BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
RE : XXXX XXXX XXXX, XXXX, MA, XXXX The mortgage is now with Community Loan Servicing LLC, and they are attempting to foreclose. Community Loan servicing sent me a letter on XX/XX/XXXX, reference XXXX, that foreclosure proceedings would be started if XXXX XXXX ( also on the title of my home and responsible for paying the mortgage, on the note ) does not contact them. 
Attorney XXXX XXXX XXXX submitted in writing a document to XXXX Court, signed on XX/XX/XXXX, stating that his client, XXXX XXXX had been paying his mortgage. 
There is no contact from XXXX XXXX or from XXXX XXXX with additional information. 

Furthermore, there have been a number of forced entries in to the home and the XXXX Police have repeatedly refused to file reports. 
This occurred again on XX/XX/XXXX, even after a police officer stated that a window was open at the house during an investigation after an XXXX alarm went off at XXXX XXXX. 
Someone appears to be watching the house. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: NY
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 Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I joined the XXXX, upon graduation from college in XXXX of XXXX. I reported to basic training on XXXX XXXX of XXXX. Prior to entry on to XXXX XXXX, I contacted XXXX XXXX, then my student loan service contractor. I told them I could not pay the monthly payment of {$1200.00} a month and told XXXX XXXX that was reporting for active service. At no time did anyone suggest that I apply for an income driven repayment plan, which I found out a month ago, would have been my best option, as the payments would have been small, affordable for an XXXX, and would have counted towards the 120 payments for public service loan forgiveness. 

I was encouraged, on that phone call, to place my loans into long term military deferment. At no time during this conversation was I ever told my loans would capitalize. At some point, my loans were transferred or purchased by Navient. I was not made aware of this until one day a few years ago, possibly in XXXX, that Navient had taken over my loans. 

At no point in that written correspondence was I made aware of income driven repayment options. 

It was not until XXXX XXXX XXXX, a XXXX XXXX XXXX, came to my battalion formation and spoke about XXXX and income driven repayment that I came to be made aware that my loans had now ballooned to over {$100000.00} in the last 7 years. 

Had I been given the correct information 7 years ago, I would have been in IBR, and then REPAYE, and been 3 years from PSLF. Instead, I am facing the crushing realization that I have yet to make a single payment towards PSLF which would otherwise be happening in about 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have an AmEx gift card, which is being declined despite having verified that the balance on the card is much larger than the cost I'm trying to process on it. I tried to get through to customer service, but there's no great way to do that. Once you finally get through to a person, they explain that you can use this card online anywhere! except places that require a billing address be entered for your payment info, since there is no billing address attached to the card, and AmEx can't attach one. And I don't know anywhere online that doesn't make you provide the billing address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-09
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: Personal information incorrect

Complaint:
I reviewed a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses I have never resided with and may possibly belong to a relative. For the record, I have lived at the same address for five ( 5 ) years. 

My correct name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY, they are not accurate. 
My current address is XXXX XXXX XXXX XXXX XXXX OH, XXXX and I have resided here for 5 years. 
All other addresses are not accurate, please remove them IMMEDIATELY. 
XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXXXXX OH , XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXXXXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX. 
Please remove the above addresses they do not belong 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 2022-09-12
Company: LEXISNEXIS
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:
Lexis-Nexis have compiled numerous inaccurate data and reported-sold that inaccurate information to XXXX, XXXX and XXXX, currently showing as accurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish account without my written instructions. U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than several years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
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:
The following is a description of the indecent taken straight from case summary Throughout the document I am of course referred to as the " Plaintiff XXXX XXXX '' : Plaintiff, XXXX XXXX lived in his home as his primary residence for more than 25 years. XXXX had paid all loans and therefore owned 100 % equity in his home. XXXX discovered, sometime after the fact, that a Deed of Trust had been executed granting XXXX real property in trust to XXXX XXXX XXXX or its predecessor in interest with the power of sale in the event of a default of said promissory note for {$700000.00}. The lender was named as the beneficiary in the Deed of Trust Upon discovering that an unauthorized note and Deed of Trust had been fraudulently executed, XXXX notified the servicer of the loan, that he, XXXX was in fact the homeowner, but was not in fact, the borrower. XXXX identity had been stolen and therefore the person posing to be the homeowner was in fact an imposter. Homeowner informed the broker, lender and servicer that the alleged loan, the Promissory Note and Deed of Trust were in fact the product of fraud and Identity theft and are therefore void. Notwithstanding, the notice from Plaintiff, the lender continued to take actions to effect a non-judicial foreclosure of Plaintiffs home. The lender and its servicer took no action to file a suspicious activity report XXXX with the appropriate administrative authority. The lender and servicer instead caused a Notice of Default NOD to be recorded against the Homeowners property on or about XX/XX/XXXX, XXXX Thereafter, Plaintiff filed the instant suit based on information and belief that the imposter fraudulently posed as Plaintiff, XXXX. Also named is the individuals attorney, the lender, the servicer, the broker, the originator, the escrow officer the escrow company, the Trustee and the Notary Public used to notarize the fraudulent signatures.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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: Account status incorrect

Complaint:
I reviewed my Consumer Reports and noticed that I had four late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX XXXXXXXX [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 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 explanation
Consumer complaint received 2019-07-24
Company: Innovis
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019I was notified and alerted by credit bureau XXXX that CBCINNOVIS requested a copy of my credit report for a mortgage loan. I never applied for a mortgage loan. This was done in error and without my consent. 

On XX/XX/19@ XXXX 1st attempt to dispute the validity of the inquiry. Spoke with XXXX XXXX over the phone and via email @ XXXX on XX/XX/19@ XXXX. She said she would speak with the account manager for the company XXXX XXXX and for me to circle back with her and him on XX/XX/XXXX @ XXXX. Mr. XXXX said that he had made the correction on the inquiry that was done by error and that he was going ask for a reversal of this but yet on XX/XX/19after I spoke with him at XXXX he said he had sent a correction letter to XXXX, XXXX  and XXXX  but today XX/XX/19@ XXXX I spoke with representatives from these credit bureaus who tell me that they have not receive anything from XXXX  XXXX  or Innovis for the inquiry to be remove from my credit file. I have too long for this error to be resolved and nobody is taken responsibility for correcting the issue. In the mean time my credit score dropped from XXXX to XXXX due to this inquiry. I have worked hard to maintain a good credit score and a good credit history for the past 5years for them to just ruin my reputation in a day. This is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
To whom it XXXX concern, I hope this letter finds you well. I am writing to bring to your immediate attention a pressing matter about my student loan account, which Edfinancial Services manages. I am deeply concerned about the lack of response and the unsettling discrepancy in the payment of {$20000.00} that I have made towards my student loan. 

To provide a clear account of the situation, I wish to highlight the following facts : On XXXX XXXX, a total amount of {$20000.00} was debited from my bank account by Edfinancial Services as a payment towards my student loan. I possess the payment confirmation email sent by your organization as incontrovertible evidence of this transaction. 

However, the disconcerting issue at hand is that this payment, though substantiated by documentary proof, is inexplicably absent from Edfinancial 's records. Moreover, it has come to my attention that Edfinancial Services is unaware of the location of this payment. 

This lack of accountability and transparency in financial transactions is gravely concerning, particularly when it involves government-funded loans designed to support students in pursuing higher education. In a world where financial transactions are conducted with precision and transparency, Edfinancial Services ' failure to acknowledge and properly record a substantial payment is disconcerting and undermines the trust and credibility associated with government-affiliated entities. 

Regrettably, I have discovered that my experience is not an isolated incident. Numerous students have reported facing identical issues with Edfinancial Services, casting a shadow on the reputation of both the United States government and the U.S. Department of Education. 

This is a matter of utmost seriousness, one that requires immediate attention and resolution. I implore you to take this matter with the utmost seriousness it deserves and address it at your earliest convenience. The impact of this issue on students ' financial well-being can not be overstated, and Edfinancial Services must rectify this situation promptly. 

I eagerly anticipate a prompt response and a swift resolution to this matter. Your cooperation and expeditious attention to this issue are greatly appreciated. I can be reached at XXXX if you require further information or clarification. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
My address and names on my report still reporting wrong I've ask them to update information but they refuse too...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: WELLS FARGO & COMPANY
State: NY
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered that my home was broken into by XXXX XXXX on XXXX XX/XX/2022 and the locked to my private property where changed, the premises ransacked and all my personal property belonging destroyed and missing. I blame there sender WELL FARGO BANK they failed to " properly supervise and monitor '' the contractors and subcontractors. This all took place while I was away probation my father 's estate as he just passed as a grieving XXXX veteran this is unacceptable as I have no contracts with Wells Fargo nor XXXX I hold the XXXX and XXXXXXXX XXXX from IRS and XXXX Homes Loans whom I acquired my home from this is unlawfully and illegal barring, larceny, braking and entering, and alot more this needs to be addressed thank you. By : 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 2019-09-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I attempted to buy concert tickets from an individual and tried to pay with PayPal and transfer the payment upon receipt. Since they were virtual tickets I needed to transfer without a tracking #. After payment the perpetrator did not transfer the tickets. Which I assume could have been a scam from the start. 
I have filed a complaint with XXXX about the following post. XXXX XXXX XXXXXXXX I have filed a police report in XXXX XXXX and want to know what can be requested for account holders placing fraudulent ads. I will be taking the lister to small claims court assuming I can get contact info. 
The # in question is registered via XXXX XXXX. XXXX XXXX : XXXX XXXX : XXXX XXXX, XXXX. 
I have filed a claim with PayPal in an attempt to get contact or bank information for the perpetrator. 
Basically I need FBI or local police to get the contact info from PayPal so I can take the fraudster to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage holder on my personal home has engaged in unfair debt collections practices on multiple occasions. I will outline three of them here : 1. The lender or lender representative tried to gain access into the home and did go into the fenced backyard without any legal documentation giving them the right to do so. Moreover, they engaged with an individual in the home and shared information about who they were and why they were there in a somewhat intimidating manner, which created a problem with my renter. To try to make ends meet, I have taken in a renter ( business colleague ) in a portion of the home as I dont use the entire home myself. I dont think that they are allowed to gain access to my home or property in that manner. They have created an uncomfortable environment as we dont know when they will return. They also created an unsafe condition by not wearing masks and being too close to my renter who has a new grandchild that was visiting at the time. 
2. During this pandemic, the opportunity to defer payments has been given to FHA backed loan holders, of which I am. This has been formally requested but no response has been given by lender. I also asked for a loan remodification and none was offered.

3. The lender is trying to circumvent the legal system by not speaking with my attorney who has been handling this issue and directing themselves to anyone in the home, not even the note holder. As the bank will not seem to work honestly with me directly and I am not sure of my rights in this situation, and with the pandemic, I have contracted legal assistance over a year ago and they are fully aware of my representation. I have paid my attorney to avoid exactly what has occurred. 
I do not see how the above actions could fall in line with the Fair Debt Collection Practices, FTC or State Guidelines. I would like to have the issue investigated and some action taken to prevent this abuse of my rights, particularly in this time of an epidemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
At the end of my lease agreement with XXXX XXXX for my 2015 XXXX XXXX lease, I was not made aware of the {$390.00} disposition fee. I received a final bill after the lease was up onXX/XX/18 in the amount of {$0.00}. 

No calls were made to me in an attempt to collect the debt of {$390.00}. It was only after checking my credit report when I noticed that the score had severely dropped due to this disposition fee that I was not made aware of. Because XXXX did not receive a payment in this amount, they " forgave '' my fee and claimed that they covered the debt on my behalf. This was not preferred on my behalf. 

Once I called XXXX and became aware of the fee, I immediately paid the debt and have received confirmation of the payment.

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