BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I purchased a new home using Lakeview Loan Servicing company. I made monthly payments of {$1800.00} plus additional principal payments. On XX/XX/XXXX, the day of my third child 's birth, i found i was locked out of managing my account. XXXX downloaded multiple " misapplication reversals '' and an " escrow advance '' transaction. As I can not login to the account I can not see what caused this. I contacted the company via phone and was informed the account was 5 months delinquent and the online account had been locked to prompt me to call in. Representative XXXX informed me that " they '' were actively working on the account and not to worry as the " lack of payment '' error had not effected my credit. She stated the accounts were not properly moved from a " holding '' account to the disbursement account. She did not know when service would be restored so i can re-enter the account and see what is happening. Today is XX/XX/XXXX, six days after i noticed the error.

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: Experian Information Solutions Inc.
State: IN
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:
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. 

I sent Experian, XXXX XXXX, and XXXX a reinvestigate these accounts : XXXX XXXX  : # XXXX XXXX XXXX # XXXX XXXX  XXXX : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. I've added tracking numbers for letters, XXXX # XXXX XXXX # XXXX Experian # XXXX. 

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.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.

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case. I've attached documents.

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 2023-07-04
Company: CNG HOLDINGS INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX ( last reported XX/XX/2023 ) - Unpaid TEMPOE LLC collections {$510.00}, {$380.00} & {$620.00}. I have no knowledge of these debts and have attempted to dispute several time without a response from the collector or credit bureaus. I believe that the accounts are over XXXX XXXX XXXX as they have suddenly appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've been asking the bureaus for information for quite some time and they haven't answered me. It happens that some accounts are wrong in my report, some I don't even know where they come from, I'm really lost. I would like their collaboration so that they respond to me.

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 2023-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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 status incorrect

Complaint:
HARD INQUIRY DETAILS XXXX XXXX XXXX capital 0ne, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX these were all reported as fraud and they never removed them and they are showing up as hard inquiries. can they please be removed i had nothing to do with them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-17
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
For many years I have been trying to modify my original loan ( XXXX ), with a myriad of servicers. I am currently with Shellpoint Mortgage Services. My goal has always been to avoid foreclosure AND to pay the original loan amount. However, the loan has been in default for so long and was originally a no-doc interest only loan. Now the loan, which was originally $ XXXX is now at $ XXXX. Through the help of an attorney, I was finally able to get approved for a trial modification. Except, the amount of the payment is unaffordable and unreasonable. It is nearly {$7500.00} per month. The rep at Shellpoint gave me more details - that the maturity date is per the original, XXXX. And it is adjustable - raising interest points each year. Also that it is based on the original loan amount and the past due payments ( which would have only been interest anyway based on the loan type ). I spoke to the Illinois Attorney General Homeowner Help Line and they feel this is not a modification due to the 13 year maturity date. It should be modified to a 30 year loan. This might explain the high payment, but they sent me no back up figures - only a verbal conversation with the XXXX She basically said " you can afford it ''. Although I had a good sales year last year ( XXXX ) my average income is $ XXXX. They are basing this on XXXX year of income and a 13 year term. She also told me I could just refinance the loan with another lender - but the house is only worth XXXX - who would give me a XXXX mortgage for a XXXX house????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a mortgage with Amerisave Mortgage Corporation on XX/XX/XXXX. I was forced to pay, upfront, a fee of {$500.00}, before they would consider my application. I came to Amerisave through my XXXX membership, meaning Amerisave 's origination fee could not exceed {$350.00}. My home was appraised at $ XXXX for a loan of {$510000.00}. My credit score was XXXX. My income was over {$500000.00}. This loan was the ultimate no-brainer. The communication with Amerisave became less and less frequent after they received my {$500.00}. They performed the appraisal and eventually sent me a Closing Disclosure statement but the figures on the Closing Disclosure Statement was inaccurate - the loan on the statement was for $ XXXX, not the {$510000.00} I asked for - and the origination fee was over {$1500.00} which exceeds the sum advertised by XXXX for its mortgage affiliates. When I subsequently received a revised Closing Disclosure Statement, the loan amount was accurate but the origination fee was actually HIGHER than the first figure and still well above the {$350.00} allowed as a XXXX Executive member and approximately {$4900.00} in lender credits to me had disappeared from the Closing Disclosure. My efforts to resolve the higher than permissible origination fee and the lender credits ( to me ) that disappeared were never addressed. I was told that closing would occur XX/XX/XXXX ; however, nothing happened that day. All efforts to follow-up with my processor have been ignored. I have called and e-mailed every day since last Thursday, XX/XX/XXXX, to no avail. I recently saw a XXXX settlement between your agency and Amerisave and it appears that the owner is up to his old, dirty tricks. 

I am out {$500.00} and I do not have a loan to close despite clear qualifications for the loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-08-22
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
NFCU - Credit card Subject : Explanation of Inability to Open an Account due to Confinement Dear NFCU, I hope this letter finds you well. I am writing to address a recent matter concerning an account application that appears to have been initiated under my name. I would like to clarify that I did not open an account with NFCU during the specified time frame due to extenuating circumstances that rendered me unable to do so. 

The application in question seems to have been submitted on XX/XX/2016. I must emphasize that during the period surrounding that date, I was in confinement and faced significant limitations in my ability to engage in any activities outside of my immediate living space. 

The nature of my confinement was such that I did not have access to the necessary resources, including internet access and physical documentation, required to open a new account. Moreover, my location was not conducive to such activities, making it logistically impossible for me to initiate any account-related procedures. 

I understand the importance of accurate record-keeping and the need for thorough investigations in matters like these. I kindly request that you conduct a comprehensive review of the application details and consider the circumstances I have outlined. It is my hope that this clarification will allow you to confirm my assertion that I did not open the account mentioned in your records. 

If there are any additional steps or documentation required from my end to support this claim, please do not hesitate to inform me. I am more than willing to cooperate fully to resolve this matter promptly. 

I appreciate your understanding and cooperation in this regard. It is my earnest hope that we can swiftly resolve any discrepancies and rectify the situation. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Originally XX/XX/XXXX I was supposed to co-sign for a car loan, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NJ XXXX deceived me into signing a contract in my name as full owner. Loan Contract started XX/XX/XXXX with Credit Acceptance Corporation, the next day I tried to call into the customer service to rescind the contract and was told yes only if the auto lot would agree. They disagreed even though I had been complaining that the car was already giving trouble, reported as electrical issues, I tried to file it as a lemon. Fast forward the driver which was the real owner of the vehicle who had been making all the payments to credit acceptance through her bank account contacts Credit acceptance about payment arrangements due to loss of employment. Finally one representative called me XXXX asking for a payment I explained although car was signed by me I was not the physical owner XXXX XXXX XXXX XXXX and had no way of making payments. Covid 19 comes in and payments are put on hold due to pandemic, the arrangements that was made with the driver at the time were then rescinded. I reached out to Credit acceptance asking that payment history be emailed or mailed to me ( XXXX XXXX ) and was never received accurate information. 

Never contacted via mail or phone call and then Repossession of vehicle around XX/XX/XXXX took place. after a vehicle is in the possession of a finance company, there are at least two notices required ; The initial notice is a Notice of Resale Date was never sent. Per my Credit acceptance contractGetting the Vehicle Back After Repossession. If We repossess the Vehicle, You have the right to pay to get it back ( redeem ) at any time before We sell, lease, license or otherwise dispose of any or all of the Vehicle in its present condition or following any commercially reasonable preparation or processing. 
XXXX balance reported {$7300.00} to {$7500.00} XXXX balance went from {$11000.00} decreasing to {$6800.00}. 
Under section entitled 9 A ten percent ( 10 % ) penalty per month shall be added to a refund that is not paid or credited within forty-five ( 45 ) days after return of the service contract to the provider. Now credit acceptance is adding late fees and every month reporting inaccurate balances that I owe, without contacting me about the balance that was owed after the resale of the vehicle that was not in a condition to be sold.

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 2019-07-08
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to verify a debt on my credit report for over a year now. Transworld Systems Inc has refused to send any documentation regarding this debt and has been very difficult when trying to make settlement offers. I have evidence that this debt is not mine and they have not been very helpful. I have even offered a settlement amount just to get this off of my credit report. They will not lock in an amount. They keep changing the agreed amount and refusing to send a written agreement. Every time I call it is the same two women that answer one name I can not pronounce or spell and the team lead is XXXX XXXX. I have asked if they could email, fax or mail documentation to me. They state that they have mailed documentation to me on XX/XX/XXXX, but I have yet to receive anything. According to them this debt is from XX/XX/XXXX for {$7900.00}. I have faxed, mailed and attempted but they refused to email them documentation proving that this debt was not mine, I have provided them with proof of residency, and everything else they have asked for. But when I spoke to them last week they stated they only received my social security card and a letter of concern in XXXX. They just informed me on XXXX XX/XX/XXXX that they are going out of business. I have even reached out to XXXX the original account holder and they stated that after two years they archive their accounts and that there is not account associated with my name or social security number. 

I have even sent dispute letters to all three credit bureaus as a last resort so far XXXX has deleted it, and stated it is not my debt. I am just waiting for XXXX and XXXX to do the same. 

This company has been very difficult to deal with. Always stating that they need to speak with XXXX first before accepting a settlement amount. They will agree to one amount at XXXX and then by XXXX the amount has increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I did a dentist appointment from having a toothache and from there the dentist had a whole bunch of ideas and how they can fix my teeth and make them better. They convinced me that Care credit card was good and could pay for these procedures. No interest for a year or so. The price was doable. Now fast forward to me having the card. I was late one payment and they close my account. Even before closing my account it's been very hard to sign on to actually pay. The payment account portal works when it wants to work and basically now it won't let me on. I have to sign in as a guest. As a guest you need to have your card with you, which if if your account is closed, there's no reason to carry your card. No matter how much you pay this card, the balance goes up. So let 's say I started at {$700.00} 10 months ago and paid {$50.00} something dollars a month now. 10 months later I still owe {$600.00} and something. It's like no matter what you do, you're just throwing your money in the hole. It's like you can never finish paying these people off.

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 2022-10-14
Company: Experian Information Solutions 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed the accounts which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX : {$36000.00} ; XXXX XXXX XXXX : {$36000.00}.

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 2019-07-08
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: Personal information incorrect

Complaint:
Bureau has the following information incorrect on me. 
My name is XXXX XXXX. The following are incorrect : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have also never resided at the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: VA
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:
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, Account name : # XXXX, Account name : # XXXX, Account name : # 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.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 explanation