BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-03
Company: Westlake Services, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I made a call in XXXX letting WPM know I would need to pause my subscriber privileges and I would continue payment in XXXX. My contract with XXXX XXXX states subscription will be paused due to late or missed payments. Once payments are current subscription services will be reinstated. Per the language of the contract with XXXX it says that if my debt is sold to a collector, they are held to prior existing terms of contract. And also states the account can not be derogatory or late unless the contract has come to completion and all payments are not made. If that happens, then interest of XXXX  cent per day, passed last completed payment, will be charged to the account. I called and told XXXX this and they said i had to have XXXX call them and tell them this. This is in the language of the contract, Ive read it to them, noting which sections it pertains to, and they said the original company needs to tell them that. The original company doesnt take any new contracts anymore and their contact moment forwards you to WESTLAKE portfolio managment. Ive told them this and they told me theres nothing they can do till XXXX contacts them. I made a payment i of {$300.00} in XXXX, they changed my account to charged off/collections immediately after the payment and now wont allow me into my account to make payments. Ive been trying for 3 weeks and sent emails. 
My credit score dropped XXXX points and i took all the measures to ensure this didnt happen, but wpm representatives consistently hang up when they say they will transfer you, or tell me theres nothing that can be done whenever I am able to get them on the phone. 
They keep saying XXXX has made these changes, but XXXX XXXX is the company I made the loan with. XXXX is the company that makes the braces. XXXX XXXX  and XXXX are two completely different entities.

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 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-10-31
Company: EQUIFAX, INC.
State: PA
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 and 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 2023-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
TransUnion has released personally identifiable information in their data breach including my drivers license information and number, previous residential addresses and most importantly my social security number. This information has been shared across multiple channels and attempted to be used in credit inquiries etc. TransUnion unlawfully assured me my credit freeze was placed on my report prior to this event when my credit profile was not secured and my information was stolen. In XX/XX/2022 I was forced to obtain a cosigner on an apartment I was initially denied approval due to rental information that was never shared with me after checking my credit profile and requesting information on potential rental history. The name of the third party that was providing the inaccurate information was withheld from me and I was forced to use a cosigner to obtain housing despite having XXXX credit score and making the necessary amount with 2 jobs.

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: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The loan was made without an escrow account and I wasnt made aware of the fact that my lender would force the escrow account on my loan. Could not get my home insured back in XXXX due to the age of my roof. I only borrowed XXXX of the equity in my home ( home worth is XXXX. The mortgage company charged me a couple of XXXX dollars for the three months that I was not able to get my home insured. This year when I received my insurance quote, I would not be able to afford the cost, so I searched for a better price and was told by the insurance company that I would have a 10 day grace period to get a new policy. I was without insurance for a total of 10 days and was told that I could pay the XXXX to cover the lapse in insurance. After I paid the insurance lapse, I was told that my payment would have to have an escrow account attached to my loan and that it would cost three times more than the policy I obtained and did not inform me that I had a right to choose my insurance company. When I asked Rocket Mortgage how they thought I could pay them this amount, I was told that it was only going to be going up and I explained to the lender that if it wasnt removed that I would loose my home. They were not willing to work with me on this and I explained that I didnt know that they could force me to have an escrow account as long as I had paid them for the 10 days of the lapse in coverage. In the meantime I was late on a payment due to having health issues and had to resign from my position as a XXXX XXXX and now on a fixed income. I authorized my account to be paid up to date, but it was supposed to be for two months at XXXX each. When I logged into my bank account the lender had taken XXXX, and the new payment of XXXX, which I had not approved. I even had the curtsy to call the lender to inform them of my situation and being late to pay the next payment and they still turned it in to try to reduce my credit score. The lender has threatened me with foreclosure, even though I had informed them that I had no intention of defaulting on the loan. I have been harassed by the lender and recently paid the XXXX payment and they have sent me a letter stating that I still owe the XXXX payment and that they may send an inspector out to make sure that my home is occupied and there would be a charge for this service. I have insurance on my home and I will be paying it off in the later part of XX/XX/XXXX, so I will no longer need to have the escrow account. Rocket Mortgage is a predatory lender and they were attempting to do nothing but take my home and profit from it. The fact that they have made absolutely no effort to assist me in this matter is beyond me. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Company explaining amount owed

Complaint:
I asked for the breakdown of all the charges connected with my account which includes the interest, late charges, and principle amount. Also I rescinded the contract for breach due to non disclosure! Also I let them know they violated the Truth in Lending Act because no cash is supposed to change hands in a credit transaction! Plus the XXXX XXXX was violated to with that high interest rate!

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 2022-10-31
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$25000.00} XXXX XXXXXXXX Balance Owed : {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: Experian Information Solutions Inc.
State: PA
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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Months ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 2022-11-02
Company: Experian Information Solutions Inc.
State: MA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2018-08-14
Company: Rent Recovery Solutions
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Rent Recovery Solutions open XX/XX/XXXX for XXXX. The original creditor of this debt is XXXX XXXX XXXX. Never received notification of this debt until it showed up on my credit report. This debt was created by the mishandling of funds I was court ordered to pay my ex during the divorce. She was court ordered to use this money for rent and chose to use it other things to purposely put me in a debt situation. I submitted the court degree to the original creditor but the disregarded all proof. When they would not correct the mistake I hired XXXX XXXX to dispute. In XX/XX/XXXX this account fell off my credit after dispute and removal put has now been added back to my  report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries 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 inquiries : XXXX OF XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXXXXXX AUTO FIN XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  FIN XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/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
Consumer complaint received 2022-11-02
Company: Granite Edvance Corporation
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
We co-signed a loan agreement for our daughter for the XXXX school year for approximately XXXX with the New Hampshire higher education loan corporation XXXX The initial loan disclosure notice as well as the final loan disclosure notice clearly set forth that we selected the interest only payment option which reduced our loan rate from XXXX XXXX XXXX XXXX % with payment to begin as of XX/XX/22 for {$190.00} a month and if we set up auto deduct, it would reduce our interest rate further to XXXX XXXX. We are unable to set up the auto deduct and currently facing a higher interest rate of XXXX XXXX and not the bargained for XXXX XXXX  because the lender will not make the auto deduct option available until the loan is fully disbursed. By the time this happens we will incur significant interest payments as the interest compounds on the loan. 

In response, lender has acknowledged that the financial disclosure form as well as he loan terms document are incorrect but that they are not going to honor the original terms. All they advise is that they are planning to fix the disclosure form moving forward but that does not help consumers like us that signed up per the original loan documents. They violated the truth in lending disclosure act by not honoring the terms and not making it clear that loan payments would not restart until full disbursement. The XXXX XXXX XXXX was specifically designed to prevent this type of bait and switch from occurring by ensuring that key loan terms are clearly laid out in simple plain XXXX. 

We are not seeking anything different from what was included in our financial disclosure form and that the loan servicer and originator honor the original commitment. The company has acknowledged that the form is incorrect and confusing, yet refuse to honor the agreement. As a result of the clear bait and switch, we along with other hard working families will be on the hook for significant interest payments that will compound with the principal and put us in more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I became XXXX XX/XX/2015, Been on total XXXX and receiving Social Security. 
I applied for student loan forgiveness and submitted all supporting documents sent by the Federal Student Loan Forgiveness to XXXX  ( my student loan holder ). 
My application was received and accepted by XXXX and received notifactions from them that my sudent loan was dismissed in total due to my XXXX. XXXX still has not removed this from mum credit which has effected my credit score negatively. 
My student loan was accepted and approved through the Federal Student Aid/Student. Loan Forgiveness Program. XXXX also notified me my application was approved, would be dismissed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: NJ
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 accorda

nce with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 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 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 1681 s-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. 


XXXX XXXX- ACCOUNT 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
Consumer complaint received 2022-11-02
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
LVNV FUNDING LLC Last reported XX/XX/2022 {$290.00} Open balance XXXX XXXX XXXX  XXXX XXXX XXXX Original creditor This isn't mine. And now a third party has obtained my information some how and is trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
For the past 5 months I have followed the protocol and advice of this credit bureau for disputing inquiries on my credit report. I have disputed these inquiries via phone, fax, via my login on their website and in writing and have submitted complaints about their handling of this situation to cfbp and XXXX. I have contacted each supplier of the inquiry and they have sent request for the inquiries to be removed, and ONLY this credit bureau will not remove the inquiries. I have sent in my legal identifies ( ID, proof of address, police report, ftc report ) to prove these inquiries are fraudulent however they will not remove them. What I receive is notices stating I cant dispute online or they wont investigate because a 3rd party is submitting my complaints ( which is legally allowed ), I've even been told they don't have a credit profile for me. At this point the are hindering my legal right to have a accurate credit profile AND my legal right to dispute any inaccuracies on my report. The accounts associated with these inquiries were deleted under identity theft but they are telling my the inquiry is valid, by not removing them, how?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had applied for a loan modification under my mortgage company 's ( LakeviewXXXX XXXX XXXX loss mitigation department beginning in early XXXX of this year. I had been told to submit, resubmit, and resubmit documentation. I was getting pretty aggravated after the third submission of the documentation XX/XX/2021. I was rather shocked today when I spoke with a representative named " XXXX '' at the loss mitigation department [ ( XXXX ) XXXX ] who had informed me that LakeviewXXXX had simple " removed '' my application. I did not know that an application could be " removed ''. I was waiting for a determination for over a month an a half before the application was removed at the eleventh hour. I think that the repeated requests for resubmissions was an intentional delay tactic and was a prelude for the mortgagee 's decision to disregard the application... this was clearly in bad faith. 

It is my belief that LakeviewXXXX had no intention to allow me to submit the application and that they were sandbagging me while waiting out the clock until XX/XX/2021. I would like in inquiry into this BAD FAITH, obviously prejudicial and oppressive action by the Consumer Financial Protection Bureau.

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