BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-17
Company: Experian Information Solutions Inc.
State: MD
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:
My paid subscription directly with Experian is showing a 53 point higher credit score (  Fico Score ) than when my lender pulls it ( XXXX ) all of the accounts, the dates and balances are identical. I have compared the two reports line by line, nothing is different but the scores. This can not be justified, and is very dishonest as it allows the lender to charge higher interest rates on loans.

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 2018-10-16
Company: DISCOVER BANK
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:
The reason for my writing is that this company is being unreasonable, I am a XXXX XXXX  who sustained severe injury following a fall in early 2016. Due to the injuries I sustained, I was unable to work for nearly a year and a half. I suffered XXXX XXXX and developed XXXX XXXX XXXX and couldnt function mentally. My condition was so bad that I could not manage my finances. Due to my emotional state, I had to get a debt management company to do this on my behalf. The debt management company resolved and settled all the accounts that were late. 

As a result, I notified this company about the situation attaching a Doctors letter as proof of injury to support my claims, requesting removal of the late payment history since it was never my intention to be late. But to my surprise, this company has refused to cooperate and still keeps all the data that I had requested to be removed. 

Again I request that the late payment history of this account be deleted as soon as possible. 
Enclosed XXXX XXXX Id Copy of doctors letter Copy of first letter that was mailed to this company

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Westlake Services, LLC
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
submitted payment, called 2 days later they advised theres no record of conformation number ( screen shot ), when speaking with manager she said its my bank issue and they cant do anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/2018 i contacted transunion and i was told that i am locked out of my report for life i will never be able to get into my report online please fix this i have been dealing with this for a long time because someone took my id after i got out of the XXXX and was on XXXX XXXX  for a long time and now i am paying the price for this over and over again

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 2020-06-26
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
There was a hard pull on credit because my wife and I are applying for a mortgage. After the credit pull AmeriSave Mortgage Corporation reached out to me unsolicited and tried to sell me on a refinance. I said I'm not interested and didn't know how they got my number. Then the women mentioned that I had a hard pull on my credit. 

She asked me " Why did you have a hard pull on your credit, are you buying a home, looking to refinance? '' I was surprised she knew this information and I said, " I'm not comfortable sharing any information about why my credit was pulled, I don't know who you are '' She then proceeded to list off the products her company offered. Then both of said ok goodbye and hung up. 

I'm concerned the the credit reporting companies are giving out information on me to other companies without my approval. I'm also concerned that the women from AmeriSave tried to get me to divulge why a hard credit report was pulled. That information is extremely personal, I can't believe a sales person would ask such a questions especially on a unsolicited call. 

the number that reached out to me was 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 2019-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I applied for Credit on XXXX-19 and I got a denial of credit. The reason is past credit not paid. Yet all the credit was included in Chapter XXXX BK and should not be affecting me as it was discharged 2 years ago. The credit reporting agencies also keep ageing the debts included in the BK.. 
2nd complaint I tried to remove a fraud allert on my credit files in writing. All 3 agencies returned a letter stating it isn't there but, I'm getting denials for it being there.

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 2018-02-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There is an account, XXXX XXXX XXXX XXXX, being reported to all three credit bureaus under my name and this information is false information. Someone has gotten access to my personal information and has used that information to open this account. This account does not belong to me and needs to be removed from my credit report immediately. The balance on this account effective XX/XX/XXXX is {$150.00} and this account was opened XX/XX/XXXX. I have XXXX XXXX XXXX several times and have gotten no response. I have contacted all three credit bureaus and have gotten no response. 

There is an account error with XXXX XXXX XXXX that is falsely showing on my credit reports. This was never a part of my bankruptcy and was never one of my accounts. The credit bureaus shoe that there is no data. The reason there is no data is because the account is false information. I have contacted XXXX XXXX XXXX several times and have gotten no response. I have also contact all three credit bureaus and have gotten no response. I would like this account removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Eastern Revenue, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent documents and EASTERN REV is not respoding to me. This is debt that is alleged and I need more information. This is the third time i request documents from them and nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THIS ACCOUNT REMOVE OFF MY CREDIT FILE. THE ACCOUNT IS A CLOSED ACCOUNT THAT IS REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2018-10-16
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 due to a foreclosure sale on XX/XX/2018. I applied for a loan modification to Bayview Loan Servicing 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 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 it rings couple of times and then I get nowhere. Seems like when I put in my information the phone system recognizes my information and does not connect me to anyone. 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. After speaking to the employee she did not give me any information regarding my loan and said that only one person could talk to me but I can never get a hold of that person. Also asked for a supervisor and was on hold for over 40 min and never got one. Bayview is playing dirty games for me to not resolve my issue and get an update on my loan modification.

Im being thrown around the phone system and no one can speak with me. Is this a game they play to hold off so long until its too late to speak to someone and then they sell my home? I have done everything needed to do and i have sent them all documents. If Im not mistaken Bayview Loan Servicing 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 2018-10-16
Company: Experian Information Solutions 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:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I have disputed the accounts with the credit bureau Experian , to no avail..The account XXXX XXXX XXXX  XXXX XXXX is not mine. I asked for proof of my signature where I agreed to pay this account but the credit bureau couldn't provide any..Also, the student loan XXXX XXXX   XXXX XXXX should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..This is very exhausting, CFPB please step up and remove the accounts

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 2018-04-17
Company: Summit Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am making monthly payments of {$490.00} on a XXXX XXXX XXXX to Summit  Finance. In XX/XX/2016, the original loan amount was XXXX. I tried to re-finance through this lender but was denied. Then I tried to re-finance through my bank but was also declined. I found out that for over two years I have been paying only XXXX towards the principle. The car is only worth XXXX and the pay-off amount is XXXX. The dealership told me they were charging me 24 % INTEREST. THIS IS CRIMINAL! IHAVE BEEN UNDER EXTREME FINANCIAL HARDSHIP for the past two years and at a rate such as this I may not live that long to ever pay it off! I also did some nvestigating of 'Summit Financial Corp. and they recently declaRED BANKRUPTCY. I AM CURRENTLY WORKING WITH XXXX XXXX TO REPAIR MY CREDIT-but in the meantime I continue to be financially XXXX by this company. aLL i AM TRYING TO DO IS GET A LOWER MONTHLY PAYMENT. i AM A XXXX VETERAN AND LIVE ON A FIXED INCOME 100 % SERVICE CONNECTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: Experian Information Solutions Inc.
State: NV
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:
BK and a few accounts are on my report that's not mine.

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 2020-06-26
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: Investigation took more than 30 days

Complaint:
ftc violations I reported 60 days XXXX XXXX/XXXX XXXXDispute XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
ftc violations I reported 60 days XXXX  XXXX/XXXX XXXXDispute 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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
TransUnion not responding to requests to delete inaccurate information. Sent letter 45 days ago and they never responded. The return receipt was stamped on 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 2018-10-16
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 3 Citibank Platinum AA credit cards for different purposes. One AA card ending in XXXX had a credit balance of {$350.00}. I requested it be transferred to a different card. This credit balance was subtracted and supposedly transferred on XX/XX/XXXX. However, this balance was NOT transferred to either card I have. It was simply subtracted so I no longer had a credit balance, so Citibank took the {$350.00}. I called five times over five weeks, and asked where the balance was. Each time, the rep said " oh that's strange '' and said " oh I found it it will be transferred within 2-3 business days ''. It has NEVER been transferred, and I am still missing the {$350.00} credit. So Citibank owes me {$350.00} that was subtracted ( they claim transferred, but it was not ) from the AA account ending in XXXX and they need to return this 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 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 a consumer, a natural person, and a protected person under federal law. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. 
Regarding alleged account # XXXX 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.

15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days.

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 2019-07-12
Company: RFNA, LP
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Refinanced a current loan with the same company.. republic finance of XXXX la ... so basically when is all said and done im paying 68 % on one loan and i was not compensated the insurance back into that first loan ... and the total payment due after 24 months was also added to the second contract!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-09
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Six months ago, I noticed XXXX XXXX on my credit report and knew I had never done business with them. I did do business with Personal Finance who was acquired by XXXX XXXX and the loan that I had with Personal Finance I had a perfect payment record and was closed and paid off in XXXX of 2014, which is also reflected on my credit report. I called XXXX XXXX and was told the loan was too old and they could not access any information on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: FL
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:
Loan went into repayment period starting XX/XX/2018 with wrong interest rate. Loan issuer Navient is charging 5.594 % interest when loan documentation shows interest should be 5.31 %. Called the company to resolve ; customer service plugged in the numbers and said I was right but they would not do anything to change the monthly payment to reflect the correct interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2019 I received a call from XXXX XXXX @ XXXX stating that she was from XXXX county to inform me of a wage garnishment. I explained that I have tried several times to dispute the debt and requested information to confirm the validity of the debt. She said to contact XXXX at XXXX to resolve and she would hold until XXXX. Called and spoke with Mr. XXXX who said the only way to stop was to pay today. He advised that the payment due was {$580.00} but would settle for half. If you call XXXX it is XXXX. 

XXXX has contacted me several times and has only sent me an settlement agreement via email on XX/XX/2019 but nothing to confirm the validity of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: Experian Information Solutions Inc.
State: MS
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 have reached out by letter and phone to the credit reporting agencies about updating my personal information. and so far they have not complied, there are still addresses and names that shouldn't be on there, and I fear my identity has been compromised because of 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 explanation