BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-26
Company: LAKEVIEW LOAN SERVICING, LLC
State: KY
Product: Mortgage
Sub-product: USDA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XX/XX/2023 our loan was sold to Lakeview Loan care. Once they took over they raised our bill {$500.00} saying it was an escrow and insurance issue. I just don't understand how they can legally do this. Our loan was set to the amount we could afford not this!!! We went and looked at their reviews and XXXX of their customers said they did the same thing to them. I feel like we are all getting scammed. Please look into this.

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: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Capital One 3xs, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: MARINER FINANCE, LLC
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I obtained a loan with Mariner Finance. A little time went by and I knew my first payment should be coming due but I remembered it being greater than 30 days out from acquisition. I looked for my paperwork but soon gave in to the fact Id misplaced it. By XX/XX/XXXX Id heard nothing from Mariner concerning my payment being late so I paid them a quick visit to inquire about the due date. I was told I was paid up. A payment had been received in their corporate office and applied to my account in the amount of {$3500.00}. PuzzledI asked several times, Are you sure? The ladies all replied, Yes! You have money available if you need it and would like to refinance. Shocked and bewilderedI stated, Well, maybe my kids found the contract and sent in the payment as its happened once before. XX/XX/XXXX rolled around and my son needed money for college tuition. I went back to Mariner on XX/XX/XXXX and took them up on their offer to close out the previous account and refinance. It was a 12-month note. I made all my monthly payments in person at their XXXX, TN location. Although this fell within the COVID pandemic timeframe I was able to pay a little extra thru out the term of the loan and was due to pay it off one month early ( XX/XX/XXXX ). In XX/XX/XXXX I noticed Id received a couple emails stating, Our records indicate that your account is currently past due. We may have options for you. I called the local office to question the reason for the emails since I knew I was paid up and very close to paying them off. I was told someone would call me back. The XXXX called the next day and stated I was past due on repaying the {$3500.00} back. I was told the original loan had been opened back up in XX/XX/XXXX due to a clerical mistake. The {$3500.00} had been reapplied to it with the first payment being due in XX/XX/XXXX. I was taken aback as this was the first Id heard of it. On XX/XX/XXXX I paid back the refinanced account in full. Is this an acceptable business practice? Can they reopen an account that had been refinanced and is now paid in full? Why was there no communication? Why was I not previously told about this action as Id visited the local office many times thru out this timeframe making monthly payments in person? I was told I should have received something from corporate in the mailwhich I did not. I was told theres nothing they can do about a mail issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious 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 explanation
Consumer complaint received 2019-04-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Daily calls for more than a week. Robocalls. No voicemail. Trying to collect a debt for someone other than myself. I have called to ask to be removed from their list, calls continue. 

Company name is Transworld Systems Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On Monday XX/XX/XXXX, I logged into TRANSUNION in order to check my credit report, and see if any information being reported is not in compliance with the Fair Credit Reporting Act. Upon review of my report, I noticed a charge off that should not be reporting on my report, and which was placed there without my expressed written permission. Under 15 USC 1681b ( a ) ( 2 ), [ ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ], TRANSUNION must get my expressed written instructions before reporting the charge off, which they did not do, and I am demanding they show proof from MY WRITTEN INSTRUCTIONS that I allowed TRANSUION to report this charge off on my report. Secondly, when a charge off occurs a credit is applied to the account that is charged off, due to the fact that the debt is WRITTEN OFF as bad debt, and the company, in this case XXXXXXXX XXXX will receive a credit for the amount of the balance listed, due to the fact that they received a credit to that account from the IRS the account can not be a charged off account as it has been credited. I am demanding the charge off be removed, and updated to a non charge off status. 

XXXXXXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-01-08
Company: Cedars Business Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
On XX/XX/XXXX I received a notice from Ceders Business Services in XXXX, CA stating that when my wife and I were in XXXX in XXXX, XXXX we got a {$800.00} speeding ticket in XXXX, XXXX XXXX over a year before ). We were never notified by the rental car company that there was a ticket, and I am not sure that we were even speeding. I don't understand how legally they can harass people for an international speeding ticket that we never got .... I believe this is a scam. I looked on the XX/XX/XXXXwebsite and saw dozens of the same story. 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 2022-06-12
Company: Experian Information Solutions Inc.
State: DC
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 received a letter from XXXX XXXX in XXXX of 2022 informing me that the late payment on my credit report will be removed from all three Credit Reporting Agencies. However, its still reporting on all three credit reports.

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 2021-01-08
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: Information belongs to someone else

Complaint:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

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 2022-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under + open end consumer credit plan as late for any purpose.

256

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: AR
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:
My husband and I have a mortgage through XXXX XXXX XXXX XXXX . In XXXX I called and tried to get help with out loan due to inflation costs we started to struggle with payment. After months of moving me from one plan to another they sent us a letter stating we were approved for the Covid-19 Recovery Standalone Partial Claim ( the " Plan '' ). 
In this letter one of the bullet points states, ' We will waive any late charges, fees, or penalties assessed to your on or after XX/XX/2020. 

I have called the numerous times and have filed disputes with XXXX, XXXX, and Equifax and resulting in them not taking off the payments. We have 5 late payments showing on our report and we are unable to get another loan to move to a different house with a smaller mortgage. I also expressed our home 's ac went out. We have been living in 90 degree temperatures because of our credit. They are continuing to refuse to remove the late payments. 
Thank you so much for your help on this matter. 


*They are also not explaining to consumers what types of things are covered for Covid-19 payment relief. Meaning I had to ask after months if inflation was part of this plan. I believe the company is doing this to many other people and are going to cause them to loose their homes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Experian Information Solutions Inc.
State: NJ
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: In progress
Consumer complaint received 2023-09-25
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: Information belongs to someone else

Complaint:
I'm unsatisfied with your assertions and am disputing them due to the absence of any substantial evidence to substantiate your position... I urge you to contest this account! Otherwise, I will pursue legal action against you ... Let 's be crystal clear here : I am a victim of identity theft, and it's a gut-wrenching situation that nobody should have to go through. But instead of finding help and support from your bureau, I've encountered indifference and disrespect. These accounts are a result of ID-Theft and I expect you to remove this immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
To whom it concerns at wells fargo, XXXX from XXXX took the claim unauthorized personal loan and credit card. My personal bank XXXX XXXX Bank asked why when this company took out {$6200.00} in unauthorized payments to a credit card and person loan payments unauthorized, which I never applied for. Then I told you who applied XXXX XXXX XXXX opened both accounts when I was in the hospital for 6+ months with XXXX XXXX. XXXX XXXX used the credit card maxed it out and was able to beneficial from XXXX person loan. They keep every other day when wells fargo made a huge mistake, to refund it and they have disputed {$1300.00}, {$4900.00} still owed to my account. Then the number XXXX, case numberXXXX people get rude and disrespectful on the whole situation why?

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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Validate Account 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 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score.

In my case, I recently found out that my score dropped down 781 to 744 without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
2. Balance decreased by {$53.00} XXXX XXXX XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX credit card ) 3. XXXX XXXXXXXX XXXX was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around 820. 

Thank you very much for your consideration. 
Kind Regards, 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 2023-09-26
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: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately from my report : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I had my credit ran today XX/XX/2021 because I am trying to purchase a car but I was not approved for the auto loan because they said there were 2 accounts reflecting badly on my credit report. I was confused when they told me this because I know for a fact I do not have any bad accounts under my name. One account is from a company called XXXX XXXX and the other one is from XXXX XXXX XXXX. Neither of these accounts belong to me ; I didn't open them and I did not give anyone permission to open them on my behalf using my personal information such as my name, date of birth, address or social security number. I don't know who is responsible for these accounts but I did not benefit anything from these accounts. I also do not have any sort of written or verbal contract with either of those companies and I did not allow them to run or access my credit information. I have already filed a police report regarding these suspicious accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: ALLY FINANCIAL INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Ally Bank XXXXXXXX, XXXX  XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.

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 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Filed a complaint with you on XX/XX/XXXX # XXXX. I received an email from Bank of America That XXXX XXXX Officer ; Resolution Specialist phone number XXXX ext XXXX and IMUST CONTACT HER by XX/XX/XXXX. I have called her five times and left voice messages for her to call me back. As of today she has not called me back. This is typical for Bank of America no body ever calls you back.I am again asking you for your help and getting her to call me back to move the process along which I have come to the realization that they really don't want to do as they want to keep my interest rate high as every month that passes they make more money.Thank you for all your help. XXXX XXXX XXXX XXXX # is XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation