BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-13
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Boeing Employee 's Credit Union ( BECU ) mortgages are serviced by a third party. I have received 3 letters in the last two weeks that are criss-crossing. The mortgage servicer 's are not local and it appears to take about 2 weeks for a letter to reach it's destination. The local BECU office can not help me. On advice of BECU I closed a checking account and opened a new one because of fraud. My mortgage wasn't switched over and no one explained to me that BECU does not work with the mortgage servicer nor do they have the ability to see anything about my mortgage. I was not told that it was incumbent on me to do anything. I had one {$25.00} NSF fee returned already and I am demanding that the 2nd NSF fee be returned as well. I called on XX/XX/XXXX ( the same day I received the XX/XX/XXXX letter ) and made a mortgage payment by phone. No one said anything about a letter being mailed on XX/XX/XXXX and a second NSF charge. I usually pay 1/2 my mortgage every two weeks. Now I have made two full mortgage payments on XXXX and XX/XX/10. The XX/XX/XXXX letter I received today, XX/XX/XXXX, say my next payment is due XX/XX/XXXX. 

The mortgage servicer 's service is abysmal. Menu navigation is long and hold times are ridiculous ( 30-50 minutes ). Their hours are not printed on the letters and after going through a very long menu I was told they were closed with no comment about when they would be open. If I do not get the {$50.00} NSF fee returned I will be submitting another complaint. Fortunately I can afford 3 mortgage payments in one month but I'm sure it would be a struggle for most people. I had paperwork I needed to return to initiate the automatic withdrawals again. After 5 attempts at faxing and the number being busy ever time I sent the paperwork via next day mail ( another XXXX fee ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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: Avant Holding Company, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2022 I opened a credit card account with Avant with terms advertised as {$1500.00} limits. I agreed to and opened the account with Avant doing a hard check on my credit. On XX/XX/2022, Avant reduced my credit limit to {$300.00}. Less than 3 months after opening my account, without cause or any changes to my income, employment, or enough time for Avant to evaluate my spending habits, my credit limit was reduced by 80 percent. 
I believe Avant is practicing misleading advertising to entice consumers to sign up for their credit cards, causing hard inquiry on consumer 's credit reports, and after sign up reduce consumer 's credit line to mitigate their risks. 
Avant did not state anywhere on their mailer nor their credit card agreement with me that they will reduce my credit limit after less than 3 months. Had I known this, I would not have sign up for their credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: PA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Continental Finance Company, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX {$540.00},, XXXX XXXX XXXX XXXX XXXXXXXX, CONTINENTAL FIN CO. # XXXXXXXX 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 XXXXXXXX, these were settled years ago but change and sold to several other companies. Delete ASAP

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 2020-05-16
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/2020, a collections account was paid in full/closed. It is my understanding that the credit bureaus have between 30-45 days to remove the derogatory information from my report. On or about XX/XX/2020, both XXXX and XXXX  had removed the derogatory information. As of yesterday, XX/XX/2020 ( day 45 ), Experian has still not removed the derogatory 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 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: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted XXXX XXXX XXXX  several times via mail and through the Consumer Finance and the company does not provide the proof and the investigation needed to have this fraudulent account posted to my credit report on all credit reporting agencies. I have sent letters on dates of XX/XX/2022, XX/XX/2022, and XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
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: Information belongs to someone else

Complaint:
i am a victim of identity theft. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
There is an ERROR on my account On XX/XX/2017 we were informed about a program that we thought was to help homeowners recover from hurricane and storm expenses. As we were told for this program we were to stop payments for a year. It was our understanding that the amount accumulated for that year would then be extended and added on to the balance due on our home. Nowhere did Seterus alert us that we had to pay this money upfron. Now we are struggling to make payments and no payment plan has been offered to us. During the program, some payments were made but meanwhile, we are thinking that funds sent for the mortgage were being put towards the capital and it wasn't. During the end of the program, we paid XXXX come to find out we have to pay the rest in one payment. We never received any information notifying us on these terms and now we are being threatened with foreclosure. Please respond accordingly. 
Thank you

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 2023-03-03
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:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX DELAWARE # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX, XXXX XXXX # XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
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:
The mortgage servicing company, XXXX XXXX or LakeviewLoan Servicing LLC is fraudulently reporting to all credit reporting agencies that there were 120 days of late mortgage payment in 2020, for our former residence in XXXX which is false. 

XXXX XXXX XXXX, as they state is a nationally recognized in full-service sub-servicing to the mortgage industry. They claim to be the XXXX largest servicer in the country. 

The XXXX  Mortgage was held and serviced by Lakeviewloan servicing inc. which is the arm of loan servicing, for XXXX XXXX. 

After numerous attempts to contact both Lakeviewloan servicing and XXXX XXXX have been unable too resolve this major issue so that the records may be corrected. and removed from all credit reports. 

Unfortunately both companies have structured themselves to redirect all incoming calls to recorded message 's that will only attempt to redirect those calls away from a real customer person that can not be reached by phone.. As a direct result of their action we have been denied credit, significantly harmed solely based upon this disputed information being reported to all credit agencies. 

Only after we have been trying to refinance our current mortgage here in XXXX  have we learned to the false information and have XXXX  and have been solely upon the basis of those disputed mortgage payment 's being late within 2020.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/XXXX I sent a Cease & Desist letter to XXXX XXXX ( CFPB Complaint number XXXX ) XXXX XXXX agreed to stop ALL Communication with me. I checked my reports and XXXX XXXX is still communication with me through a ( medium ) which pursuant to 15 usc 1692a the term Communication means the conveying of information regarding a debt directly or indirectly to any person through medium. *This includes but is not limited to telephone calls, emails, social media, or any Consumer Report Agency.

15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

I notified XXXX XXXX to hopeful get this error corrected. The lady was verbally abusive and stated they she didn't have to stop reporting the account because it's not communication ( Ignoring my constitutional rights ) granted to me under FDCPA Since this account is still reflection on my credit report XXXX XXXX is openly and violating my consumer rights.15 U.S. Code 1692c ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

My livelihood and PRIVACY have been infringed upon. XXXX XXXX has displayed Defamation of character and ruined my reputations with living and bank relationships. 

In the attachments you will find reference from XXXX  : XXXX to back up my claim and also indicate that XXXX XXXX has violated my constitutional rights granted to me as a Natural Person & 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 explanation
Consumer complaint received 2021-06-14
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
On XX/XX/XXXX XXXX XXXX and I, entered into an auto loan with Santander Consumer USA. Neither of us had good credit, or stable income. The amount financed by Santander Consumer USA was {$37000.00}. The annual interest rate was set at XXXX XXXX. 

At present we have been paying on this auto loan for 41+ months, with the principal being reduced by just {$6900.00}. The outstanding balance after 41 months of payments is {$30000.00}. 

Santander Consumer USA was recently the defendant of a multi-state class action suit. Santander Consumer USA profited by approving high-cost loans to disadvantaged auto buyers who were doomed from the start. Santander Consumer USA was ordered to pay {$65.00} million in restitution to be divided amongst the 33 states and the District of Columbia. 

We strongly believe that our account with Santander Consumer USA is eligible for debt cancellation under the class action settlement that was announced on XX/XX/XXXX. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
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:
This is an error. It does not belong to me. XXXX XXXX XXXX Closed : XXXX XXXX, 2017 I promise it does not belong 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 2017-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is an error. It does not belong to me. XXXX XXXX In Opened XXXX XXXX, 2016 It has already been removed from the other 2. I promise it does not belong 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 2023-04-16
Company: EQUIFAX, INC.
State: IL
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 paid my balance off on XX/XX/XXXX amount {$470.00} for XXXX XXXX XXXX and it's not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The paypal locked my account for no reason. I have around XXXX on it, and I can't access it. I sent them many messages, but they did not answer. Due to this I would like to get a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: EQUIFAX, INC.
State: OH
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:
The following accounts listed below are fraudulent accounts and doesn't belong to me.They are in violation of FDCPA 805/806/809 and the accounts need to be deleted from my credit report : XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX  # XXXXXXXX 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 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
FRCA Violation credit card CAPITAL ONE XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX FRCA Violation enquiries XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards InquirXXXX XXXX XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date XXXX XXXX XXXX, XXXX Removal date : May 2022 700 XXXX XXXXXXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date XXXX XXXX XXXX, XXXX Removal date : XX/XX/XXXX FRCA Violation address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan transferred to Carrington Mortgage Services on XX/XX/XXXX. I have had problems ever since. On XX/XX/XXXX I went to the Carrington website to schedule a mortgage payment. I inadvertently scheduled this payment on the wrong checking account. I have several problems with the system they use to collect payments. 1 there is no option to verify your payment before you complete the transaction. You put the checking account info in and boom the payment is complete. After noting my error, i.e. scheduling a payment on the wrong account ( the account with no money in it ) I called Carrington to inquire on how to delete a payment. The customer service rep told me there was no option on the website to delete a payment. I then explained the situation to the rep. She placed me on hold for two minutes then returned to the call and advised me there was no way to delete the payment. The payment was gone from the system and on its way to my bank. I explained to her I set the payment up five minutes again. She replied and told me the draft ever hour and there was nothing she could do. I told her the payment would over draft this account and cause NSF fees. Please delete the payment she transferred me to a Sr Customer Service Rep of XXXX. I explained the aforementioned sinaro to XXXX and asked her to please delete the payment. She told me the payment was gone and call my bank to place a stop payment on the bank. I told her I did not want a {$50.00}. stop payment fee. She told me that my only option then hung up. These types of servicers using these types of systems create a hardship on consumers. There should never be a situation where you can not correct a mistake. This payment processing software or company is using punitive practices on their mortgage customers. These types of process and practices create an undue hardship on its borrowers. Now Im faced with NSF fees because of how Carrington choose to process payments. I want them to cover my NSF fee and fix their software and allow customers the option to edit or delete and redraft a payment as to not create a hardship on the borrower. Also my bank told me the payment was an EFT and not a check. Its more difficult to place a stop payment on a EFT. This is horrible and must be corrected asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting 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 attached 2 FTC reports with fraudulent 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