BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-24
Company: TRUSTMARK CORPORATION
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I went into forced placed insurance and my payments went from XXXX to around XXXX. I was late but making payments at their calculated rates. Recently they raised my payments from XXXX to XXXX claiming a shortage of escrow even though I had been paying what they calculated. They also claim I have a shortage of XXXX. 

My loan payoff is only XXXX. I have been recommended for foreclosure. 

I can show where I have had extensive health issues including a XXXX I XXXX this year. 

I can not sustain XXXX per month and I truely need help. I can provide medical history.

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 2023-02-24
Company: BTH Management
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I entered into a bankruptcy back in XXXX. This bankruptcy was XXXX in XXXX. The collection company Plaza Services , LLC placed a new collection on my credit report as if I opened an account with them in XX/XX/XXXX. This is deceptive trade practices, and I should be protected as a consumer against this fraudulent reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a Qualified Written Request ( RESPA ) to LAKEVIEW LOAN SERVICING LLC on XX/XX/XXXX via registered mail. Their Loan servicer, XXXX XXXX acknowledged receipt of the request with a letter dated XX/XX/XXXX well after 5 days of receipt ( 1st violation ). They assured that they take these matters seriously and a detailed written response will be sent no later than 30 days from receipt excluding weekends and public holidays. Per 12 CFR 1024 if they are not obligated to respond to my RESPA request, they are supposed to notify me within 5 business days from their decision not to respond. I have not received any correspondence from LAKEVIEW or XXXX since the acknowledgement letter dated on XX/XX/XXXX ( 2nd violation ). It has now been 41 business days without a response to my RESPA request ( 3rd violation ). This is well past the 30 days required by 12 CFR 1024. As well, I have not been notified of any15 day extension to respond to the qualified written request. I called in to XXXX today XX/XX/XXXX @ XXXX central time. The call lasted 25min 36sec with XXXX XXXX I.D . XXXX. I was calling to make inquiries and was informed that my Home is already in foreclosure status as of XX/XX/XXXX ( 25 business days after my qualified written request RESPA with no response to or about it ). I was informed that I should call their foreclosure attorney XXXX XXXX XXXX XXXX and their phone number was provided. This is the first time I'm hearing about a foreclosure. I have not been notified by any attorney, LAKEVIEW nor XXXX. This is also out of line with the FDCPA. Legal action will be taken.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX BANK Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX S DEPT OF EDXXXX Acct XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX  Acct XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Actt XXXX XXXX XXXX XXXX has violated my rights. 

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 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 2020-11-04
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I disputed a debt with XXXX ( XXXX  ) with both the collection agency at the time and XXXX  Credit Bureau. Both XXXX ( on XX/XX/XXXX ) and XXXX XXXX XXXX ( on XX/XX/XXXX ) deleted the debt. XXXX then gave ( or sold ) this invalid deleted debt to AFNI Collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ; XXXX, IL XXXX ) who very aggressively and rudely called me and would not disclose who they were or why they were calling but instead asked me repeatedly about a former address. When I told the man I would not give personal information unless I knew why he was calling he became even more aggressive and rude and I had to hang up because I was worried and uncomfortable. I called AFNI shortly after and explained that this debt was deleted and therefore not valid and to cease contacting me. I additionally Chatted with XXXX ( I do have screen shots of the conversation attached ) where they assured me they were taking my debt out of their system and not to worry about it. Now I have received a letter from AFNI trying to settle the invalid AND deleted debt that they are aware is INVALID AND DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-02
Company: Experian Information Solutions Inc.
State: IN
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 sent in documents to Experian on XX/XX/2018 which included my birth certificate, social security card and also my drivers license. I was going through the process of getting preapproved to buy a home and they had my social security number entered incorrectly. I tried calling and getting ahold of them to fix the problem and 5 months later my number is still reporting incorrectly. According to the Fair Credit Reporting Act they had 30 days to respond and failed to do so.

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 2021-11-03
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: Old information reappears or never goes away

Complaint:
EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX EXPERIAN, are reporting an account as delinquent that are pass the seven year reporting time as allowed under Fair Credit Reporting Act. The following account should be deleted XXXX XXXX XXXX. 

According to the Fair Credit Reporting Act, Section 609 a1A, EXPERIAN are required by federal law to verify through the physical verification of the original signed consumer contract and all accounts post on a credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: CORELOGIC INC
State: IN
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: Old information reappears or never goes away

Complaint:
I am presently in process of purchasing a home and my Lender came back to me asking for more information on properties that I " Own '' and I did not list on my application. I was told that they appeared on a " XXXX report ''. The property addresses are XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX. Like so many others I got caught in the XXXX crash and, unlike so many others, maintained my properties through the short sale process. I successfully negotiated short sales transactions with No Deficiencies on both of these properties. 

Am attaching a copy of the XXXX report dated XXXX. For whatever reason the short sales at XXXX XXXX and XXXX XXXX that were completed on XX/XX/XXXX and XX/XX/XXXX respectively continue to be reported resulting in a High probability of loss due to fraud. I NEVER engaged in fraud or deception with any lender prior to, during, or after the XXXX Crash. Nor will I do so moving forward. 

This is old and outdated information. I survived the 7 years it took to get these off my credit report. Now it is many years past those 7 years and this is still being used unfavorably. I continue to be damaged as a result of this illegal and unethical reporting. 

Please get this information removed from the XXXX system at the earliest possible time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am presently in a rate reduction program with Navient because my student loan balance is very high ( {$170000.00} ). I would not be able to afford the regular loan payment ( approximately {$1100.00} per month ). My current loan repayment percentage rate is 3.25 %. My present payment amount is {$670.00} in the rate reduction program. On XX/XX/2019 ( today ), I called to extend the rate reduction program and was told that the amount would increase to 4.25 % with a monthly payment due in the amount of {$800.00}. The representative and I went into great lengths about all of my monthly financial obligations and the payments that I make a month ( mortgage, credit cards, utilities, etc. ) and it was found that I am in a negative status each month after all payments. I spoke to the representative and told him that I would not be able to afford that increased payment ( {$800.00} ) with my financial obligations and other loans that I would have to pay especially because after all my financial obligations are paid, I am in a negative status. I asked to speak to a supervisor and was transferred to a unit collections manager, XXXX XXXX. I told Mr. XXXX that I would like to keep my payment at the same rate because at this time, that is the payment I can afford. Mr. XXXX told me that he did a background check on me and checked out the house that I live in and the cars that I own. Mr. XXXX said that because of the house and cars that I own and drive that I should be able to afford {$800.00} payment. I told him that I am unable to afford that amount with all of the financial obligations that I have. He told me that he does not have to offer me any lower payment or lower my interest rate at all. I told Mr. XXXX that if he does not keep my payment at the same amount that I would have to default on my loan. Mr. XXXX said that it doesn't matter if I default on my loan. Mr. XXXX refused to even negotiate with me and keep my payment at an amount that I can afford. I asked Mr. XXXX to tell me the name of his manager and he told me her name is XXXX XXXX and gave me her phone number. He refused to give me an address for her even though I prefer to send my complaint in writing to Ms. XXXX. Mr. XXXX told me that it would do me " no good to contact her '' and that she would not try to assist me even further.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: PNC Bank N.A.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Been calling customer billing department keep putting me on hold as if stalling asked to send me a verification of debt letter, asked several times to send proof of debt they kept hanging up on me needed original contract, asked for wet signature, never responded, very nasty with me on phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek grand jury on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have an account with XXXX XXXX XXXX in New Mexico. The account was late in XXXX of 2020. 

During COVID-19, the industry standard has been to either remove late payments during the pandemic or to update the item to reflect " affected by natural disaster ''. 

I disputed this as such for XXXX and the item remains unchanged. Why is this one credit union discriminating in this national disaster? 

CFPB should publish this on consumerfinance.gov. An entire population is creating an artificial lowering of the average scores in the country because of individual companies who refuse to help consumers during this time of national need.

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 2020-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In 2016, several accounts reported on my credit report per XXXX XXXX. Upon research, Im no longer responsible for the accounts. I challenged the validity of the Chapter XXXX Bankruptcy, Reference Number XXXX reported XX/XX/2016 that was being reported on my credit report. Upon challenging this, Transunion and XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed upon challenging the Bankruptcy account with Transunion that they are legally responsible in removing all information associated with inaccurate information being reported. I noticed as a result of challenging these accounts with Transunion that they verified these same accounts. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information Transunion used to verify these accounts in writing. If such documents can not be produced please delete these accounts immediately. 

Accounts are referenced below. The accounts are reporting inaccurately and needs to be removed. The accounts has comments stating that the accounts were included in chapter XXXX bankruptcy yet there is not a valid bankruptcy on my Transunion report, therefore my my consumer rights has been violated and Im requesting legal actions now. 

XXXX XXXX XXXX XXXX XX/XX/2016 - account number XXXX *XXXX/XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account XXXX XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number XXXX XXXX XXXX XXXX reported XXXX XXXX- account number XXXX *XXXX XXXX XXXX reported XXXX XXXX- account number 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 2023-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance to the fair credit reporting act.The list of accounts below has violated my federally protected consumer rights under 15 USC 1681. 

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 15U.S.C 1681 section 602 A. States that I have the right to privacy.

15U.S.C 1681. section 602 A section 2 : It also states that a consumer can not furnish a account without my writing instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section states : No consumer reporting agency may make no consumer report containing any of the following items of information any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has cause to believe the information is inaccurate.

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 2021-03-16
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When this debt first appeared on my credit reports I advised that I did not open an account with Nordstrom. I sent letters back in XXXX and XXXX. No one has been able to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Experian Information Solutions Inc.
State: NJ
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ACCOUNTS ATTACHED TO THIS COMPLAINT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS FOR I HAVE HOLD AN EXCELLENT MEMBERSHIP STATUS.

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 2020-10-27
Company: Velocity Portfolio Group
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received a debt collection letter from XXXX XXXX XXXX on behalf of Velocity Investments in XXXX. In XXXX, I called XXXX XXXX XXXX to ask for validation of debt. They continued asking me if I was going to make a payment or setup a payment plan. I told them I have no money. The Rep told me they were going to relay this info to Velocity and when my situation improves, I can call to set up payments. In XXXX, I get served with papers saying XXXX XXXX XXXX / Velocity Investments is suing me for the debt that was discussed over the phone in XXXX. No other notice was sent to me about this debt and there were no indications that they were going to sue.

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 2021-11-02
Company: ALLIANT CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased a prepaid hotel voucher from a merchant named XXXX on XX/XX/XXXX. I redeemed the voucher for a hotel reservation scheduled for a trip occurring in XX/XX/XXXX. The hotel called me to tell me the travel supplier has gone bankrupt and the reservation has been canceled and will not be honored. I tried to dispute the charge for the voucher, since services I paid for are not being delivered, and the card issuer is refusing to accept a dispute claim because they say the original charge is too old. 

The merchant 's bank took the credit risk on this merchant and they are the ones who should be eating the risk of a merchant receiving advance payment for services not delivered by its merchant client

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-24
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, I would like to request that this account be removed from my credit report as soon as possible.It has been more than 7 months and I have never been given any information of the results of my request. I dont recall informations and I have never given permissiion to furnish any of the details on this account information. Account information disputed by consumer, meets FCRA requirements. I am requesting that this accounts referenced to the attached letters be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation