BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 an item 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 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

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 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 have a car loan with XXXX XXXX in XXXX XXXX IA. This is reporting to XXXX but not showing on transunion. I have contacted both companies multiple times but they just keep bouncing me back and forth with no resolution. This has now been going on for a year since the account was opened. XXXX XXXX phone number is XXXX XXXX XXXX. 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 2023-06-12
Company: Westlake Services, LLC
State: AR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
I purchased my XXXX XXXX XXXX from American Car Center in XXXX XXXX XXXX, Arkansas. The date of purchase was XXXX XXXX. The amount to finance the vehicle was {$27000.00}. This vehicle was financed through the original lienholder American Financial. 

Unfortunately, American Car Center and American Financial " ABRUPTLY '' went bankrupt in XX/XX/2023. I received a call in XXXX from a Westlake Portfolio Management Representative stating, " They are the new lienholder handling my account now and all future payments should be forward to them ''. As a result of them purchasing my account for an undisclosed amount from American Financial, they decided to terminate my limited warranty and additional coverages in my original lease agreement in an email sent to me on XX/XX/XXXX. Since this occurred, I have sent them certified letters repeatedly requesting that they email me all original documents as proof that they own my account and the right to collect on it. They have REFUSED AND FAILED to provide me with all the original documents for my account with no response to my letters. In addition to the mental and emotional stress dealing with Westlake Financial Services, my vehicle was determined to be a " TOTAL LOSS '' by my insurance company due to the tornado damage it suffered on XX/XX/XXXX. With a " LETTER OF GUARANTEE '' from Westlake Financial Service, they agreed to a settlement with my insurance company for the cash value of the vehicle which allowed me to retain ownership of the vehicle. My insurance adjuster sent me a voice message on XX/XX/XXXX to confirm the settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
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:
XXXX XXXX - 1. Called credit to pay collection, XXXX  XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: SANTANDER HOLDINGS USA, INC.
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-03-02
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I served on the company a demand for validation of the debt they are reporting that I owe them ; company failed or refused to validate the debt and/or failed to investigate and the company continues to falsely/fraudulently report to the credit bureaus negative comments and/or remarks that injure me and drastically affect my credit score even after failing to validate the debt pursuant to law ( see demand for debt validation letter ( s ) included ), whereas the company is in default and their false reporting must be deleted from my credit report ; this company also violated the law when they canceled the associated credit card ( s ) without lawful authority and absent my consent. This/these lines of credit must be restored forthwith.

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 2022-02-28
Company: Consolidated Information Services Solutions, LLC
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: Their investigation did not fix an error on your report

Complaint:
According to the 15 U.S.C. 1681G Law Violation, The company Universal Credit Services XXXX XXXX XXXX XXXX XXXX, PA XXXX. Has been reporting on my credit which states that it is a closed account. This creditor has been reporting on, my account from XXXX XXXX. Please delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was away for a XXXX XXXX and came back to find out via email that Chase had reversed a temporary credit placed on my account. My drivers license was stolen on XX/XX/XXXX only for me to realize that someone had withdrawn {$2400.00} from my account via a third party website on XX/XX/XXXX. Chase reversed the temporary credit because the fraudster provided my ID ( still unsure how thats possible if Im not present ). The thing is, Chase always calls me and alerts me of transactions that take place over {$25.00} ( I have it set up via the alert center ) but I wasnt alerted this time around. This made me suspicious. Chase then reversed the funds due to the fraudster providing my stolen license electronically to the online company that they used which brought my account to a negative balance ( overdrawn ). Chase also told XXXX XXXX   that I filed a claim on 2 XXXX payments that came from my Chase bank account into my XXXX   XXXX XXXX account when in fact I had never filed a claim on them. I only filed a claim on the {$2400.00} payment that was fraudulently taken from my account via a third party. This new development caused XXXX XXXX to withhold {$2500.00} of my funds in my XXXX XXXX XXXX checking account. This is totally unfair as it has inconvenienced me a great deal, causing me to stop payments on my student loans, accrue interest, and has put a dent in my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Experian Information Solutions 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:
l 've repeating have send out numerous dispute letters requests. l 've done the theft identify copied letter and send out to all 3 major-credit reporting agencies. I have requested a fraud alert on my credit report. 
This are the inquiries that l 've requested to be remove. 
This are the following fraud inquiries : XXXX XXXX pull on 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 has block or suspended my login to dispute. l have made a copied of notice. Experian hasn't responded or remove the deleted accounts. XXXX has the same inquiries and still waiting on response.

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 2022-02-28
Company: Viking Client Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Viking Client Services ( VCS ) contacted me on XX/XX/XXXX for vehicle damages incurred on XX/XX/XXXX, three years after the fact. VCS requested " {$850.00} '' in reimbursement yet none of the supporting documents ( see attached ) indicated how or where the amount was derived from. 

Additionally, any vehicle with a current Florida registration must : be insured with PIP and PDL insurance at the time of vehicle registration. have a minimum of {$10000.00} in PIP AND a minimum of {$10000.00} in PDL. Vehicles registered as taxis must carry bodily injury liability ( BIL ) coverage of {$120000.00} per person, {$250000.00} per occurrence and {$50000.00} for ( PDL ) coverage. See Florida Statutes XXXX. The amount requested is covered within the required state policy. 

This is a nefarious attempt by VCS to extort unwarranted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: EQUIFAX, INC.
State: TX
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:
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a Capital One Customer for over 16 years. Over 16 years, I have never made a late payment and have been a loyal customer. I have requested several credit line increase requests. However, Capital One has purposefully used 60 to 90 day old credit bureau information to deny my requests ( see the attached screen shots ). I have called Capital One and was told they don't care and can't do anything about it. I made requests on XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX ( see attached screen shots ). Each time, Capital One used credit bureau information from XX/XX/XXXX ( 60-90 day old info ). My credit score was 100+ points higher on the dates of the credit line increase requests. However, Capital One purposefully used old information to deny my requests. 

I made another Credit line increase request on XX/XX/XXXX. Capital One declined my request this time and claimed a " payment was recently returned ''. I have been a loyal customer for 16 years. Furthermore, Capital One claims the payment I made was returned because the payment was made using a checking account with an incorrect account number. I have made 50 or more payments to Capital One in the past 12 months and have never had a payment returned. 

Capital One is discriminating against me for some reason and purposefully using old credit bureau information to deny requests and trumped up reasons of a " payment returned ''. Capital One is a horrible company for treating a 16+ years customer this way. Horrible, Horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX, I applied for my XXXXXXXX XXXX XXXXXXXX card because of the XXXX open card reward, after applying for the credit card online, I called the representative, and he confirmed that I would receive the XXXX K reward points in a few weeks. 

Fast forward to XX/XX/XXXX, I still didn't receive those reward points. In between XX/XX/XXXX to XX/XX/XXXX, I also called XXXX a few times to check the status of my reward points. They all told me i would get it in a few weeks. 

I called again in XX/XX/XXXX, but this time they told me there's no reward points for me. They didn't say why I couldn't get it! It was my XXXXXXXX XXXX card, I only had XXXX XXXX credit card before and i never miss payments, my credit score is great. After many phone calls and chats with them, I told them to listen to the previous phone call recordings, they finally told me i was getting those points in writing- in the chat. It was XXXX XXXX. 

Today, I still don't have it, I chatted with them again, but they told me I'm not getting my reward points. Out of all those credit card, I chose XXXX XXXX, and spent so much money on it. But they are dishonest, they lied to their customers, they have wasted so much of my time, I would never ever use another XXXX  credit card. I need my XXXX reward points, and I'm sure I'm not the only one who experienced this, hope this company get punished for doing that to their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Was not notified of investigation status or results

Complaint:
On XXXX/XXXX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten 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 2023-10-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I was in forbearance for the past year. I called my Loan Servicer up at the end of XXXX in hopes that they would put what I owed into the back of my mortgage. I was instead offered a modification which raised my interest rate from 4.75 % to 7.25 % and increasing my payment to almost {$500.00} per month. I always thought especially with FHA that there had to be a net tangible benefit to refi of modify a mortgage. I told them that I would take this as a last option because I didn't want to lose my home. I also applied for the HAF ERMA program that would bring me current with the same terms. 

I currently have an appeal in with the Loss Mitigation Dept to reverse the modification. There were time stamped recorded phone calls with the Loss Mitigation representatives that told me that they were going to escalate my request to cancel of the modification and was instructed to email them to stop the modification, which I did. I'm going to attach the letter that I sent to my loan servicer today which has the dates of my calls to them and what I was advised to do. These cancelation requests were made more than 3 weeks ago. I was informed at that time that it was not to late and that they would cancel the modification which shouldn't have gone through in the first place being that it was incomplete.

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 2023-05-08
Company: Experian Information Solutions Inc.
State: CA
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 not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see this account is removed from my account. It is fraudulent & is impacting my ability to gain credit. 

XXXX  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 2020-07-29
Company: AmeriHome Mortgage Company, 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 status incorrect

Complaint:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by XXXX points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.

Company response to consumer: Closed with explanation