BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-27
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
There were two major errors in servicing my loan. First error occured when my loan was modified about three years ago. I was left behind when the loan was not properly reconciled after the modification became complete. Then my loan was transferred to Bayview. They billed me incorrectly and then admitted they made a mistake. I have been fighting them now for a full three years trying to get them to correct their errors. They several times sent me back letters claiming they did not make an error. I hired an attorney to help me audit my loan and they found errors. After paying an attorney for over a year now, Bayview admits they made an error and they have now corrected their errors. They however, have not corrected the bad credit rating they gave me over the past 3 years. They stopped accepting payments from me many times due to these errors. They also took monies from Keep Your Home California in XX/XX/2001 and did not apply those funds until about two years later. Now my attorney has asked them for assistance in bringing my loan current and they will not call my attorney back. This game they play is not only unfair and is forcing me into foreclosure, but according to my attorney is illegal. RESPA Regulation X requires my servicer NOT to evade my requests for assistance. Bayview has evaded now for almost three years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$970.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: NY
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:
Experian has erroneous/ false payment records they claim i was a customer of XXXX XXXX XXXX  from XXXX. 
however the record only reflects 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 2021-05-06
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
went on XXXX  website for credit card offer XXXX with no interest 14 or 15 months free interest on balance transfers o yearly fees XXXX to XXXX variable interest based on credit worthiness applied and approved in a few minutes then on XXXX got citi bank info in mail about interest charges two days later got letter from citi bank saying during our routine monitoring, we discovered suspicious activity on a new citi XXXX  XXXX account in your name we need to confirm this is your account before any additional charges will be allowed call XXXX so i called on XXXX XXXX different times got hung up on after identifying my social number cell number secret question i ask for the girls name and how to spell her name she said XXXX and is from the XXXX. she put me on hold when i ask her what was going on what is suspicious? i have not got a card with an account number yet nor i cant activate something i have not relieved. then she put me on hold then hung up on me. i have tried several times with no avail. very discouraging when you get scammed on one of the credit reporting bureaus website.i have the mail the sent me and keeping it. i have reported this to the federal trade commission as well. Note : on the XXXX  website it shows citi checked my report but shows i owe more then i do exactly what i was approved {$5700.00} but it does not show what or where or how i owe the {$5700.00} at this pint so i can not dispute what is not there. going to call XXXX and have a talk with them see what they say on 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 2021-06-14
Company: Fidelity National Financial, Inc
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concern : I, XXXX XXXX am a homeowner in XXXX XXXX, California and recently discovered that I am a victim of identity theft. One or more thieves have used my identity to open accounts, steal my credit and place liens on my property. All these accounts were opened without my knowledge nor approval. I knew nothing about any of this until recent. As a result, several fraudulent involuntary judgement liens were placed on me and my home and after several months of requesting that the lien holders investigate and remove or provide me with documentation substantiating signed contracts, credit card statements, signed court notifications to appear, etc., they have not been able to provide anything. 

Also, I have made several requests in writing to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX that they investigate and remove those liens on my property title. To this day, the lien holders and title company have refused to respond and remove these liens from my title. This fraud has prevented me for closing several financial equity deals. Please notify all named parties listed below to discharge the fraudulent liens. 

Enclosed documents include : 1 ) Identity Theft letter to Chicago Title Company-XXXX identifying involuntary judgement liens. Approximate total {$42000.00} as of XX/XX/XXXX. 

2 ) Identity Theft letter to XXXX XXXX XXXX for lien Case No. XXXX. Approximate total {$11000.00} as of XX/XX/XXXX. 

3 ) Escrow lien letters from XXXX XXXX XXXX  for XXXXien Case No. XXXX & XXXX. Approximate total {$31000.00} XXXX XXXX + XXXX ) as of XX/XX/XXXX. 

Regards, XXXX XXXX___________________________ Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 disputed the inaccurate unverified accounts on the three major credit reporting companies ( XXXX, XXXX, Trans-Union ) XXXX deleted the accounts, but XXXX and Trans-Union are still reporting as verified. I have requested validation of the debts from the collection agencies ... .... 
XXXX XXXX XXXX {$930.00} and {$1500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2900.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$2700.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX {$1800.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX   {$520.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX {$1500.00} ( XX/XX/XXXX ) XXXX XXXX XXXX {$13000.00} ( XX/XX/XXXX ) XXXX XXXXXXXX XXXX XXXX {$7500.00} ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ) and each time they were unable to adequately verify 100 % accurate the accounts but XXXX and Trans-Union continues to state these accounts as verified and accurate after multiple rounds of disputes on the following dates ( XX/XX/XXXX ) ( XX/XX/XXXX ) ( XX/XX/XXXX ). 
Again XXXX has deemed the accounts as unverified and has deleted them as of ( XX/XX/XXXX ). How is XXXX and Trans-Union able to verify them?

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 2022-09-14
Company: Genesis FS Card Services, 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:
I have called the lender XXXX XXXX several times and the telephone number associated with the lender is not valid. I have mailed the lender a letter requesting to find out who they are and why are ( 3 ) separate inquiries from them listed on my credit report. I never received a reply from the lender regarding my inquiry. So at this point I would like to have this lender removed from my credit report. I have no recollection of ever applying for credit. And the information listed for them is not accurate nor current

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Experian credit is reporting that I have a chapter XXXX bankruptcy currently. This I incorrect! I do not have a chapter XXXX bankruptcy. I have called them, I have written several correspondences. I have file 4 times to dispute the inaccurate information. I have attached official court records that prove I do not have a chapter XXXX bankruptcy and they will not remove it. 

Each time I am told it is accurate although I have the proof in writing. I have chapter XXXX and there is a substantial difference. I just want then to update the accurate inforntaion and they are refusing to do so.

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 2023-04-13
Company: EQUIFAX, INC.
State: IL
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 received my credit reports today and worried to see that so many negative accounts are reporting on my credit report. I tried to contact XXXX, XXXX and Equifax through disputes to investigate my disputed accounts which are wrongly reporting on my credit report but they did not investigated well, neither they send me back investigation results. i am requesting through your portal to please forward my disputes to them as ask them to start their investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
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: Information belongs to someone else

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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX, XX/XX/2022 XXXX XXXX XXXX account XXXX reported wrongfully actions in collection that is not mine of the amount {$1400.00}. Please removed this account off my credit report under : They are also the violated my rights under 15 U.S.C 1681 Section 604 A Section XXXX : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes. 

They are also the violated my rights under 15 U.S.C 1681 Section 611 ( XXXX ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer

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 2022-09-14
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: Reporting company used your report improperly

Complaint:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - In accordance with the fair credit reporting act XXXX Account # 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.

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 2022-04-28
Company: EQUIFAX, 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: Account information incorrect

Complaint:
While reviewing my credit report, I notice a few discrepancies and inaccurate information being reported on my XXXX XXXX 1. The account type on XXXX and XXXX shows an Auto Loan but on Equifax it appears to be blank. 
2. The open date for XXXX and Equifax shows XX/XX/XXXX but XXXX shows XX/XX/XXXX. 
3. The balance on XXXX and Equifax shows {$9.00} but XXXX show {$0.00} XXXX. The day active date for XXXX was XX/XX/XXXX, Equifax XX/XX/XXXX, and XXXX XX/XX/XXXX. 
5. The last payment date for XXXX shows XX/XX/XXXX, XXXX XX/XX/XXXX and Equifax- XX/XX/XXXX. 
6. The report date for XXXX is XX/XX/XXXX, XXXX XX/XX/XXXX, Equifax XX/XX/XXXX. 

You are furnishing inaccurate information to my consumer report. 


You are in clear violation under 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: EQUIFAX, 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:
I am a natural person, i am a living human being, i have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of time. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not gibe Equifax written permission to furnish these accounts. 

Accounts Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of EDXXXX XXXX Dept of ED/ XXXX Dept of ED/ XXXX Dept of EDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XXXX XX/XX/XXXX I received a threatening letter from USAA Federal Savings Bank in reference to loan # XXXX. The body of the letter indicated that my " hazard insurance '' had expired. The threat came in the sentence " Because hazard insurance is required on your property, we plan to buy insurance for your property. YOU MUST REIMBURSE US FOR ANY PERIOD DURING WHICH THE INSURANCE WE BUYIS IN EFFECT BUT YOU DO NOT HAVE INSURANCE. THE INSURANCE WE BUY WILL BE SIGNIFICANTLY MORE EXPENSIVE THAN INSURANCE YOU CAN BUY YOURSELF. 

The issue is that I do have insurance for my house through USAA. The letter itself is deceptive in claiming that I need Hazard Insurance. From the National Homeowners Insurance Organization -- The reason hazard insurance is a common term is actually because of lenders. Your mortgage provider may require hazard insurance at minimum before they will issue you a loan, because that is the only portion of the homeowners insurance policy related to the structure of your house itself. This may create the misconception that you can buy hazard coverage separately from homeowners insurance, which is a lie. If your lender has specified that you need hazard or dwelling coverage, just know that buying a homeowners policy will satisfy their requirements. 

This current complaint is in conjunction with my previous complaint filed against USAA/Nationstar last year XXXX originally filed XXXX XX/XX/XXXX. XXXXUSAA 's incompetence led to un needed frustration. The outcome of the incident reflected that neither USAA/XXXX were being honest and that : My property taxes were paid by me and not XXXX/USAA ( even though they claimed they paid for the property taxes in XXXX ). 
The entire amount of my escrow was to be refunded to me immediately. 

It is my impression that since XXXXUSAA had been thoroughly in the wrong and called out, they are once again trying to intimidate me. My insurance carrier for my house IS USAA. They have no grounds for their claim I do not have insurance on my home and sending me a threatening letter. 

The website they provided so I could update my information www.mycoverageinfo.com/usaa, does not work. I hae attached all pertinent documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT 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 of 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
Consumer complaint received 2022-09-14
Company: Experian Information Solutions 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:
I purchased a vanity from XXXX XXXX on the credit card in XX/XX/2021. I ended up returning the vanity. I got billed a XXXX $ balance so I called to see what it was and they said I was charged a late fee and they would take it off. I was told my balance was XXXX XXXX The next month I was charged a late fee again. I called and they said it was a mistake and they would take it off. This continued to happen every month. In XXXX i closed the account in hopes the late fees would stop accruing but it didn't work. Every month I called and XXXX XXXX would tell me it was a mistake and they would take it off and the next month I would get charged a {$29.00} late fee. When I called in XXXX I was begging the representative to let me talk to someone that could help me because merely just removing it every month wasn't working. She finally figured out that every month I was charged a XXXX $ late fee I was also charged a {$2.00} interest fee that the other representatives were not removing. She promised me this would work. In XXXX i got a balance of {$25.00} which I was unsure of where that amount came from but it was low enough that I just paid it in frustration because I was tired of calling. That finally worked and I stopped getting fees. My XXXX XXXX dropped over XXXX points over this and I disputed it online but nothing changed.

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