BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX IL XXXX ; XXXX XXXX XXXX, KY XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX ; XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX  XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX Balanced Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX Balanced Owed : {$0.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I mailed out letter, police report, and FTC report on XX/XX/20. It has now passed 30 days. No response from creditor. They are still reporting fraudulent information. Per FCRA they have to remove fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Westlake Services, LLC
State: NE
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I am XXXX XXXX and I entered a credit transaction with Westlake Financial. I have been violated from WESTLAKE FINANCIAL on so many accords within the Truth in Lending Act. First I extended my credit to this company in 2018. I was never told that I had 3 days to rescind according to 15 U.S.Code 1635. My insurance was not included in my finance charge. I had to pay that separately I didn't even get the option to have that which is a violation of 12 CFR 1026.4b7. Also, I put a down payment down on the car which is illegal according to 15 USC 1605. My car was stolen by the CoSigner on the paper that I received from WESTLAKE FINANCIAL it states that the only responsibility of the CoSigner is the payments. That is a break in this companies paper. I continuously called this company and had a police report to show that my car was stolen. They also violated my rights as a consumer under Federal Dept Practice Act. They continuously used profound and obscene language about threatening to repose my car which is a violation of a 15 U.S. Code 1692d.2. They also are in violation of 15 USC 1692c.b. I have several emails from them stating they are " attempting collect a debt from me ''. Within this same act I was violated also under 15 USC 1692b.5 where each communication received from them states their direct logo and that they are a debt collector. 
I have reached out to WESTLAKE FINANCIAL to validate this alleged debt but I have not heard from them yet. I sent over a cease and desist and received another email from the company asking about this alleged debt right after they received it. As I sent the documents certified mail so I have the green receipt of when they received it. I have stressed and stressed lost my job due to this credit transaction and I am still carless at the moment. I have begged this company to please return my vehicle and stop threatening me to repose the car they even asked me would I like the car to be returned I told them yes and I literally did not hear from them again until they started sending me collection emails and a 1099c form. I also asked this company to stop reporting on my credit report an alleged debt that is already paid for through the finance charge, and to stop contacting me. They have not done any of these things. I am just tired and stressed as a consumer at this point. While me and my kids struggle to get around someone is out there driving around in our vehicle that belongs to US and I am the one getting collection threats everyday.

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 2017-09-14
Company: Experian Information Solutions Inc.
State: IA
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:
XXXX was grossly negligent in the handling of their consumer data resulting in the leak of my personal information. In order to protect my wife and myself we will need to pay {$60.00} total to freeze our credit reports. In the next two years we plan on finding a place to rent then buying a house. This will cost us {$120.00} a time to thaw then refreeze our credit reports ( not to mention any other new bank account/insurance/or loan ) just so we have the illusion of financial safety. I do not believe that any of the credit bureaus should be able to profit from being grossly negligent.

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 2018-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion has not responded to my complaint to verify items submitted XX/XX/2018. I am very aware that it's their responsibility to keep detail records of my credit file. I am challenging them to do so by disputing and making sure they are reporting information correctly by obtaining original information and reporting only what is provided to them. They did not send the requested documents and they are still reporting the items in question on my report. Right now you I can say the items can not be verified due to them not getting back with me and not providing documents that will give details of my history. I have a right to check a reporting agency to be sure they are in compliance and right now they are not. They did not even answer my complaint.

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 2020-05-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I suddenly received a Credit Card Statement from Synchrony Bank/Lowes in XX/XX/XXXX for charges I did not make or authorize. The bank called me and I told them this account had been paid off many years ago. They said they would mail me copies of charges with dates of purchase, etc to review. I did receive a very heavy large envelope with copies of many statements and I immediately knew I was a victim of Identity theft. Since this time I continue to get letters from the bank and/or calls indicating I am past due and now late fees and interest are being added. 

After I realized this had happened I requested copies of all my Credit Reports from XXXX, XXXX, and XXXX. The credit reports indicate multiple hard inquiries on my behalf that I did not authorize. 

XXXX XXXX  was one Company that I had to also reach out to when I received a letter indicating my credit was approved. I called them to report that I did not apply for credit. I then received a letter dated XX/XX/XXXX, that indicated I was not responsible for said account ( Copy attached ) I have copied their letter as they requested and sent to all ( 3 ) Credit Reporting Agencies. 

I am a XXXX Vet age XXXX and am very overwhelmed with stress and to the point that I had to reach out to a friend to help me get this resolved since I do not own a computer much less know how to use one. ( I only use email on my cell phone. ) She has written all letters for me on my behalf that I am attaching for you. I told Synchrony Bank that I did not use a computer, own a computer, and they stated that someone had been paying the statements/bill up until XX/XX/XXXX making payments online. They then stated the last email for payment request had bounced back to them and they were given my address to send paper statements. 

Please help me get this 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 2023-01-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was charged off during the peak of the pandemic in XX/XX/2020. With no option to pay. You attorneys are scamming me in court and are being exposed for lying after the knowing know it was forgiven. I have rights during the pandemic why am I being discriminated?

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 2018-08-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX, has not credited my XX/XX/XXXX payment. I have sent them numerous " proof of payment '' from my bank.I have never been late with a payment since doing business with them. I did, however short them in XX/XX/XXXX and XX/XX/XXXX because I did not realize they had raised my house payment amount. Which I sent to them in XX/XX/XXXX ( the shortage amount plus a late fee. ) One day they say : not received XX/XX/XXXX payment and sometimes they make it a current like XX/XX/XXXX. NEVER HAVE I MISSED A PAYMENT OR BEEN LATE WITH A PAYMENT!

this process has been ongoing since XX/XX/XXXX. The complaint file # they have for me is XXXX. They ask that I use this number when inquiring about this issue.

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 2020-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
have ftc on file and police report account XXXX for XXXX $ from XXXX XXXX XXXX in this account was removed and should have been blocked all three credit buearu are reporting this account as a collection this was removed found unverifiable over 2 years ago havent recieved any letter saying this account was being reinstated please remove

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 2023-02-07
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have submitted four disputes through XXXX online dispute link that was sent to my email within the timeframe ( before XX/XX/23 ). I have not received any additional information from them yet they call me every day. I have also never received anything in the mail from them, only the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.

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 2019-02-20
Company: Ameritech Financial
State: AR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was contacted by Ameritech and setup auto drafts under the impression that my payments were being applied to my loan for a number of months in order for my remaining balance being forgiven per Ameritech.

Company response to consumer: Untimely response
Consumer complaint received 2022-11-18
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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 2019-02-20
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2018, I've sent several dispute letters by certified mail to ( Equifax ). Disputing all misleading, unverifiable, incomplete accounts on my credit file but Equifax has repeatedly refused to follow federal law. They have sent me generic response letter claiming that they have somehow verified all disputed account and has deemed the accounts as accurate and complete. However, ( Equifax ) has not yet once provided me with any physical evidence as per federal law has to how they have come to validate the disputed accounts. I would like ( Equifax ) to delete or remove all unverifiable Accounts from my credit profile. As listed below. 

1 ) XXXX XXXX XXXX {$980.00} 2 ) XXXX XXXX XXXX {$1500.00} 3 ) XXXX XXXX {$2600.00} 4 ) XXXX {$1500.00} 5 ) XXXX XXXX XXXX XXXX {$3500.00} 6 ) XXXX XXXX XXXX XXXX {$1900.00} 7 )  XXXX XXXX XXXX {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-13
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
Dear CFPB, I would like to file a complaint regarding some unlawful practices Ive experienced with Experian. I recently reviewed my credit report, and I noticed some inaccurate information. I made Experian aware of the inaccurate information on XX/XX/XXXX (  FORM A ). This was sent certified mail in which they received on XX/XX/XXXX ( FORMS B and C ). In my letter, I asked for validation of the unverified accounts as well as everything they had in my files as of that date. Experian did not send me any response within the 30 time period per the FCRA. 
I sent a follow up letter to Experian on XX/XX/XXXX ( FORM D ) disputing more inaccurate accounts on my credit report. Experian received this letter on XX/XX/XXXX ( FORM E and F ). In this letter, I also mentioned the original letter I sent on XX/XX/XXXX that I had not received a response for. 
Experian responded with a letter ( FORM G ) that stated one account had been deleted and other accounts were updated, pending, and/or verified, however, they did not comply with my request of providing me with everything they had in their file as of that date to support their claim of validation. They also exceeded the time frame of 30 days to respond according to the FCRA. 
Experian sent me another letter ( FORM H ) that reflected more results. The two accounts that I originally disputed back on XX/XX/XXXX were listed as verified/remains, and another account showed as pending. 
Experian never responded to my original letter within 30 days. They also have failed to provide me with the requested documents from my file they used to validate any accounts. Experian still never sent me proof of such validation or any of physical documents in my file that I had requested. 
Experian is violating my rights as a consumer and these accounts must now be deleted. 

Thank you for all of your help, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-20
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Experian Information Solutions Inc.
State: MD
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:
No entity may include in a consumer report ANY adverse information DEFICIENT OF PHYSICALLY VERIFIED VALIDITY of truth, accuracy, completeness and compliance to XXXX XXXX so prove now or delete the accounts mentioned : 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