BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Last XX/XX/XXXX, i found some wrong details on my credit report. I immedaitely wrote to the credit bureaus to correct and have these items removed or upodated but until today, XX/XX/XXXX, these very same items are still on my account. It seems the credit bureaus have done nothing to address my request. 

I am writing to have the following items removed : XXXX : " XXXX XXXX XXXX '' Experian : " XXXX XXXX XXXX '' XXXX XXXX XXXX I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater; Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: CBC Companies, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Innovis Consumer Assistance XXXX XXXX XXXX XXXX, OH XXXX Subject : Request to Unfreeze Credit Report Dear Innovis Consumer Assistance, I hope this letter finds you well. I am writing to request the unfreezing of my credit report with Innovis. I had previously placed a freeze on my credit report for security reasons, but I now wish to lift the freeze to allow access to my credit information. 

Please find below the necessary details to process my request : Full Name : XXXX XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX # XXXX Previous Address ( if applicable ) : same as above Contact Phone Number : ( XXXX ) XXXX Email Address : XXXX I kindly request that you lift the freeze on my credit report with immediate effect to grant access to my credit information. I understand that this request is subject to the appropriate verification process to ensure the security of my personal information. 

If any further documentation or identification is required to complete this request, please inform me promptly. I am prepared to provide any additional information necessary to facilitate the unfreezing of my credit report. 

I would like to take this opportunity to remind you of the importance of protecting consumers ' personal information and complying with the provisions set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant regulations. I appreciate your dedication to safeguarding my credit information and ensuring the integrity of the credit reporting process. 

I kindly request written confirmation of the successful unfreezing of my credit report once the process has been completed. This confirmation can be sent to the address mentioned above or via email to the provided email address. 

Thank you for your prompt attention to this matter. I trust that you will handle my request efficiently and with the utmost professionalism. Should you have any questions or require any further information, please do not hesitate to contact me. 

I look forward to a swift resolution and the unfreezing of my credit report. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions Inc.
State: IL
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:
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, because they pulled my report as a soft pull, hard pull without my written or spoken permission. 
Account that pulled my report without permission : XXXX XXXX Account # XXXX Hard Pull : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Soft Pull : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX  XXXX Inquiry XXXX : XX/XX/XXXX and XX/XX/XXXX XXXXXXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date Inquiry Dates:XXXX and XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 15 U.S.C 1681 section 602 A : states that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 U.S.C 1681n ( A ) ( 1 ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.

I am entitled to a full {$1000.00} ( violation ) payment. Please process the payments as soon as possible and provide me with written confirmation through mail that the payment has been completed.

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 2021-06-22
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I purchased a new home XXXX, and the Mortgage is being carried by Guaranteed Rate- At closing I told team that I am a XXXX veteran, and I qualified for a tax exemption. I was told once the deed was recorded in my name the exemption could be processed. XXXX County has processed and approved the tax exemption and provided a letter of exemption ; stating that the property is tax exempt. I have contacted the mortgage several times and have been told they require more information, that that cant do a escrow review until XXXX and I would need to wait until the county issues a new tax bill in XXXX of XX/XX/XXXX, several phone calls and multiples answers, all except that when it processes " at least you can request a refund ''. 
I am not understanding how I am being told to disregard Illinois Statutes for XXXX veterans

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: The Best Service Co.,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: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2023-06-26
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Called UsAutoSales/Westlake XXXX XXXX because my vehicle needs repairs that is covered under my warranty. 
{$3500.00} Warranty amount included in my financing. Company said my warranty contract was void, and is refusing to deduct warranty amount from price or repair my vehicle

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 2015-07-14
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We transferred title on property encumbered with XXXX mortgage and note serviced by NationStar Mortgage , LLC. XX/XX/XXXX, on the same day the closing agent, title company paid off the mortgage balance.. 
On XX/XX/XXXX we requested in writing to NationStar a written and recorded proof of Release and Satisfaction of Mortgage, as of this date no response. Our credit reportswith XXXX credit bureaus show said mortgage balance unpaid. Escrow account not involved. 
We are attempting to correct our credit scores prior to purchasing another home. 
Also need written proof the mortgage is recorded as Released and Satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: Credit Control, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX of this year I received a collection letter from Credit Control , LLC and they provided the option to dispute the debt via email which I did. On XX/XX/XXXX I received 2 collection letters from XXXX XXXX. The first letter only mentions they will review my dispute on the second page and the second letter claims I must send the dispute in writing but in the initial collection letter it clearly says I can email which is what I did. I also requested not to be contacted and they sent 2 letters 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 2023-05-27
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My identity was stolen by a relative and I sent letters to collector, which they have not responded nor removed the negativity off my report which have damaged my character and kept me from getting loans in a time of need

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Auto Advantage Finance, LLC
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I purchased a car from XXXX XXXX XXXX in XX/XX/2022. The loan was financed through Auto Advantage Finance. I have contacted the financing company several times over the phone. I have been to their private customer service center in person and spoke face to face with account mgmt supervisor. I have followed their instructions for reporting issues and getting resolution by making a complaint online with their customer service department. They continue to tell me to contact XXXX and XXXX to make a dispute. I have done that as well and they told me that there is nothing that can be done about disputing an account that they have not received from the financing company. It has been 10 months and I have not been able to get any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 finally taking control of my credit and I noticed that there is an account on there that I do not recognize. Im in the process of trying to get my credit up and buy a home. this unknown account is hurting my credit. The account is XXXX, I do not know where this account came from and i am positive that this account is a result of identity theft. my information was comprimised in the data breach from XX/XX/2017. Someone is using my information to open up accounts. I have done a little but of research and I have read that when your a victim if identity theft, the account should be blocked within 3-5 business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-04
Company: LEXISNEXIS
State: MT
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 contacted the credit reporting companies through multiple dispute letters. I have contacted the creditor and each have blamed each other for not be able to correct errors in my Credit report. I have contacted XXXX, XXXX, XXXX, and Lexisnexis, with no results on removal of this account. I will attach a copy of a document from XXXX showing an account with my husband, a do not send anymore dispute letters, and a copy of the loan history from XXXX XXXX XXXX. The report document from XXXX shows that account number XXXX XXXX XXXX XXXX  was discharged through bankruptcy XX/XX/XXXX, This account for {$24000.00} was reaffirmed and paid in full ( 1st error ). The Payment History stops XX/XX/XXXX, If you will look at the loan history I have included you will see that the loan was paid through XX/XX/XXXX ( 2nd error ). 
While this loan covers 7 years the " Terms '' on the XXXX report show O ( 3rd error ). The " High balance '' and the " Recent balance '' are Not reported ( 4th and 5th error ). These errors from XXXX XXXX XXXX  are also in XXXX, XXXX, XXXX, and Lexisnexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX Balance : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$1700.00} ; XXXX XX/XX/XXXX ; XXXX 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 non-monetary relief
Consumer complaint received 2021-06-22
Company: AMERICAN EXPRESS COMPANY
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for an American Express Gold credit card on XX/XX/XXXX. I received a reply dated XX/XX/XXXX, indicating that I could not be approved because I " have too many new bank card accounts ''. 
The denial letter indicates that I can call American Express to ask them to override this decision. I contacted American Express on XX/XX/XXXX and they told me that I needed to contact them again in 30 days. I contacted them again on XX/XX/XXXX. 
On XX/XX/XXXX, I contacted American Express and was told that they can not override the decision. Instead I should contact the XXXX  Credit Agency, who makes the decision. 
On XX/XX/XXXX, I contacted the XXXX Credit Agency and was told that they can not override the decision. Instead, I should contact American Express who makes the decision. 
Based on my XXXX  Credit report, I have only 5 bank cards open. My XXXX  credit score is XXXX ( considered excellent ). 
My complaint is about this process of approving or denying a credit card application, and the ability ( none ) to talk to someone about the decision. 
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-27
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage company is Amerihome. 
Loan started XX/XX/XXXX and started paying more than I was supposed to into escrow account. {$2300.00} At the end of the first year I had an overage of {$2700.00}. 
I received my monthly statement in XXXX or XXXX of this year and my payment went up to {$2500.00} I was shocked and surprised by this and called them. They put a work order in and finished the research on XX/XX/XXXX. 
I was told that the check for {$2700.00} was mailed to me and cashed by me between XX/XX/XXXX and XXXX XXXX. That was why there was an increase to my monthly payment. 
I explained that this is impossible and never received anything in the mail, never cashed the check and checked all banking institutions. NO CHECK WAS EVER CASHED BY ME. 
I then asked for an image of front and back of the check, signature as well, but was told that was not part of the research they did. 
So I was told to put another work order in to request an image of the check with the understanding that they might not have it. 
I HAD MONEY FROM MY ESCROW BASICALLY STOLEN FROM ME AND DON'T KNOW WHAT RECOURSE I HAVE.

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 2022-07-25
Company: Specialized Loan Servicing Holdings LLC
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:
Back in 2019 my mortgage was sold from XXXX XXXX to Specialized Loan Servicing My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. SLS was useless not good customer service, never answered or helped. In fact I had to send in document XXXX times but by then my home was sold and I received notice of it oh about 3 weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are seniors. I have lost so much. Its so bad. Thanks SLS for all of your help. They love to put old ppl out on streets. we were 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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8200.00} XXXX XXXX {$3800.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief