BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have on numerous occasions asked, requested, and demanded that the 3 major reporting credit agencies Remove any and all fraud alerts and statements attached to my credit profile. Seemingly that the credit agencies has somehow over looked my request, Im now filing an official complaint and re requesting that the 3 major credit bureaus, ( Transunion, XXXX, and XXXX ) Remove All Fraud Alerts and Statements from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to have the following information deleted from my credit file. I requested a copy of my credit report and noticed multiple fraudulent items on my report. The items I need deleted are listed below. I am a victim of identity theft and did not make the charge. I have never had an open account with either of the companies listed and it's illegal to have fraudulent information reported to my credit report. I need these items to be deleted immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies from the Federal Trade Commissions Identity Theft affidavit. I am demanding that you delete all fraudulent accounts, by federal law you are required to move all accounts from my consumer report without prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I received my consumer report from LexisNexis which contained XXXX pages. In the report there were countless amounts of errors, information that did not belong to me and information that should not have been connected to me in any way shape form or fashion. I sent a certified letter advising LexisNexis of all the the incorrect and outdated information along with my XXXX issued drivers license and my social security card. A letter was sent back to me dated XX/XX/2022 in response stating that they needed additional information to start an investigation they stated the documents were either not legible, Some or all of the identity verification documents I submitted did not qualify in order to very my identity.I do not understand what additional information is needed. Also they have on my report I am married to XXXX XXXX and XXXX XXXX XXXX. I have only been married XXXX time is i still have my married name. Also LexisNexis has my XXXX XXXX XXXXXXXX XXXX on my report as sharing an insurance policy together. We have NEVER applied for or shared an insurance policy together. The list of as many of the inaccuracies will be included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: SYNCHRONY FINANCIAL
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:
In XX/XX/2023, I reviewed my XXXX credit report and noticed that there were 2 accounts showing that I did not open and did not belong to me. I reached out to both companies XXXX Synchrony Bank, SYNCB/PPC and XXXXXXXX XXXX immediately and informed them that the accounts did not belong to me and it appears my identity was stolen. I provided my full name, full address, full social security number and I was told that they did not have an account in their system, that matched my personal information. I was then advised by both companies that I needed to submit a dispute against the accounts directly to the credit bureau. 

Per their instructions, I submitted the dispute to XXXX. The response from the dispute indicated that the information was correct, therefore nothing changed on my credit report. I then contacted the companies again, spoke to Synchrony Bank Fraud Investigation Unit ( XXXX ) and was told that they would close out the card and send me documents regarding the investigation. I was also told to complete the fraud investigation form and fax back to them ( at XXXX ). This was completed as well. 

I also contacted XXXX XXXX  again and informed them that the account was not removed from my credit report. I was then told to provide proof of the account that I am disputing. I then faxed a copy of the account as noted on my credit report to XXXX XXXX XXXX XXXX ( faxed # XXXX ). 

I also recently noticed that soon after I started the process, there was an address change on my XXXX and XXXX credit reports, which I did not authorize. I also disputed the address error. Additionally, the incorrect account is now showing on both my XXXX and XXXX credit reports. 

I also filed a police report with my local police department. 

There is currently a freeze on all three bureaus and a fraud alert was also placed. At this time I am waiting to hear back from both companies. 

This has caused a huge burden on me and I can not proceed with conducting my personal business and it is gravely affecting my credit. Any assistance you can provide in resolving this issue in a timely manner, would be greatly appreciated.

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 2023-11-04
Company: Experian Information Solutions Inc.
State: IL
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 have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, Experian, XXXX and XXXX detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High.

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.

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 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Update my personal info, delete the accounts violating the FCRA and delete the unauthorized inquiries

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 2023-08-23
Company: Fairway Independent Mortgage Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with XXXX XXXX who works for Fairway independent mortgage corporation in late XXXX. He assured me my loan was in good standards while my house was being built. XXXX ran 4 hard inquires on my credit and I also paid {$2600.00} down towards my earnest. Within 3 weeks of closing, I reached out to XXXX about my loan process and he stated that he will start working on it. XXXX negligently lied to me that my loan was being processed for 3 months when he actually didnt actually start processing it until 3 weeks before closing. XXXX then tells me that since he didnt lock in my loan rate of XXXX in XXXX my new interest rate would be XXXX which significantly increased my monthly mortgage rate. He also told me I needed to have an additional $ XXXX in 3 weeks to go towards my down payment at the time of closing. His negligence ruined my life! I changed my whole life around the lies XXXX told me about my loan. I enrolled my son into the elementary school zoned to the new home and I also changed my youngest sons daycare facility as well. XXXX told me it would be okay to put in my 60 day notice at my current residence and now my children and I have no where to live due to XXXX negligence. XXXX homes also refuses to refund my earnest money of {$2600.00} since I no longer can have the home. This entire process has caused me so much stress and tears.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car loan is with US. Auto Sales, who has transferred my loan to Westlake portfolio management. however, before the loan. US. Auto has been double charging me for payments, and additional fees along with charging me for collateral protection, for almost 2 years. when I explain to them that I have insurance, and sent proof as well. I never received any of my money back. I was sent a letter stating that they were looking into this matter, then next thing I know. I start seeing letters from another company stating that they've taking over for US. Auto Sales, and all payments should be made to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This company is currently reporting a hard inquiry to my credit file, I have never given the permission to do so. I have never done business with this company.

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 2018-05-04
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my XXXX payment through my bank 's website as I do every month and they received it on the due date ( payment is due the XX/XX/XXXX of every month ). I was surprised to see a late fee on my XX/XX/XXXX bill so I called and was told that the late fee would be waived. Then I paid my XX/XX/XXXX bill through my bank 's website on the XX/XX/XXXX to avoid the hassle I had the month before. Earlier this week, I started receiving calls from XXXX XXXX. I called them back and they said I shorted my XX/XX/XXXX payment {$33.00} so I needed to pay that plus an additional late fee because the {$33.00} was late. I informed them that the {$33.00} was the late fee that was waived. They said they took the late fee off my balance and I still owed them the additional {$33.00} plus late fees. This did not make sense to me because any time I have been charged a late fee and had it waived it was always waived from the total amount due that month.I was told this most recent late fee could not be waived because they had just waived a late fee. I informed them that the first late fee was erroneous because they had received my payment on the due date. I was basically told they could do nothing and I needed to pay these additional late fees.

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 2020-04-14
Company: AES/PHEAA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
American Education Services claims it is exempt from the CARES Act that mandates all Federal Student Loans must be put in automatic no-interest forbearance due to the COVID-19 crisis. They are claiming that the CARES Act applies only to loans held by the ED ( Department of Education ), and not by lenders such as themselves. They claim that I do not have Federal Student Loans with American Education Services that fall under the CARES Act. 

I, in fact, do have Federal Student Loans. These are not private loans. I got them when I was in school in XXXX, and my Federal Student Loans were serviced by XXXX. In XXXX, American Education Services purchased my loans from XXXX, without any input nor approval from me. When I log in to American Education Services, and look at my loans, I have two loans : One XXXX Loan, and one XXXX Loan. 

I am requesting that American Education Services comply with the instructions mandated in the Federal CARES Act, and place my loans in ZERO-INTEREST Hardship Forbearance, as required by the Federal Government in the CARES Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on 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 2020-04-14
Company: EQUIFAX, 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 have been slowly and accurately been paying down my debt, my credit score goes up only by small amounts. When my car loan showed it decreased by XXXX which it actually decreased by more because I ALWAYS MAKE ON TIME PAYMENTS IN MY ACCOUNTS, XXXX AND EQUIFAX LOWERED MY CREDIT SCORES BY 23 POINTS. The whole idea of paying down your credit obligations is to have your CREDIT SCORE GO UP NOT DOWN.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Square Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I invited my daughter to join CASH APP and we each got a {$5.00} bonus. The {$5.00} bonus showed up right away. She then initiated a payment to me in the amount of {$170.00} on XX/XX/XXXX. I immediately received a text notification from CASH APP about the {$170.00} payment, but the payment never showed up on my CASH APP acct. I went through their help menu and followed their instruction to add my cell number to my acct. Still never showed up. Other payments I have sent and received to/from other individuals have appeared right away. There is still no sign of the {$170.00}, even though it was taken out of my daughter 's bank acct on XX/XX/XXXX. I have sent numerous emails, XXXX messages, XXXX messages, and even XXXX about it. I have tried calling every number I can find and they either don't work, or have only a recorded menu telling you to go back to their online help. They either need to refund my daughter 's money, or process the payment so it actually comes to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act 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, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1692c - Communication in connection with debt collection Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To Whom It May Concern, I recently obtained a copy of my credit report and identified an inaccurate listing of a repossession. I firmly believe this information is incorrect and should be removed immediately based on 15 U.S. Code 1681o - Civil liability for negligent noncompliance. 
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2022-11-01
Company: EQUIFAX, INC.
State: NJ
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: Investigation took more than 30 days

Complaint:
I told the credit reporting agency Equifax XXXX that XXXX XXXX was sued by the state of New Jersey attorney office It was a class action lawsuit that affect all car buyers who were sold a subprime loan. 
I was sold a subprime loan and as a result. The state sued them and found them guilty of selling high-interest-rate loans to people of color or individuals with less that perfect credit scores. 
I file a complaint with the Attorney General and they are investigating the matter. This is part of ligation and they are not allowed to continue to report inaccurate information. The debt is forgiven and they are ignoring attempts for justifications According Fair debt credit report Act this is not allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-22
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After many years of not being able to get out of my XXXX  XXXX XXXX loan which came to them by way of XXXX by way of countrywide I was finally able to refi through the hope for homeowners program and get out of my adjustable rate mortgage and get a fixed mortgage, they, in turn sold my loan to Ditech. 
In XXXX I contacted Ditech in order to refi to a lower rate take out cash to pay of high interest credit card debt thus lowering my DTI .... Instead of responding to me they sold my loan to XXXX mortgage. I contacted FHA to find out about programs to help homeowners stay in their homes. They referred me to XXXX loans and they denied me even though I have the equity the credit score and the income ... .plus they did not offer me any government options ... 
But yet this is the company the government told me to contact for help. 
Out of the blue XXXX ... my now NEW servicer ... ... contacts me and says they can offer me a program to take cash out pay of my debt to go towards my Debt to income ratio at a cost of {$17000.00} and 10 years of pmi payments of over {$350.00} a month even though I have over 50 % equity in my home ... ..I owe XXXX and my home is worth XXXX. I have good credit and I believe that these companies are trying to take advantage and give me unfavorable rates and loans based on being single XXXX and female which is one of the first things they all asked me about. 
My complaint is to Ditech for selling my loan in order to not do a refi. 

This is not the first time I have had to battle these companies from trying to steal my home from me ... I spent 8 months in 2009 trying to clear XXXX  XXXX XXXX attempt to take my home by them claiming I was not paying my mortgage on time which after sending them all the cancelled checks disputing their claim the were in error Nd stopped their attempt to take my home ... .but by then I was stuck in the Arm mortgage that took me years to get out of. 
I even contacted the DOJ at the time and they said XXXX XXXX XXXX  did nothing wrong but year later they he to pay the government a huge fine for their part in the mortgage crisis. 
So yet again I am fighting to get fair and equitable treatment. 
Regards

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