were reporting XXXX 30 day late payments on an old credit account. I've never missed a payment on anything. It's rare that I even carry a balance on any of my credit cards. I mailed Equifax and XXXX letters on XXXX XXXX XXXX  to ask them to correct the errors on my credit report. I did not receive a response back from either. On XXXX XXXX XXXX I wrote a second letter to both Equifax and XXXX requesting that the inaccurate information be removed from my credit report. I included a copy of the first letter that I mailed on XX/XX/XXXX. It is now XXXX XXXX XXXX  and the XXXX 30 day late payments are still showing on my credit report. Nothing has been done. I haven't received a response in almost 4 months. I wasn't even aware that this was hurting my credit until I applied for a project loan with XXXX XXXX and I was told the interest rate was higher bc of my credit score. I immediately searched online to see how to obtain my credit report. I also read that I should monitor my credit bc inaccurate information could be on my credit report. So I signed up with MyXXXX and I discovered that I am being directly affected by these XXXX inaccurate late payments. I've never had to deal with anything like this and it has caused me to pay unnecessarily higher interest rates. There's no way of actually speaking to someone via phone. Both websites just gave mailing addresses. Please help me resolve this. There seems to be no way to get these inaccurate late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Radius Global Solutions LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A recent pull of my credit report inform me that I had a collection account on my credit file. Radius Global Solutions did not contact me and they are in direct violations of my FCPA rights and the Consumer Protection for Medical Debt Collection ACT. The latter states that no medical bill should be reported if less than 2 years or under XXXX dollars. The account was opened on XX/XX/2022 making it less than 2years old. Also a consumer has 30 days to validate a debt, by not receiving any notice the company violated my rights.

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 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to file a complaint against XXXX for violating the Fair Credit Reporting Act ( FCRA ), the Gramm-Leach-Bliley Act ( GLBA ), and the Family Educational Rights and Privacy Act ( FERPA ). 

I have been a student loan borrower with XXXX since [ year ]. During that time, XXXX has shared my personal information with third parties without my consent. This is a violation of the FCRA, which prohibits financial institutions from sharing nonpublic personal information with third parties without consumer consent. 

XXXX has also shared my student education records with third parties without my consent. This is a violation of FERPA, which prohibits schools from releasing student education records without student consent. 

In addition, XXXX has failed to remit my 1099-C form to the Internal Revenue Service ( IRS ). This is a violation of the GLBA, which prohibits financial institutions from failing to properly protect consumer information. 

I have requested that XXXX remove the reporting of these accounts from my consumer report and remit my 1099-C form to the IRS. XXXX has not responded to my requests. 

All violations are listed as follows : FERPA, GLBA, FCRA, 15 USC 6802, 20 USC 1232 Ive also submitted a request for your trustee, XXXX XXXX Bank to properly remit my 1099c so that I can properly do my taxes and send my copy of the form along with documentation showing it has been transmitted over to the treasury. Also, instructions were provided to wire my securities to my TDA account and send me back my tender. Per the Securities Exchange Act of 1934 pursuant to section 13 or 15 ( d ) for your fiscal year ending XX/XX/XXXX your indenture trustee is responsible for carrying out this responsibility would be XXXX XXXX Bank. This information was provided on your XXXX filed with the U.S. Securities and Exchange Commission 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 2021-04-19
Company: PNC Bank N.A.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with PNC bank starting in XXXX. 
I lost my job in XX/XX/XXXX because COVID so I applied to skip payments to PNC website and I was approved for 3 months. After that, the benefit was automatically renewed for 3 months extra. 
In XXXX I started back to do my payments, after that, I got a letter with a XXXX  XXXX XXXX which didn't include a pre-paid envelope. I'm not American and I've never sent a letter before so I used the same envelope wrongly and I got it back. I reached PNC and they said to take a picture of the signed page and send it to them by email. After few days, they replied to me that I need to send pictures of all the pages, after few days they said the format is wrong so I need to send a PDF, after that they said I need to submit it by fax and finally I got an answer that it's too late. 
In XXXX the Loss Mitigation representative, XXXX sent me a FedEx envelope with a Conditional Trial Plan, which I attached here ( The pictures were taken previous my signature ), with another XXXX envelope to send the papers signed. I need to do these trial payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX so I included in the envelope a check with the amount. 
A few days later, XXXX said I got the envelope and I have the money, we are good and you don't need more papers. Days after that, I got another Payment Deferral Agreement, but I thought it was sent by mistake and the conversation with XXXX left it clear to me. 
On XXXX, XX/XX/XXXX, I got a check back with the amount of my first trial payment. I've tried to contact XXXX  but it's impossible and they said I was removed from Loss Mitigation. After losing hours of my time, they said I'll be called back after an investigation on XX/XX/XXXX or XXXX but I don't want to wait more and having any risk of losing my house because of the mistakes of these people. 
I've called today to XXXX XXXX as well because they are the owner of the mortgage and PNC is only an intermediate, doing a terrible job by the way .. 
The only I want is to solve this situation as soon as possible. I don't want to lose my house because a misunderstanding or a very poor job from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX  ; XXXX  and Transunion are reporting incorrectly a repossession on the XXXX   XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I purchased a truck from a dealership and within a day, when the vehicle was running, large amounts of smoke was coming out of the tail pipe. I took it to the auto shop and they said that the engine would need to be replaced. The warranty that I purchased only covers half of the expense and my estimated out-of-pocket would be around {$5000.00} to {$6000.00}. I returned the vehicle back to the dealership within the time from for the vehicle to be under the Lemon Law. The dealership assured me that they would fix the vehicle. Shortly thereafter, the dealership told me that they had to trash the vehicle because they couldnt fix it. They offered to sell me another vehicle however, I was not going to purchase another vehicle because the one I did purchase I was assured would be fixed. I returned the vehicle within the time frame allowed. This line item is being coded as repossession and this coding is false. This account also needs to report a {$0.00} balance. This false reporting of a repossession is seriously harming my credit score and this line item needs to be either be removed or coded correctly. It is a violation of the Fair Credit Reporting Act to report inaccurate information. I have contacted the bureaus to remove this, but I have not been successful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had a bank of America account since XXXX. Everything was fine until the pandemic. Last year in XX/XX/XXXX someone hacked/misused my account and a lot of microtransactions came into my account from google which does not belong to me. All the financial centers were closed and everything was remotely at that time. When I got to know that money coming into my account does not belong to me I contacted BofA to take action and I told them I don't know where is money coming from and it does not belong to me. Instead, of me helping me out and investigating they closed my account and issued an FDIC check ( reversed the payment back to XXXX ) and they reported to XXXX XXXX and XXXX XXXX by saying that does not open his account for 5 years. Now I'm not able to open any bank account and not able to apply for any credit cards. Me being a victim of fraud I'm trying to resolve this issue since last year and they are transferring me from one department to another. I went XXXX XXXX to ask for help they are not able to do that since the account is closed and they don't have access to it. So, every time I'm calling they are transferring me from one department to another spending hours on the call.I tried to open the account in other banks but it's not working due to BOFA reported to 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 monetary relief
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. 

Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency Can not Furnish an Account Without My Written Instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person Knows Or Has Reasonable Cause To Believe That The Information Is Inaccurate.

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 2023-04-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have not used all the months of forbearance and chase wrongly says I have. There were 4 months where I did not request forbearance and I paid those months but they are saying it counts towards my 12 months cause the rep made a mistake. I need to use forbearance cause of my lost of income

Company response to consumer: Closed with explanation