BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-19
Company: LJ Ross Associates
State: MI
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:
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My former landlord demanded almost {$700.00} in bogus repairs after we moved out on XX/XX/2023. I disputed the debt with the landlord and he sent the amount to pre-collections with XXXX XXXX immediately ( within XXXX days ) despite the thirty-day period he offered to us in writing. 

After communicating with XXXX XXXX about a further dispute throughout XXXX with little success, I offered {$370.00} to settle the account completely. XXXX XXXX agreed, and I paid the {$370.00} via credit card. They also charged a {$13.00} credit card processing fee which exceeds the limit of XXXX percent. XXXX XXXX said they would close my account. Not only did they neglect to close the account as promised, but they re-upped my balance to the remaining account and proceeded to call and harass my girlfriend, another leaseholder. 

XXXX XXXX XXXX at XXXX XXXX and XXXX XXXX should be investigated for this fraudulent and deceptive business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed the complaint concerning the block of information related to identity theft on my consumer report. They did remove a bulk of items, but they left some items that have been negatively affecting me. XXXX  should not be on my report. XXXX XXXX XXXX XXXX should not be on my report. I have already previously communicated with Equifax to remove these items according to law, and they did do most of the items, but for some reason they neglected these 2 items on my report after removing the plethora of other items. Reference complaint XXXX for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX {$370.00} open balance, XX/XX/2019, XXXX XXXX. 

I have no idea who either of these companies are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
last year i have been approved to a trial modification payment and i made all my payments within the stipulation on the letter ... i was making my payments ALL and until XXXX when the payment was due i called the automated service as usual and they informed me that they can NOT obtained my payments because they denied my loan mitigation application. According to them i did not provide the information they requested. also they informed me that they never contact me because in their system they had an attorney in file ... ( THIS WAS NOT TRUE ) the attorney they were attempting to send documents ( never copy me on any letters ) were sent to an attorney that worked for the association of the condominium i reside HE NEVER REPRESENTED ME. 
The only solution they provided me back then was to resubmit the application package AGAIN and re apply .... I did it, and I was denied again Now because they said i miss two payments ( Payments that they did not took in XXXX, XXXX XXXX and because i had applied twice ( which this is what i was told by them ) I am a senior spanish speaking and I asked them the option to please revise the circumstances of why the application has been denied. i being living in the property for 14 years and with the pandemic i am suffering XXXX  I am affraid to loss my home please help me to have them review my case carefully as i feel this is not being handle appropriately and with care according with my case.

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 2023-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these inquiries under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting inquiries as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable inquiries and delete them immediately in my report : 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 explanation
Consumer complaint received 2023-05-26
Company: Selene Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My previous complaint was # XXXX. I finally got the forms needed. This complaint addresses an inquiry that was not addressed with my last complaint. The total amount owed to Selene Financial is ~ {$50000.00} higher than it should be. I consulted with a financial agent with XXXX, and he highly recommended that I order a payment history of the entire loan since purchased in XXXX. This hasn't been done, even though requested from Selene Financial, because the loan was sold numerous times. Why ...? The sale price was {$160000.00}, I paid a cash deposit of {$45.00}, had good credit, charged 8.69 % ( why...? ) and pulled out {$50000.00} at closing. The XXXX rep still said the numbers don't make sense, and for me to have this investigated. Current XX/XX/23 mortgage statement shows outstanding balance of {$170000.00} and deferred balance of {$76000.00} plus fees, etc. Can you please help to resolve this matter. This appears to be a predatory loan/discriminatory financial situation. I will send my statement upon your request. I am being harassed by the mortgage company, threatening to foreclose, even though I have been approved for {$60000.00} by the MD. Homeowners Assistance Fund towards paying the rears. I recently send in an application for a modification for ~ {$25000.00} from Selene Financial, waiting for a response. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-19
Company: American First Finance, Inc.
State: PA
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: Problem with personal statement of dispute

Complaint:
XX/XX/2020. I spoke with XXXX from American Finance on a recorded line about possibly settling my debt from the closed account. which i then asked that if i can settle for a specific amount of {$400.00} that the account will be settled and removed. this is when XXXX assured me that the account would be settled and removed if i was able to ay the said amount of {$400.00}. since XX/XX/2020 i have been I debating and disputing with American First Finance about the removal and settlement of the account which they now tell me it can not be removed. as of right now this account is showing up negatively on my XXXX  report and by XXXX assuring me over a recorded line that the account will be taken care of therefore makes it a binding conversation and i feel as though this company is not doing right by their part of the contract. I haven't received a confirmation number, i have complained and told them i wanted to hear the conversation with XXXX, and i have only received an email with an attachment with transaction history but with no proof of who is receiving payment. I'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-23
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX account XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2. States a Consumer Reporting Agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08
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:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
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:
PURSUANT TO 18 USC 8, I OWE NO DEBT, THIS COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 1681 B 2 COMPANY HAS ALSO NO PERMISSION TO REPORT ANYTHING USING MY INFO PURSUANT TO 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: CITIBANK, N.A.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
This is a {$2.00} XXXX dollar 'pump and dump COVID-19 ' debt related securities fraud which parties include Citigroup , XXXX, and XXXX XXXX . This scheme was devised by the parties to use XXXX in facilitating international debt related payments from XXXX XXXX to third parties, which criminality falls under the RICO statute, or Title 18 of the United States Code, Section 1961 ( 4 ),  statutes of transnational COVID-19 organized crime. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2023 I asked that these items be investigated and removed from my report In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX XXXX XXXX, has violated my rights. 15 U.S.C 1681 602 A. 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 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 non-monetary relief
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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:
I am writing this letter to bring a serious matter to your attention concerning potential identity theft that has affected my credit report. Upon reviewing my credit report, I found an unfamiliar account listed under XXXX, Account Number XXXX, which was reportedly opened on XX/XX/2022. I wish to express categorically that I did not open this account, nor have I authorized anyone to do so on my behalf. 

I believe I am a victim of identity theft, and this account is a result of fraudulent activity. I have no knowledge of this debt and have not incurred it.

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 2022-11-29
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under XXXX XXXX of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required XXXX XXXX  for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXXXXXX Balance : {$200.00} XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$7600.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 explanation
Consumer complaint received 2022-11-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
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 was notified on XX/XX/2022, by XXXX XXXX XXXX that someone had fraudulently used my identity to secure an Ink account in my name on XX/XX/2022. They closed the account, and I have been chasing ripples from my identity theft since. 

I have made a police report to my local police department, XXXX XXXX MO XXXX ( XXXX. XXXX XXXX # XXXX, report # XXXX ), and I have submitted an Identity Theft Report ( # XXXX ) to the FTC. I have frozen all of my credit reports, and have placed a 1 year fraud alert on all three of my credit reporting accounts. 

In reviewing my credit reports from the 3 major consumer credit reporting agencies, I noticed a hard inquiry from Bank of America dated XX/XX/2022. This was not me, it was an inquiry generated from the identity theft. I disputed the inquiry, since it was due to the identity theft. BOA reviewed their records and confirmed that the information they reported to the consumer reporting agencies is correct. They will not remove the fraudulent inquiry from my credit report, and consider the dispute resolved.

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 2021-01-25
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I submitted a Carrington Mortgage Assistance Application. On XX/XX/XXXX, Carrington Mortgage Services ( hereafter CMS ) sent me a letter indicating the application was COMPLETE. On XX/XX/XXXX, CMS asked for additional documentation via letter ( specifically 3 documents ). On XX/XX/XXXX, I supplied that documentation via email. On XX/XX/XXXX, CMS notified me via letter the application was INCOMPLETE ( although did not indicate what was lacking ). On XX/XX/XXXX, CMS cancelled the application via letter stating, Carrington did not receive all documents to complete loss mitigation review. You were sent a notification ( s ) outlining the specific timeframe you were required to send them to us. On XX/XX/XXXX, having sent all documentation requested by CMS, I asked via email for clarification on what documents were missing in order to complete the application. I also attached a copy of FHAs announcement of third foreclosure moratorium. I received no response to my inquiry. 

During this time period, I received Notice of Intent to Foreclose letters monthly, although I continued to pay my Principal and Interest timely. I did not pay the additional amounts listed on my Monthly Mortgage Statement because I disputed the escrow calculations and outstanding amount claimed when Carrington Mortgage inherited/took over my loan servicing. I believe I was only late on one Principal and Interest payment in XX/XX/XXXX. CMS accepted my Principal and Interest payments throughout XXXX. Though, reporting my account as late to the credit bureau. On XX/XX/XXXX, CMS sent me a letter returning my XX/XX/XXXX Principal and Interest check # XXXX, stating I must pay Total Amount Due and the funds must be CERTIFIED FUNDS ONLY. On XX/XX/XXXX, I sent my XXXX Principal and Interest payment to CMS. 

CMS insists I contact their office to make next payment arrangements. I dont want to be threatened, given ultimatums, or argue with customer service agents that have NO Property Interest in my home. CMS representatives WILL NOT HELP homeowners. Any interaction with CMS should be conducted in writing providing both parties documentation. Here, I assert my Mortgage Assistance Application was COMPLETE as of XX/XX/XXXX. The irrelevant and duplicative yet provided information CMS requested after-the-fact was not needed to process my application but instead required for purposes to stall/deny my timely request. ( I have the documents but I'm sure CMS has the same documentation. If CFPB needs any aforementioned documents please let me know )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
After performing a credit swap with XXXX XXXX XXXX on XX/XX/2022, which involves me providing my security instrument containing material information to secure all future payments, threatened jail time if I didnt make any extra payments after my security instrument in fact already secured such payments I was manipulated to be responsible for. 

When performing an actual credit swap XXXX XXXX at no point disclosed to me that a security is required ( by law ) for consideration under the agreement/contract. 

Auto Boutique never disclosed to me that I created a security instrument under the agreemenXXXX XXXX XXXX  never disclosed to me they received my security instrument as a cash deposit onto their account ( XXXX ) /ledger XXXX  XXXX never disclosed to me at ANY point my security instrument funds the credit for VIN # XXXX At no point did XXXX  XXXX disclose we were engaging in a credit swap. I funded them-they funded me transaction. 

XXXX XXXX  then INCREASED the total sale price by 300 % from XXXX to XXXX, after explaining to me I couldn't receive the vehicle unless I made a cash diem payment which is pursuant to 15 usc 1605, in regards to the law the {$5000.00} down payment and ALL OTHER PAYMENTS made on a monthly basis to XXXX XXXX collected were all illegal finance charges and a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated or deleted : 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