BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting Experian but the company is not listening to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-07
Company: John C. Heath, Attorney at Law, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Lexington law firm credit repair has been lying to me the last few months, They wrote me a email stating 14 Items was removed off my credit report. when I went to check it out. Not one account was removed. I contact Lexington Law firm 14 times alerting them of the issue. that they been giving false information about accounts that was removed from my credit report. I had to purchase 6 different credit reports just to prove to them it was never removed. Several customer services reps was unable to help me and one stated for me just to deal with it! Now for a 2nd time they send a email saying my XXXX  report has 8 removals and that's not True Nothing was ever removed. it looks like they cant help me and started to lie and put removed when nothing was removed. NOT one thing was removed and they lied to me Multiple times I'm extremely upset and wasted money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: NATIONS DIRECT MORTGAGE, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I want to file an application for a special forbearance for my loan.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Please remove XXXX XXXX XXXX Also enclosed is a copy of the Notice to Furnishers issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRAs. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs, and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

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 2017-07-08
Company: GREAT LAKES
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Excess payments are applied toward future payments and there is not a simple way to apply the payments toward principal reduction. I have contacted the lender as well as attempted to have the excess payments applied to no avail. The funds are currently held in " escrow '' and the loan is paid through XX/XX/XXXX which negates the purpose of what I am trying to accomplish. The lender told me that the excess funds would be applied toward the principal after a phone call but I found that was not the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I inquired about XXXX internet and applied to have to services installed to my home. At the time I was living inside an apartment complex with that has duplicate address on each side. I put in the current address for my residence which was located on the east side of the complex and XXXX installed the internet services to the west side of the building complex ultimately making it inoperable for my unit. I reached out to XXXX and had a tech sent out which is who diagnosed the ultimate problem of the services at the wrong unit but also advised the technician that ultimately we would just be cancelling the services as we weren't able to use them at all the tech understood and agreed to collect the equipment. Later I see a collection on my account for {$200.00} referencing a charge from XXXX after never receiving and cancelling services.

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 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Im begging you please remove this to the 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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
I mailed Transunion on XX/XX/2019 to inquire them to do a debt validation but unfortunately never received any documentation back. I had pulled my report and tried calling the two cards " XXXX XXXX XXXX '' on XX/XX/2019 and customer service stated they had no recollection of my account and could not find any further info and unfortunately they could not delete something they could not find. It has been years I am trying to by a home and I want a resolution to this. Please assist thanks.

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 2023-04-25
Company: Experian Information Solutions 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 with the Fair Credit Reporting Act XXXX XXXX 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 : 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 explanation
Consumer complaint received 2021-10-07
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Problem after you declared or threatened to declare bankruptcy

Complaint:
** THIS IS NOT A DUPLICATE COMPLAINT. ** XX/XX/2021- Santander saw equity in my vehicle and even though we had a payment arrangement in the middle of a World wide pandemic wrongly repossessed my car. 

XX/XX/2021 - I filed a Chapter XXXX bankruptcy. That places an automatic stay on the car which Santander Consumer ignored against the US Bankruptcy laws. 

XX/XX/2021 - My car was returned damaged. Below I include a .pdf with the timeline and pictures of what happened. 

XX/XX/2021 - I filed a claim with Santander Consumer. I was told the company experienced damages due to repossessions. The company would fix my vehicle to the same condition as when it was taken. 

XX/XX/2021- Santander Consumer said they found no problems with the return of my car and would not fix any damages or replace missing parts. 

Santander Consumer wrongfully repossessed my car on XX/XX/2021. The company they hired was XXXX XXXX who broke my car rack and kayak carrier, scratched the exterior of my car, put paint inside the car and stole my spare tire kit. Santander Consumer and their shady business partners have stopped my full use of a car, a car I am paying for, for the last six months. When anyone touches your personal property that property must be returned in the original condition it was taken. 

I have been lied to by Santander Consumer and its business partners. I have been cheated of the use of my vehicle, my time and money. And, Santander Consumer continues the same deceptive, misleading and cheating business practices they have a long list of class action lawsuits they continue to lose because the way Santander Consumer is treating consumers is against our laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: EQUIFAX, INC.
State: AL
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$780.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
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: Information belongs to someone else

Complaint:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY USE MY ID TO OPEN UP AN AUTO LOAN IN MY NAME. ATTENTION I AM WRITING TO REQUEST AN INITITATE A FORMAL COMPLAINT AGAINST EQUIFAX, XXXX, AND XXXX CRA # XXXX '. ON XX/XX/2020, I MAILED EUIFAX, XXXX, AND XXXX TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNT/S FOR WHICH I AM A VICTIM OF IDENTITY THEFT. ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/FAILED OR REFUSED TO BLOCK USAGE OF THIS FRAUDULENT ACCOUNT/S THAT IS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITATE 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 SERVICES FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Williams & Fudge, Inc
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I can not believe that I am dealing with this again. Today I received a push notification that my credit file had a change. I found a collection account in the amount of {$170.00}. I knew it sounded familiar. Soon I found out that the customer of the collection agency is XXXX XXXX. I used to have internet and cable with XXXX. When I switched to a company who actually provides the services that I pay for, my XXXX account was paid in full. In XXXX of 2021 I had the same thing happen to me. I was never notified by XXXX, nor by XXXX XXXX XXXX of a debt, yet I received a collection account on my credit files. I repeatedly attempted to deal with them to no avail. I then filed a complaint with your agency and you made them remove the collection account from my file. Now the same false debt from XXXX is on my files as a collection account with a different collection agency- Williams and Fudge I. How does this debt continue to haunt me when I owe XXXX nothing? Will you please make Williams and Fudge I remove the false collection account from my credit files? Will you please make XXXX XXXX stop harassing me? I am including my complaint and resolution from earlier this year. I thank you for defending me and I appreciate the service you have already provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, 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:
In accordance with the fair credit Reporting act XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 


15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions, 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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'm disputing a XXXX XXXX account # XXXX that been on my credit profile. I've disputed fraud and sent the evidence to the company they then closed the account but it still remains on my credit profile with all three credit bureaus. I disputed the credit bureaus and they said they confirmed proof that it's my account but never sent the proof. I want this fraudulent account removed from my credit report from all three credit bureaus.

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 2023-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
By the Fair Credit Reporting act XXXX XXXX XXXX Credit Card account # 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 an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-08-16
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
XX/XX/XXXX, I received notification from Equifax that disputes I filed regarding hard inquiries were completed. I disputed the following inquiries : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, MI XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX TX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX - DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX DID NOT AUTHORIZE. I filed for bankruptcy on XX/XX/XXXX and they were included in the bankruptcy. This should not have been run. 

Equifax responded to my disputes with the following statement : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' There is no way these inquiries are valid. I neither gave information to, nor did I authorize those lenders to pull and run my credit. I even spoke with a gentleman from XXXX XXXX and told him specifically NOT to run my credit because I was not looking for financing due to filing for bankruptcy. I was not looking for financing, I had just filed for XXXX  XXXX bankruptcy. It was discharged in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/2015 I made XXXX payments of {$3700.00} to Bayview Loan Servicing. XXXX was my XXXX monthly payment, the other was to be applied to principal. When I called Bayview customer service advised me that payment would not be applied to principal but would be applied as my XXXX, 2015 payment. 
I refinanced my mortgage and changed servicers before the XXXX payment was due. The refinance closed on XXXX/XXXX/2015, the escrow company wired the full payoff amount to Bayview on XXXX/XXXX/2015. The amount wired was {$470000.00}, as per the payoff quote sent by Bayview. Bayview did not process that wire until XXXX/XXXX/2015. 
Per Bayview 's own activity statement the principal portion of the XXXX payment was applied to the loan balance on XXXX/XXXX/2015. The interest portion was not applied to the loan balance, it is being held in suspense. The payoff amount requested by Bayview excluded the interest portion of the second payment. I expect Bayview to refund me the interest portion of that extra payment, but as of today they have not. 
I waited XXXX days after paying off Bayview for the interest to be refunded. I have made numerous phone calls to Bayview. On XXXX/XXXX/2015, I faxed a written request to a manager named XXXX : fax XXXX. I called the following week, spoke to an agent who confirmed that the fax was received. The agent advised me that it could take up to XXXX days to resolve the issue, but to follow up because these issues are normally resolved much faster. On XXXX/XXXX/2015 I called again, spoke to another agent who said that there was no case being worked on at all. The agent advised me to email a copy of the fax I 'd sent on XXXX XXXX to XXXXXXXXXXXX, which I did. 
As you can see by the attached documentation, I am due the {$2000.00} that was never applied to my loan balance. Bayview has kept these funds for over XXXX days and has yet to acknowledge my repeated requests. I need the help of CFPB as I have tried in good faith to work directly with Bayview and have yet to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Selene Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I tried to stay current on my mortgage during the pandemic however I fell behind in XXXXXXXX XXXX. My loan was transferred to Selene finance and they put me into foreclosure. I have an FHA loan and Selene did not tell me assistance was available. They did not offer me any assistance nor did they inform me of the programs that FHA had put in place for homeowners like myself. Every time I tried to get information regarding the FHA partial claim or recovery modification I was told I had to send in an application with full documentation. I am now in foreclosure and incurring fees and lawyer costs without even being informed that I could have gotten a streamline through FHA and been helped. I think Selene has violated the CARES act by blocking me from assistance and then putting me into foreclosure. The COVID pandemic was horrible and I do not think I should lose my home. Especially if there is available assistance and Selene blocked it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I Sent all three credit bureaus my personal information that should be on my report, name, address, date of birth, employment status they have not updated my info.

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 2023-06-04
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 am interested in processing disputes on my credit report to delete an remove all inaccurate information on my Equifax credit report. information on all credit reports are not valid. this has been an on going issue that is hurting my file. please review an check out all details in the report to clear my file to correct my credit report asap.

Company response to consumer: Closed with non-monetary relief