BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-25
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
We purchased a used XXXX XXXX in XX/XX/XXXX and financed by Westlake Financial. Then in XX/XX/XXXX the registration was due. It seemed high but we paid it. In XXXX of XXXX it was due and was really high again. So while at DMV we inquired why. Seems their is an error on title on the XXXX XXXX so we are being charged as if it is a new vehicle. 3 times higher than it should be. To correct it the DMV told us to send the document to our finance lender so they can return title to DMV to be correct and then they will send it back to Westlake Financial and then we can ask for a refund for those extra fees. But  Westlake Financial hasn't responded to the request. We have emailed the document on 3 occasions and spoke to someone almost every week since XX/XX/XXXX. As of today, XX/XX/XXXX the DMV has not received title back to correct it.

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 2019-06-27
Company: MoneyLion 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:
On XXXX XXXX,2019 I applied for credit with XXXX XXXX and received an alert from XXXX stating my inquiry with XXXX XXXX and that my credit score dropped 40 points. I began to thoroughly look through my report to find out what was causing the 40 point drop and found that Money lion reported my account as closed with a 30 day late XXXX 2019. I contacted money lion customer service at XXXX and attempted to resolve my concern regarding 30 day late payment with XXXX who could not help me and when requesting to speak with a supervisor, initially, denied my request. After I made another request to speak with a supervisor he finally transferred me to XXXX, who told me the I had a payment that was not made XXXX/XXXX/2019. I asked him why was no attempts to collect the unpaid amount made and why this my internal payment history reflects timely payments. Also, I asked why was it showing a 30 day for XXXX when my loan was paid off in XXXX XXXX,2019, He could not answer that. ; I then asked to speak with someone on a corporate level and was advised that he would be the highest I could go and that they could not update my credit report but that I would have to contact the credit bureaus and have them dispute the incorrect information. 

I than began to reach out by help request through the website only to receive scripted response. 

Lastly, I am attaching my last credit report pulled that shows I had 12 on time monthly payments with money lion. As of XXXX/XXXX/2019 not only are they reporting I made a payment late 2 months after my final payment. They have also removed positive reporting data from my XXXX credit report for the following months : XX/XX/XXXX - XX/XX/XXXX. 

They have disabled me from being able to print my payment loan history

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: Freedom Mortgage Company
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was approached by XXXX XXXX  for a free refi on my mortgage which was recently sold to them by XXXX XXXX XXXX ( see below ). The XXXX rep would not provide the details, terms, or disclosure for the offer unless I applied and they could run my credit. Then once I started the process, I was told that as a self-employed applicant that I had to have a median credit score of XXXX ; my scores allegedly being " XXXX '' ( the representative would not provide proof, self pulled scores were higher ), and that they would be declining my application. 

The idea that XXXX would offer a lower rate to check the credit of their newly transferred customers is a scam. 

My representative was XXXX XXXX Senior Loan Officer NMLS  # XXXX XXXX XXXX # XXXX " Welcome to the Freedom Mortgage Family! Recently you received a notice that XXXX XXXX XXXX XXXX, a fully-owned subsidiary of Freedom Mortgage, began servicing your loan. This will not have any impact to your loan number, rate, term, balance or payment method. 

SAVINGS OPPORTUNITY LOWER YOUR RATE Based on an initial review of your account, we can lower your rate and monthly mortgage payment. 
Benefits Include : * Zero lender fees * Lower rate and monthly payment * No appraisal required in most cases * Keep your current remaining term Don't delay as rates can change at any time Lock in your new lower rate today and get started on lowering your monthly payment! 
Reservation # XXXX Phone Icon Call XXXX or visit us online! ''

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 2023-10-18
Company: EQUIFAX, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
this account is a complete violation of the no surprise Act delete immediately my privacy is protected under HIPPA laws if you fail to delete litigation will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11
Company: Navient Solutions, LLC.
State: IN
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:
XX/XX/XXXX NAVIENT reported all 3 of my my student loans as 90 days late, when ithey should have been in deferment status ( since XXXX ). 
I talked with Navient on a few ocassions when they indicated that there was an administrative lapse in the deferment. After initially speaking with Navient,, the account was returned to deferment but they said is wasn't possible to remove from credit report, This school loan is still in deferment. 
This school loan on my credit report is hindering my last hope to buy a house using my VA home loan benefit because is causes an unnecessary misbalance on debt to income ratio

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: CITIBANK, N.A.
State: CA
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 used my Citi Dividend card only for my XXXX subscription and I typically end up paying the amount due and the upcoming charge at the same time, so it is not unusual to only get a statement every other month. I didn't think much of it when I didn't get any emails from company for a while. It was a big problem however because I did not get a statement for months, and so was unaware that they charged me late fees on a balance I didn't even know I had. Last email I received from Citi prior to suddenly learning on XX/XX/XXXX have a balance of {$90.00} plus including {$70.00} or so of late charges, was XX/XX/XXXX. I checked every email folder I have any I have no emails from Citi in this range. The company says that they tried to call me ... while I was at work and not able to answer the phone, and left me no messages. They stated that they are barred from leaving messages due to privacy requirements. Called the company, and they refuse to take any responsibility for their failure to communicate with customers on a basic level. After over a half hour, I just had them cancel the account. I can't trust them to not charge me without notifying 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 2023-04-20
Company: EQUIFAX, INC.
State: TN
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 have reached out to both the creditors and the credit reporting agencies telling them to verify and validate the debts for which I have been getting nothing but pushback. All of my disputes which make 7 disputes asked them to show the method of verification of how they are reporting this information. Nothing except that the information is coming back as verified. Someone is not doing their job or the method they are using to verify is very flawed. According to the FCRA, all information is to be 100 % across the board. EVERYTHING IS TO MATCH if it doesn't match or can't be verified then that item must be deleted. As a consumer, I should not have to point out the discrepancies when they are the ones who are reporting the errors. I have repeatedly submitted to them that the information is inaccurate and needs to be fixed, yet I get NOTHING BUT THIS ITEM BELONGS TO YOU AND HAS BEEN VERIFIED. I am baffled as to how the items I am disputing are being VERIFIED. I have been disputing the same items for the last 7 months and because of the inaccurate reporting and not doing their due diligence of making sure the items being reported on the consumer file are 100 % correct I am now living on the street with nowhere to go because no one will approve me for housing ; due to low scores. Something needs to be done and trying to correct this information after I have shown where the inaccuracies are coming from should not be an option. I have given the creditors and the CRAs enough time to get it RIGHT. I NEED THESE ITEMS DELETED. I will also be sending a certified letter to my ATTORNEY GENERAL -- XXXX XXXX which this information as well to see what he says about the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On or about XX/XX/XXXX, I spoke with XXXX XXXX of Loandepot regarding refinancing of my mortgage. He promised me that if I submitted timely all my documents as requested by Loandepot then I could close no later than the middle of XX/XX/XXXX. I complied and even relied upon his statements because I had work-related obligations in XX/XX/XXXX that take me away from my home area. In early XX/XX/XXXX, I was contacted by XXXX XXXX who is a loan application processor who stated that it was going to take 10 days to obtain a payoff quote from my current lender, and that could delay the loan. I contacted my current mortgage servicer and obtained the payoff letter in 3 minutes and forwarded it to Loandepot. I was waiting, hoping and relying that I would close by my rate lock end period on XX/XX/XXXX. At which point, I received a form letter saying that my rate lock was being extended to XX/XX/XXXX. XXXX XXXX, a manager at Loandepot assured me on XX/XX/XXXX that they would fastback my loan and would have me closed before I had to leave the country on or about XX/XX/XXXX. On XX/XX/XXXX, not having heard from Loandepot, I had to CANCEL MY LUCRATIVE CONTRACT because I was going to a location where internet was unreliable and there were no notaries. NOW, Loandepot sends me a letter telling me that my rate lock has been extended to XX/XX/XXXX. When I call them, NO ONE can tell me when I will close. Loandepot has been duplicitous in all of their representations to me. They have strung me along when I could have used another lender. I did everything I was supposed to do and yet they have taken from me the one thing I can not get back : my time! Additionally, I have lost the income from a lucrative contract that I can not get back. My reputation in canceling is mush. I don't know if they're breaking the law or not but they're XXXX sure breaking their motto : Customer service is our top priority! Thats a bunch of XXXX! I'll never use this company ever again!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: CO
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: BAM Management US Holdings Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance US charged me twice back in XXXX when purchasing their BNB token. Two charges of XXXX dollars, so I contacted my bank and had them reverse one of them. A week later my account was disabled, and funds frozen on their platform. I finally got in touch with someone after three weeks, and it took another two to resolve my initial issue : getting my account enabled to make purchases again. However, to enable my account, I had to deposit the same XXXX dollars that was reversed by my bank. THIS MEANS I AM STILL OUT XXXX DOLLARS. the customer representatives XXXX XXXX XXXX have not been responsive when being asked where my " precredit '' is, a term they mentioned before disappearing. I am owed XXXX dollars by this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: LA
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 earnestly request that you eliminate this from my credit report as it is not associated with me and is entirely fraudulent.

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 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-11-29
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX I 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 2021-04-01
Company: Exeter Finance Corp.
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:
Exeter Finance is reporting an unauthorized credit inquiry on my XXXX Credit file dated XX/XX/XXXX. I reached out to the company via email to dispute and received an email from them stating the following : Customer Service XX/XX/XXXX, XXXX XXXX  ( 1 hour ago ) to me Thank you for contacting Exeter Finance LLC. 

The contents of your message and/or documents ( s ) have been received. To safeguard your personal information, we will not be able to reply to your questions or concerns, using this email address. 

For further assistance please visit us at : https : XXXX XXXX is a secure online portal that gives you 24/7 access to your Exeter account. Using a computer, tablet or mobile device, you can login anytime and make payments, set up email, securely email Customer Service, and more. 

Dont have a login? Register today. 
Through My Message Center, you will be able to send us a secure message with your questions and we will respond within 48 business hours. This feature offers the most secure channel for communication between you and Exeter Finance Corp . 

Or you can reach us by telephone at XXXX XXXX XXXX XXXX. Representatives are available Monday Thursday from 7 a.m. to 8 p.m., Friday from 7 a.m. to 7 p.m. and Saturday from 8 a.m. to 1 p.m. Central Time. 

We look forward to hearing from you! 

Sincerely, Customer Service Exeter Finance LLC. 
I don't have an account with these people and didn't authorize them to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
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:
I requested that the credit bureaus do a theral review of my credit files to be sure that everything was reported accordingly, they did but when I review my report by myself i find many inconsistencies. and the debt listed is not mine and can't be proven as they are fraud, I am a victim of fraud. Being aware of the fair provisions of the fair debt collection practices act ( FDCPA ) I'm requesting full validation. proof that I am the party responsible for the debt and that there is some contractual obligation which is binding on me to pay it. In accordance with the fair credit reporting act XXXX  account listed have been violating my rights 15. usc1681section 602A sec2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have been frauded I am a fraud victime

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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 information incorrect

Complaint:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of Inquiry XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
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:
MY COMPLAINTS ARE BEING DENIED AND CLOSED WHICH IS AGAINST THE LAW By the Laws that uphold deemed as FCRA ( Fair Credit Reporting Act ) /U.SC The Furnishers / Credit Reporting agencies of the following accounts XXXXXXXX ACCT # XXXX XXXX XXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXXXXXX ACCT # XXXX FRAUD/REMOVE XXXX XX/XX/2023 TransUnion FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 XXXX INQUIRY : XXXX XXXX XXXX XX/XX/2023 FRAUD/REMOVE XXXX XXXX XXXX XX/XX/2023 have violated my rights. according to 15 U.S.C 1681 Section 602 A States I have the right to privacy. also according to 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. along with the Fact that The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Being the fact I did. not solicit, authorize, or knew about these accounts nor their furnishing this goes against my immediate rights as a consumer as well as against the fairness respect and impartiality that the reporting agencies/ furnishers are to uphold. In aspects and reference to 604 - 15 U.S.C. 1681b Section A which states " consumer may report furnishing done. By the consumer in that this file was not done or in any way initiated by me deemed as fraud and shall be removed "

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