BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-03
Company: LoanCare, LLC
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold to XXXX XXXX  on XX/XX/2018. I am currently in bankruptcy but am keeping the property, clearly stated in all paperwork. I have made on time payments throughout ( to my previous mortgage lender XXXX XXXX XXXX ). I was told by XXXX XXXX, because of active bankruptcy, I needed to pay by check, money order, or my banks bill pay. I made a payment through XXXX XXXX electronic bill pay ( not a check but an electronic payment i. e. A debit payment ). XXXX XXXX, by default, sent the payment to Loan Care Servicing Center, as they used to be an associate of XXXX XXXX. Someone from LoanCare accepted my payment. It has not been posted to XXXX XXXX, it has not been returned to my account and LoanCare knows nothing. Ive been told by 2 different workers that loan care works for XXXX until today I was told they do not. But because I do not have a loan with Loan Care they cant find my money. I am now late on my first payment with XXXX with no solution in sight. I have {$1800.00} floating around somewhere that no one can find. Loan Care Servicing Center is who has taken my money with no return.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: TX
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2022-07-06
Company: EQUIFAX, INC.
State: MS
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 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 2020-02-20
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
There's a negative listing on my credit report for {$1800.00}, which I disputed and it was listed as verified without providing me a copy of a contract signed or any supporting documents. This account is not mine and should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Caliber Home Loans, Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is the servicer of the loan. I sent my XXXX XXXX payment to Caliber Home Loans, the previous lender, because I wasn't aware the loan had been transferred. The new lender claimed non receipt of these funds from previous lender. As a result, I supplied the new lender with proof of payment, as well proof and date the check was cashed by former lender, in the hopes that my payment would be applied correctly. Nevertheless, the new lender insisted upon payment of the already paid funds and, by the time I sent a duplicative payment to the new lender, proceedings to pre-foreclose had been initiated by the new lender, my duplicate payment was sent back to me, and I was being requested to pay 3 months mortgage to avoid foreclosure. I did make the payments and my account became current by the end of XX/XX/XXXX. I did not get my duplicate payment returned to me by the former lender nor has it been applied to current loan. I nevertheless submitted my mtg. payment for XXXX XXXX via, certified funds and overnight express mail on XXXX, XXXX. USPS confirmed delivery was made on XXXX XXXX, XXXX to XXXX XXXX but my account has not been credited for this payment. Additionally, a late charge for XXXX XXXX mtg. was assessed by XXXX XXXX who claimed they didn't receive the XXXX mtg. payment. Thank you for your assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been unsuccessfully trying to contact a human person at thiscompany for over two weeks. I have also put numerous requests thru the online system which also went unanswered. My concern is with my mortgage payment and I need verification that we will not be charged any fees for late payments. 

On XX/XX/XXXX, I mailed check number # XXXX to the company. This was for the Escrow shortage of the year. The check was for {$330.00}. As of today, this check has still not been cashed or processed. Secondly, on XX/XX/XXXX, I mailed in our monthly mortgage payment in the amount of {$2400.00}. This was check number # XXXX. 

After trying to get thru to this company and not being able to, I placed a stop payment on the check # XXXX and paid a {$30.00} fee with my bank to get this accomplished. I then completed a onetime payment on the website of {$2500.00} on XX/XX/XXXX so that our monthly payment would be covered, and we would not get a late fee. 

I then got notification that the check # XXXX has cashed! You can imagine my annoyance when this cleared. This check was returned, and I was charged a fee. 

At this time, the check for the shortage of {$330.00} has also been returned and we have a late fee on the account.

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 2023-09-21
Company: EQUIFAX, INC.
State: CA
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:
Someone used my social security number to try to apply for credit. 

XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I'm not swayed that Transunion Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

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 2023-09-21
Company: EQUIFAX, INC.
State: NE
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have a credit card that is owned by my ex-husband and I am secondary on the account. As part of our divorce decree, he is responsible for any debt incurred after XX/XX/2017. Since that time, I have contacted USAA Federal Savings Bank multiple times to request that my name be removed from the account, with no success or explaination as to why this is not possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Telsa Motors Inc
State: MD
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I applied for an auto lease/financing through Tesla at their dealership in XXXX, MD. 
Days later, I learned that the loan was denied. 
When asked for reason for denial, I was given limited information, specifically that I had an insufficient credit history. 
However, I have impeccable credit ; an XXXX credit score. I have paid off 7 car loans in the past 8 years, paid a $ XXXX house off in 2019, and currently own a home which is mortgaged. In addition I have multiple credit cards with limits ranging from {$2000.00} - {$20000.00}, all of which have a low balance, as they are paid in full prior to the end of each month. 
I sent multiple emails requesting more information as to why I was denied. I was never given a response, nor a written explanation as to why. 
After voicing my concern on multiple occasions, I was told they would approve my loan. The terms presented were outrageous. They requested a $ XXXX down-payment on a 36 month lease. 
I have never been requested to make a down-payment on a lease due to my exceptional credit. Their out-ofpocket requirement nearly covered the entire lease obligation. 
I decided to request a loan elsewhere. I was approved immediately, with the lowest interest rate they offer. 
This proves Tesla 's denial for financing, and outrageous leasing terms to be unjust.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts that are still reporting on my report : ( XXXX XXXX XXXX, XXXX CARD XXXX, XXXX CARD XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: Santander Consumer USA 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:
Santander Consumer USA at XXXX XXXX XXXX, Forth Worth, TX XXXX or XXXX Hello, I am reaching out to complain on Santander for their not of response and reporting. I have done everything and followed every step on removing false accounts that are reporting and still have not heard anything from the bureaus XXXX XXXX XXXX XXXX and Santander Consumer USA. It has passed the 30 days multiple times and at this point, and nothing has not been resolved. They keep reporting accounts that do not belong to me XXXX  Deleted the account. I have mailed several certified letters & signature return receipts, that are dated, that have everything listed in detail, that have everything required and they still done anything to remove them. I am very frustrated at the point and need to get these accounts removed as soon as possible. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

i have sent santander consumer certified mail requesting information reguarding an negative item on my credit report, asking them to validated it bearing my signature starting on XX/XX/XXXX - XX/XX/XXXX. With no response in the the 30 days time period allowed by the FCRA, they have violated and the negative account should be deleted. delivery confirmation will be Included.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: EQUIFAX, INC.
State: GA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 
I XXXX XXXX recently received a copy of my consumer reports ( XXXX, XXXX, Equifix ) and I noticed some late payments posted on my consumer report. This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment.. 
Accounts XXXX  XXXX XXXX  -Account # XXXX ( Month Showing Late XX/XX/2022 )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Kriya Capital, LLC
State: AR
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call from a debt collector on my cell phone around mid XXXX I know it was before XX/XX/XXXX. I dont remember his name, but he was very rude and stated that I did owe the debt. I didnt even know who he was he just said he was calling from XXXX  XXXX XXXX XXXX I told him that wasnt my debt. He said he will send me a letter in the mail. I received the letter on XX/XX/2023 and I wrote them a validation letter. I wanted them to include verification that the debt was mine. I requested a verification of the debt or a copy of a judgment against the me and a written statement by mail upon my written request within a 30 day period, complete payment history, agreement that has my signature, letter of sale or assignment from the original creditor to the debt collector, and intimate knowledge of the debt by the debt collection agency. I included the letter below. I received and email XX/XX/2023 that the debt collector was letting XXXX XXXX XXXX know that I was disputing the debt and they will let me know when they have further information. 
Okay, here it is today, Monday, XX/XX/2023, I receive a letter dated XX/XX/2023 just stating the dispute was received on my account and it was investigated and verified that the alleged debt was mine. I did not receive anything I ask for in my emailed letter that. Also they did not respond to me within the 30-day period. They did not send me any proof or verifications the alleged debt was mine. Also wasnt I suppose to receive the letter first before I received a debt collection call? I have provided the letter I have received today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-20
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
They froze my bank account without any notification. I attempted to set up a payment arrangement and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-09-20
Company: EQUIFAX, INC.
State: PA
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:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debtor alleging that i owe a debt and not receiving any benefits

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-03
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a remark that effected my credit very badly, I have had a someone use my social and other id to co sign for their own use with out my consent, and I really want that off my report I'm only XXXX years old and I'm new to the credit world I really don't want this to affect me and my future. I have another account that I opened which my payment history is 100 %.

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 2021-06-03
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am in forbearance with my federal student loans and my mortgage company based in not having a job because of Covid restrictions. 

Now that Covid restrictions are easing up I have a part time job and I have interviews for full time jobs. Three of the full time jobs I've applied for will be doing background clearances which include looking into my credit reports. 

I have been on forbearance with both Carrington Mortgage and XXXX student loans. Both are reporting me to the credit bureau as default. My credit report went from a XXXX down to a XXXX. I'm in default even though I have been and currently still am on forbearance. 

This issue is going to prevent me from receiving a clearance. I know this because I previously did background clearances for the federal government. 

Can you please assist me in how to fix this issue? 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a {$500.00} loan and ended up paying over {$1000.00} for that same loan yet they are still harassing me to pay $ XXXX for something I already paid off. I have all Of my bank statements

Company response to consumer: Closed with explanation