BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The original mortgage was held by XXXX XXXX XXXX. My monthly payment was {$650.00}. This loan was then transferred to Bayview Loan Servicing as of XX/XX/17., with an interest rate of 10,19 %. At this point. I requested a loan modification due to my inability to pay the note based upon my income. I am a retired person with a fixed income. I did reach out to HUD for assistance in developing a schedule of my income and debts showing my inability to pay this mortgage amount. After speaking with HUD representative for several weeks and sending the schedule requested, I was unable to reach the individual who was assigned to me. After many tries, I called the main # and that persons indicated that the assigned person was out ( sick leave ) I asked if they would forward the information on to Bayview, XXXX XXXX, Asset Manager, who was the contact person @ Bayview, working up the modification request. 
I am not sure if they used the package of information sent to them by HUD, even though it was sent. 
During the modification loan process, I was told that I did not have to pay the monthly note, those missed payments would be added to the loan when approved. I did not know that they would report the late payments to the credit Bureau which affected my credit score. It was my intention to get my credit score up to a point that I could qualify for an FHA loan with a lower interest rate. 
I have asked BayView to remove this from my credit report since the total deliquent amount was added to the loan which made my loan increase from {$36000.00} to {$40000.00} ( interest being added ) My other concern is that this loan is being secured by a home ( my house ) and 23 acres of real estate.. Secured by more than 3 times that of the loan. I have indicated to both XXXX and Bay View that I did have a description of my deed with house and 3 acreage, which would cover the loan. THEY WOULD NOT ACCEPT THIS!!!! 
This property is my inherited property from my Grandfather. That is the reason I had the surveyor to cut out three acres around the house in case I wanted to borrow against. 
Secondly, the 10.190 % interest is predatory

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
XX/XX/XXXX XXXX XXXX, In the beginning, a week after the vehicle was purchased the engine light immediately popped on. Asked for a trade in was denied. A little time after a problem occurred with the wheel Barron 's  and O2 sensor in XX/XX/XXXX. After that occured one of the particular rims bent and had to get a new rim in XX/XX/XXXX. From XX/XX/XXXX -XX/XX/XXXX the engine light constantly popped on and off and brake light began to pop on. In XX/XX/XXXX had to get wheel Barron hubs done again, front brakes, and side brakes .In XX/XX/XXXX purchased new tires and tire pressure sensor went out on entire left side of the car. In XX/XX/XXXX A/C went out and Car started leaking. In XX/XX/XXXX car began to shake. In XX/XX/XXXX had to get front and side brakes done again. InXX/XX/XXXX engine began to jump every time I shifted gears. Currently XX/XX/XXXX, engine light on ( engine still jumping every time I shift gears ), tire pressure light on ( entire left side pressure sensor is n't reading ), car shakes when showing down or when press on brakes, cold air blowing out hot ( leak in the a/c ) Interest rate increased to 28 %!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I paid Amerisave Mortgage Corp {$500.00} as part of an application to refinance my mortgage. They have taken the money but not done anything with the supposed refinance. They refuse to return calls or emails ( dozens of them ) and we can't get our money back. This process started back in early XXXX, it is now XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: Experian Information Solutions Inc.
State: IA
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 had someone begin phone service in my name fraudulently in Arkansas despite me having never lived in Arkansas and only driven though it. I disputed the account with XXXX  and XXXX  over this. One immediately removed it from my credit report. The other I filed a complaint through your agency and it got removed. 

I didn't realize it was on my Experian report as well until I went and bought a car. I tried to dispute through them as well and they refused to remove it. They told me I needed to file a report with the police in the town where the event occurred. It turns out I need to physically go to Arkansas to file a report, something that is beyond my ability to do both time wise and financially. I explained to Experian and they refused to do anything. 

Thus I am filing a complaint. This is an attempt to have a collection removed from my credit report with Experian that was created due to fraud. 

The report number through Experian is XXXX Please let me know of any more information I need to provide in this matter and I will provide it if I am able. Thank you.

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: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is stating that I owe {$2000.00} for services with Synchrony Bank from 2013. Thy are not able to provide any documentation bearing my signature, where the balance is coming from and what exactly it is for. I have sent several certified letters demanding that they provide me with all of the documentation to support this, which they have failed to do so. The only letter I have received was a letter stating the balance was " verified ''. This is a COMPLETE violation of Defamation, Negligent Enablement of Identity Fraud, Violation of the Fait Credit Collection Act and Violation of the Fair Credit Reporting Act. This is severally hurting my credit score and I have spent hours of my time and money trying to get this resolved. I demand that this be completely deleted from my credit report with ALL 3 bureaus. My next step will be small claims court, which I have already filled out paperwork & obtained an attorney. I expect this to be taken care of within the next 30 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 explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: NJ
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Experian Information Solutions 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:
Companies keep reporting inaccurate wrongful information. The bureaus will not report factual, accurate information, but keep blocking my " verification access '' through phone calls or online requests and keep asking me to send them my information and it all goes back in a never-ending loop. 

Experian XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Account XXXX XXXX XXXX XXXX Account 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 2020-07-18
Company: Santander Consumer USA 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: Credit inquiries on your report that you don't recognize

Complaint:
Creditors performed hard inquiries for mortgages on my credit profiles. I lost my wallet with access to all my personal information in XX/XX/2020. I have since placed a Fraud Alert on my consumer profile. I was not contacted prior to my credit being pulled, nor did I authorize the company to pull my credit. Please verify the application for credit and show me proof that I indeed applied, or please remove these inquiries from my credit profile as they are hurting my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
MY CHECKING ACCOUNT today, XX/XX/2018, # XXXX, had a small ACH deposit. This was the ONLY account activity during the last two ( 2 ) days. however, the online screen reflected {$0.00} available balnce -- the availabel balance should have effectively been {$1000.00}. 

in telehone conversations with PNC Bank ( including XXXX XXXX, Supersivor ), NOYHING is being rectified -- he pointedly said there is some type of unexplained Hold on the account and will NOT remove it. i AM STILL " ON HOLD '' ON THE TELPHONE WITH HIM VERY UNACCEPTABLE AND ILLEGAL BEHAVIOR!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX  XXXX XXXX, XXXX XXXX, XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, XXXX  XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: LEXISNEXIS
State: NV
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:
On or around XX/XX/2020 I submitted a dispute with lexis nexus for a auto claim record. This record does not belong to me but my ex husband and we were divorced at the time. I received a letter that said it would be deleted and 6 months later its still on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: ERC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX called 10 to 15 times a day using different numbers. When I answer the caller is rude and stated that there is a body bond out there and that I will be arrested if I did n't pay the debt. signature nor has the company provides the requested sign copy of proof as set by the FDCPA, FCRA acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
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: Public record information inaccurate

Complaint:
Since 2020 Ive been disputing these incorrect bankruptcies reporting on my credit reports. Its unconstitutional that the people who protect and serve this country get treated like this. These inaccuracies are destroying my credit and keeping me from doing the simplest things to provide for my family. I have been going back and fourth with the bureaus since early 2020 I have asked courthouses do they share information with the credit bureaus they told me NO, Ive disputed with XXXX stating that the information is inaccurate which in return they were deleted from XXXX. I have sent these corespondents to the bureaus and in return they keep telling me the information is verified with no supporting documentation to show. Either way the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. C. 1681l ) and the information must be deleted immediately!!!

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 2021-10-04
Company: The Bureaus, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is NO Third Party Involved. 

THE BUREAUS INC is violating my consumer rights under 15 U.S. Code Chapter 41 - SUBCHAPTER VDEBT COLLECTION PRACTICES.

THE BUREAUS INC have used abusive, deceptive, and unfair debt collection practices.

THE BUREAUS INC have violated my consumer right to privacy, I NEVER gave them any my information directly and THE BUREAUS INC has committed the crime of IDENTITY THEFT.

I am a consumer and natural person of the United States of America and my consumer rights have been violated and I demand a quick and proper resolution.

I am holding the THE BUREAUS INC civilly liable for their gross negligence. Attached is an affidavit of fact that includes the FDCPA violations and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Sequium Asset Solutions, LLC
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:
Six months ago A Georgia Company called Sequim Assets entered a false report of a delinquent. XXXX Account. I went through the process of contesting the Debt and they were unable to provide any proof of Debt. 
They have now either sold or transferred this fraudulent charge To XXXX XXXX in XXXX XXXX New Jersey. 
Do I have to go through the whole process of proof of Debt letters agin to this different company? 
IS it legal for collection agencies to just keep selling or transferring a debt that his been proven to be unsubstantiated?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
On XX/XX/XXXX I sent a letter to TransUnion to request validation of a Bankruptcy listed on my credit report. On XX/XX/XXXX TransUnion sent me a letter with their investigation results. It stated that the item was verified as accurate. On XX/XX/XXXX I sent a letter again to TransUnion stated that I asked them to validate the alleged Bankruptcy they are reporting and the Bankruptcy was verified by the courts. I went directly to the courthouse and they claimed they never verified the bankruptcy and I enclosed a letter from the US Bankruptcy Court of Minnesota. I asked for this item to be deleted off my credit report as it is NOT validated. On XX/XX/XXXX I received a letter from TransUnion stating again the Bankruptcy was verified. Then again on XX/XX/XXXX I received a letter from TransUnion stating that their records show the investigation was complete and they are not required to reinvestigate the same item again at this time and that if I have any additional information I can upload it and they will complete a reinvestigation. I have provided to TransUnion a copy of each letter I have sent and the letter from the US Bankruptcy Court of Minnesota as well as their own documents they have sent me with no resolution. I called TransUnion today XX/XX/XXXX to discuss this account and went through my request letter by letter and asked for this information to be removed from my credit report as they have not properly validating this account. I was told they did not have to provide the 3rd party agency if they used one as a part of the validation or verification, she stated that they probe for the information and report it to consumers credit reports. She stated she could no longer assist as the information is correct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IQ Data response was all inaccurate. There was no statement made by me and company has failed to abide by the law. I have communicated with this company with every verification. They are acting against my fair credit reporting acts and at this point acting against all laws and my rights. 
This company needs to be investigated. Their response is fraudulent/lies like their claim. They refuse to investigate and just want funds that's not owed to them. They claimed to be a tenant debt but have no court judgment. This company is using their ability to their advantage illegally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-12
Company: Experian Information Solutions 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 have a negative credit reporting due to a company selling my information to a collection agency while in contact with me without my knowledge.

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 2021-04-05
Company: WLCC
State: AZ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
The calls before XXXX XXXX started last Wednesday on XX/XX/2021. I returned call and told the representative they are calling me before XXXX and she told me it was a automatic dailer I told her its there responsibility to make sure it is calling me after XXXX my time. I then ask for a supervisor and would not transfer the call. I got a call again today XX/XX/2021 before XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof. When questioned about this, they decided to not provide proof at all. 

I sent them another certified letter delivered on XX/XX/2020. To date, they have not provided proof of their investigation. They've had over 60 days to send me proof, and they have consistently ignored my requests.

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