BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-28
Company: EQUIFAX, 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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these accounts ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in 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 non-monetary relief
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'M HAVING ISSUES GETTING THIS ITEM REMOVED FROM MY CREDIT REPORT

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 2019-04-24
Company: SUN LOAN COMPANY INC.
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Sun Loan company in XXXX MO has violated my right to privacy of debt on multiple occasions. The first time an employee named XXXX XXXX informed my employees & other people who are known by me that I had a loan through them. I notified the company immediately & they stated what she did was a violation of my rights to confidentiality mid XXXX. Now the current employees have notified my direct subordinates again XX/XX/XXXX, contacting references asking them about my bankruptcy information most recently XX/XX/XXXX @ XXXX, asking what do we have going on ( even though I am the only person on the loan ) and stating that they can help me with the debt. My references were not authorized by their contract to know information about my loan/debt. I have had 5 references contact me and quote the same statements made by employees at XXXX XXXX. This is a violation of my right to confidentiality.

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 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Hello, I have a mortgage loan serviced by Lakeview Loan Servicing , LLC. Lakeview has made it impossible to service my loan or talk to any representative to make a payment as of XX/XX/23. Their website is a complete disaster and will not allow any payments to be processed and their customer service phone number continues to disconnect when calling. Their website has deleted all of my payment account information. I have no way to make a payment on my loan or receive confirmation that payment was made or confirmed.

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 2023-11-22
Company: EQUIFAX, INC.
State: MI
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:
On or around XXXX XX/XX/XXXXXXXX  I filed CFPB complaint XXXX. XXXX closed the complaint alleging it was a duplicate of CFPB complaint XXXX. I have filed disputes with both Equifax and XXXX to fix errors for the account/tradeline. XXXX alleges the account was charged-off. The CO annotations can only exist with respect to an accurate Date of First Delinquency ( DoFD ). According to XXXX data, the alleged CO status and monthly " CO '' derogatory indicators for this acct/trade begin XX/XX/XXXX. Yet documents generated by XXXX 's own system allege the CO took place in XXXX XXXX. What's more XXXX alleges the CO too place in XX/XX/XXXX. XXXX and Equifax data exhibit similar anomalies for the account/tradeline. Clearly there is a discrency between the dates XXXX alleges the balance for the account was changed to loss. XXXX, Equifax, and XXXX need to prove the DoFD was within the 150 days immediately prior to the CO date they are reporting the first CO annotation, or remove any and all derogatory CO markings they are reporting for the payment history with status codes, and remove any charge-off narratives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I was depositing my XXXX  to cash app and cash app randomly closed my account now my XXXX says pending while my account is closed. They're not giving it back

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Cottonwood Financial Ltd.
State: TX
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:
There is a collection agency by the name of XXXX XXXX XXXX who is reporting a debt to my credit reporting stating you as the original creditor. I don't remember ever having an account with XXXX  XXXX XXXX with the balance reporting or an account at all. My information was compromised in a data breach so please submit documentation of the agreement between your company and myself. Please send the correspondence sent to me notifying me that I had an account that was being sold to XXXX XXXX XXXX Also, include the price that the debt collector purchased the debt. If you are unable to provide the requested information, please have the collection agency remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I 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 30 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 explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later, I have not received a response yet. I 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 30 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 equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
from XX/XX/XXXX XXXX to XX/XX/XXXX I have been making payments to USAA at 15 % interest I did not know that military max interest reate was 6 % for all XXXX XXXX. 
I applied for a loan with usaa in XX/XX/XXXX they set it up in the amount of 15 % interest. 
I am XXXX XXXX I qualified for the 6 % interest rate at the time the loan was approved because of my XXXX XXXX status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Account status incorrect

Complaint:
On some accounts its showing that I had a late payment one month ago but the account have not been late in over a year and this one month reporting is dragging my scores down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: MN
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 have previously disputed with XXXX, experian and XXXX on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XX/XX/XXXX, I have tried to access my credit report online. When I try going through the verification process, Im presented with a number of questions that does not apply to me. After answering the questions and imputing the correct answers from my credit report, Im told the information that Id enter doesnt match the record Equifax has on file for me. This problem is only with Equifax. I contacted Equifax and they told me the computer only generate questions thats on my credit file. I explained to them that, thats impossible because none of them applied to me or my credit file. They offered to send out a free credit report to help me answer the questions in the future, for when I try again. I received the report and tried again in XX/XX/XXXX. When trying to verify my identity through Equifax, Im told it doesnt match their records. Despite me going by exactly whats on my credit report they sent. I contacted Equifax and was told they will send out a new report because the information may have changed. I received the new report that had the same exact information as the first report. I contacted Equifax once again in XX/XX/XXXX. I was told they are not able to do anything about it because the computer is the one that generates the questions. I repeated the same process in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX with no solution or any corrections. There is inaccurate information on my credit report that Im not able to dispute because I dont have any access and the computer generates questions that does NOT apply to me nor my credit file, AT ALL!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Westlake Services, LLC
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Electronic bill pay cleared my XXXXk XXXX XXXX account for {$8900.00} to Westlake Financial Services on XX/XX/2022. Westlake is unable to locate that payment despite 2 proof of payment submissions from XXXX to Westlake via FAX. Westlake finally acknowledged receipt of the FAX, but they continually cite the inability to trace that payment on XX/XX/2022. Most of my phone calls end up with Westlake disconnecting me after several minutes on hold or many futile attempts to reach a supervisor. I did speak to a supervisor XX/XX/XXXX and she told me to call back on XX/XX/XXXX ; the supervisor was not working XX/XX/XXXX. 
The XXXX payment was an early payoff but I have since had to make my XXXX payment so I would not be lenalizedfor late payment as Westlake said they may not waive any any late fees while waiting for their " investigation '' into the lost electronic transfer. 
Account number is 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 2022-09-06
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My bank called, needless to say it was not my bank.They said someone was trying to use XXXX to get my money and they had to close them and I did what they said. So they got my money. {$3500.00}. I've never have used anything like this.

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 2023-10-25
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Sunday night I discovered someone was trying to deposit a electronic check my checking account at my bank and me and my bank also discovered other transactions that wasn't my doings and we filed fraud on the but however I am over my head in debt because someone has stolen my identity and my account information and and I have XXXX payday loans I can afford cover them and this problem at bank with identity theft and so I am {$7000.00} over my head in debt because identity theft scammers and hackers and thieves and credit bureau has my credit history all mess up where I can not consolidate my debts with a loan by letting these hackers and scammers use my identity to gain credit or do hard pulls and XXXX XXXX they are a liar I paid them every time each time on time but however I couldn't be at XXXX XXXX in 2023 I lived here in XXXX  Missouri then so please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
NCB This all started out with XXXX XXXX and the class action Settlement for predatory lending with multiple States earlier last year XXXX within this settlement, it states that XXXX agreed to relieve loans and help repair the credit individuals affected by their predatory landing practices. This was a auto loan placed between XX/XX/XXXX through XX/XX/XXXX On XXXX XXXX the debt was sold to NCB Management Services. In any normal situation, this wouldn't be a problem. But because of the Predatory lending settlement, this debt should have never been sold or transferred to any collection agency, or debt buyer. This is in direct violation of the terms of the settlement which is to " help repair the credit of individuals affected by their predatory lending practices. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: NBT BANCORP INC.
State: NH
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:
NBT has been a terrible experience throughout the term of my loan. Between a faulty XXXX system that randomly cancels itself and charges you a late fee and puts a late payment on your credit, and rude customer service, I regretted going with this company from the start. 

When my vehicle was totaled by an XXXX XXXX, my XXXX XXXX included coverage for the remaining balance of the loan and any other outstanding fees. 

NBT is now claiming that I still owe over XXXX and has made this a charge off on my credit. I have tried to solve this with the company by telling them my XXXX XXXX was willing to pay for it, to which they reply that they wont cooperate with the insurance. 

This bank has single-handedly ruined my chances at getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My name is XXXX XXXX and I have been a victim of XXXX XXXX There are accounts on my credit report that is wrong and that was not opened by me. My credit information was stolen and someone took my social security card and personal information and opened up accounts. 

My social security number is XXXX. 
My date of birth is XX/XX/1987 I want to dispute all information on my credit reports.

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 2023-01-16
Company: SCA Collections, 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: Reporting company used your report improperly

Complaint:
Notice to Intent to SCA Collections, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, FCRA AND HIPPA laws were violated. That fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.

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 2021-01-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1666B Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 
15 USC 1681 Section 602 : States that I have a right to privacy.

15 USC 1681 Section 604 A section 2 : A consumer reporting agency can not furnish an 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 explanation