BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-02
Company: TCF NATIONAL BANK
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2017 I made two loan payments on my vehicle which should have been applied toXX/XX/XXXXr andXX/XX/XXXX. InXX/XX/XXXX I made a payment which would have accounted to XX/XX/XXXX.XX/XX/XXXX we had a thin month so I did not make a payment since that month 's payment was already made. In XX/XX/XXXX, I made my XX/XX/XXXX payment 8 days late for which a late fee was added. On XX/XX/XXXX I made another payment which would have been for XX/XX/XXXX. My next statement with the company still indicated my XX/XX/XXXX payment was due and a late fee was charged on my late fee that was assessed on myXX/XX/XXXX payment. I made myXX/XX/XXXX payment on theXX/XX/XXXX, one day before the due date of theXX/XX/XXXX. As of today, company still shows that I owe for myXX/XX/XXXXpayment. I contacted the company on XX/XX/XXXX to discuss this. After reviewing my payments with the CSR, he agreed that there appeared to be an error on the part of the company and attempted to transfer me to the department best suited to handle this. The transfer could not be made so he sent a message and advised me to call back on Friday XX/XX/XXXX. I called on XX/XX/XXXX, the CSR saw the note on my account and attempted to transfer me without success. She assured me she would email the department and I would be contacted within 24 hours. As of XX/XX/XXXX I have not received a response and my account has now been assessed another late fee on the late fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
THIS IS STILL NOT RESOLVED! and cfpb I need to add you to my complaint. When are you going to investigate this and do something about it! 
This has been over a year now that I have been trying to resolve this. It's lakeview loan servicing/my loan care that made the mistake! 
They overpaid my taxes. They didn't even wait for the bill. AND THEY DID IT AGAIN and AGAIN! They sent {$1000.00} XXXX20 and {$260.00} on XXXX2020. That's like double that was due! 
THIS SUSPENSE ACCT XXXX IS JUST ANOTHER SCAM FOR THE MORTGAGE COMPANIES TO RIP YOU OFF! 
If they wouldn't of sent {$1000.00} instead of the XXXX that was actually due, I never would of needed any suspense acct! I paid exactly what my closing papers showed for the first year - which was correct. Instead of having {$590.00} in my escrow acct after they paid my insurance Loancare shows me as having an escrow shortage. AND IT JUST KEEPS GOING MONTH AFTER MONTH! WHEN IS SOMEONE GOING TO GET OFF THEIR XXXX AND DO SOMETHING. I am dealing with XXXX   XXXX XXXX and I don't need this 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 monetary relief
Consumer complaint received 2018-03-19
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:
In XX/XX/XXXX I filled a dispute for accounts : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Bankruptcy Ch-XXXX, And Hard Inquiries : 1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX/XXXX   XX/XX/XXXX 3.  XXXX/XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX Using their online dispute tools, I wrote : I have no contract with this 3rd party collection agency, therefore Im not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

And, I did not file bankruptcy, therefore im Not liable. I request this false information be removed from my credit report immediately or to receive proof of validation under FCRA 609. 

On XX/XX/XXXX XXXX  removed the account from my credit report. But on the same day XXXX   allowed XXXX XXXX XXXX to resubmit the false information. 

And there is an account, XXXX XXXX XXXX XXXX, on my Credit Report that does not belong to me. I disputed this information with XXXX requesting validation of the account ( i.e. any contracts or proof of agreement to pay ). I still have not had this item removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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 received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX {$1000.00} XXXX {$9500.00} XXXX {$610.00} XXXX {$410.00} XXXX {$920.00} XXXX {$100.00} XXXX {$68.00} XXXX {$470.00} XXXX {$20000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/XXXX, I tried to take out a hardship from my 401K they denied it twice charging a total of {$90.00}. Instead of letting you know what missing paperwork you have to approve it, they deny it to maximize their revenue. They told me insurance is pending so it doesnt qualify if insurance doesnt pay itll just make the bill even more and the amount I requested didnt cover the complete bill anyways. I pointed out where insurance was forwarded to the bill and patient balance was {$490.00} they said that wasnt good enough. No where on their website do they describe exactly all thats needed or what exactly is appropriate information! They said they needed patients bill showing what insurance covered I sent them the bill that says what insurance was pending and the patients balance. Their requirements arent specific on whats appropriate or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: Exeter Finance Corp.
State: NJ
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 XXXX XXXX, 2017 HARD INQUIRY ON CREDIT REPORT THAT I DID NOT AUTHORIZE, PLEASE REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These accounts are fraudulent : XXXX XXXX XXXX {$3600.00} XXXX   XXXX  {$740.00} XXXX XXXX {$200.00}

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 2019-05-02
Company: Experian Information Solutions Inc.
State: MI
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:
These accounts are fraudulent : XXXX XXXX {$490.00} XXXX XXXX {$470.00} XXXX & XXXX XXXX {$520.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX   XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
i sent out multiple dispute letters and have not heard from credit bureaus

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: OPORTUN FINANCIAL CORPORATION
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:
My complaint is about Oportun / Prog, I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below. I did not authorize two inquiries on my XXXX Credit Report on XX/XX/2019. Please remove immediately. 

Oportun/prog Inquiry from XX/XX/2019 Oportun/prog XXXX XXXX, CA XXXX ( XXXX ) XXXX Oportun Inc/ Oportun Inc/ XXXX XXXX , CA XXXX Inquiry from XX/XX/2019 XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: EQUIFAX, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information. 
According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

1.SYNCHRONY NETWORKS

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 2018-12-13
Company: LEXISNEXIS
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 would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX .

Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mother died XX/XX/XXXX .My brother and I lived with my mother and paid her XXXX monthly for six years.We never knew the what the mortgage payment was.When we called the lender they refused to give us any information even though we told them the CFBP issued in XXXX and a rule issued in XXXX gave successors in interest certain rights such as being added a borrower without triggering the ability to repay rule.We are now in court going through a foreclosure. All we want to do is find out our options to keep the home.We have been in court two years with attorneys  that will not speak with us because instead of them trying to resolve the situation with us they foreclosed on the home even though they were aware of my moms death and we brought it to the attention of the court and filed a motion to dismiss which was granted, We are now going through the process a second time, They knew they could not foreclose on a deceased person so there is no way they are going to be nothing but adversarial which they are because we informed the court about what they were doing was illegal .We would like to speak with the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payments on the date below : 30 days late as of XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) 30 days late as of XX/XX/XXXX and XX/XX/XXXX ( XXXX and XXXX ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-04
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This complaint is about a Fifth Third credit card Three months ago they charged me a {$1.00} fee and a {$29.00} late fee. As I have not been late with a payment in over 40 years of credit history I called them to determine what had occurred. They advised that there was a " glitch '' in the system and that not just me, but all of their consumers had not received their e bills that month. They apologized and refunded the late fee and the {$1.00} fee.. I made a formal complaint and received a written response from XXXX  XXXX at the Office of the President dated XX/XX/XXXX apologizing. 
The following month I received another {$1.00} fee. I called to determine what this was for and the CSA advised that my payment was late. As I paid the bill THE MINUTE that I received the email notification that it was due, I was stymied. The CSA advised that it takes them 5 days to process online payments and thus the payment would be late. I responded that obviously then they are sending the e bills out too late if there is no way to pay the bill on time, even if paid within minutes of receipt. I began to understand that this is not in fact a mistake but an unethical ongoing practice. They once again apologized and reversed the fee.. 

For the third month is a row I received a {$1.00} fee once again on my statement. This time I was told that it was " interest ''. I advised that I had an interest free offer until XX/XX/XXXX and should not be being charged any interest. The CSA had no explanation. I asked to be transferred to a supervisor and I was advised that no supervisor was available. The fee has not yet been reversed although the CSA advised that it would be. A new statement is arriving by ebill on XX/XX/XXXX and I have no doubt that once again there will be a {$1.00} fee. If they are doing this to each and every consumer they are stealing a great deal of money, now in a pandemic crisis. This is clearly an unethical policy and NOT a series of mistakes. The other consumers that are more overwhelmed and diligent than myself probably have no idea that this is happening to them. I am thereby making a formal complaint and requesting that you launch an investigation into Fifth Third. All fees extracted from consumers should be returned to them as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A number of accounts that don't belong to me are been posted in my credit, that is when I learn that my identity has been stolen, upon reading about identity theft it says that I had to report this incident with the FTC and fill out a report with the items in question. further more according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent, unverified accounts must be removed. Please send me that information or remove these accounts from my credit, the law is very clear about this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07
Company: Experian Information Solutions Inc.
State: CT
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 disputed a recent charge off showing on my Experian credit report. I explained that I am a victim of a declared disaster as I am currently unemployed due to the pandemic. I contacted my creditors to explain this hardship, and 2 of them set up payment arrangements. One of those creditors took the payments but still charged the account of. They also did not flag my account as being a victim of a natural disaster. Experian claims they investigated, in 2 days, and that the creditor confirmed that the information is accurate.

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 2020-02-03
Company: Penn Credit Corporation
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:
Pen Credit is attempting to collect a debt that does not belong to me and i have disputed this debt with this company for over 6 months. They have not investigated my dispute properly and my credit report is being damaged. Once I discovered the account on my credit report i reached out with a dispute letter to the collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation