BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-28
Company: LAKEVIEW LOAN SERVICING, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My current mortgage is through XXXX XXXX - Lake View Loan Servicing When I originally sign my mortgage I was also provided down payment assistance through XXXX Down Payment Assistance, this was coded as a second mortgage and had deferred payments for the life of the loan and the interest was not to be added until the end of the loan. 
My original mortgage company sold both of the mortgages and the company I have now is harassing me to pay the second mortgage. I have always been on time for the mortgage for my home. The Down Payment assistance grant they are trying to charge me for, since XXXX of this year, and they are also charging me late fees for this loan that is not supposed to be due. I have called them four times now and have been waiting two weeks for them to answer my ticket. Each time I call they tell me I am correct and they should not be charging me for the loan but then they take no action to correct their mistake and are still contacting me saying I owe late fees. This has added unneeded stress to my life and I should not have to call a company four times to resolve something that they admitted was their mistake on the first call.

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 2023-04-26
Company: W&A Intermediate Co., LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Collections company has been calling and harassing my mother for over a year when shes not responsible or tied to this debt. I never received written notice for this. I dont believe this debt collection account is mine. Company has been calling me numerous times after I asked them to stop and calling later at night after normal business hours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Experian Information Solutions Inc.
State: CA
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:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of 2020 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX  ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in this matter. Very Respectfully, 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 2020-10-28
Company: EQUIFAX, INC.
State: AL
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 XXXX I submitted a complaint about XXXX XXXX posting negative on my credit report while they was are in Bankruptcy on account. XXXX XXXX  was removed from all 3 of the credit bureaus but my credit score damage still remain and was drop 75 points for the damage cause by XXXX XXXX  reporting. I was told in a few months my score would improve and it would return to normal. So far that is not the case and my score has not increase from the removal of the XXXX XXXX debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: EQUIFAX, 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: Account information incorrect

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), EQUIFAX is required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following company I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA.
XXXX XXXX XXXX AMT {$1200.00} The above company has not provided an original signed contract with my signature and therefore MUST be deleted from my credit report immediately.
Due to poor lack of investigation and communication I 'm requesting that all of the account be DELETED from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: ENCORE CAPITAL GROUP INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland is reporting in my credit file however it is inaccurate because it was said to be late, yet all the payments are OK. I do not think that this is mine. I did my research on what to do because it is affecting my scores to badly, I asked for documents, disclosure and where did the account come from but they failed to provide me, so I came online and researched. The plaintiff is asking the same thing that I wanted and at the end of it all the plaintiff won this case. I am talking about the Texas VS Midland Funding Case. I have learned that Midland claims to have a disclosure and an agreement that there is a Consumer Agreement for all who they are collecting from. I guarantee you that there is no such thing that I have agreed upon to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: LA
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 opened a dispute on XX/XX/XXXX about child support never was once paid since XXXX I submitted all my payments from the texas attorney genera ; website! the debt they reporting is XXXX but im including all my payments that get deducted out my paychecks and more!

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 2019-08-20
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a XXXX XXXX VA XXXX XXXX veteran. I am cosigned/paying for two separate student loans for my Son whom is attending XXXX  XXXX University in XXXX. I am unable to negotiate a lower interest rate. Nor am I able to make these loans not count so harshly against my credit score. I have done all that I can in dealing with Sallie Mae. I don't know what I don't know and I am really just trying to get the best advice and interest rate possible. Please advise The two loans combined exceed {$47000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Santander is trying to collect a debt and reporting negative information to my credit report for an account that that been paid in full by XXXX XXXX auto insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
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: Information belongs to someone else

Complaint:
I sending this information to you because I found many accounts open under my name this fraudulent accounts are fraudulent 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 2020-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I had been browsing the internet and a servicman is eligible for help with Capital One Bank even if not presently serving the military but another alternative for a Veteran as myself but not approved after stating I would hear from the bank in days as approved but misleading not exactly stating in words. A Veteran is never to be denied a benefit when in need financially but I was by Capital One Bank. There was guarantee of financial assistance with Capital One Bank because of serving your country now disapproved. It may have been thousands of dollars offered which is needed but they don't want you to have the money offered an injustice to me as a Veteran and senior citizen of the United States of America.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-09
Company: CURO Intermediate Holdings
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:
On XX/XX/2020, Ad Astra Recovery Servic add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA Ad Astra Recovery Servic has violated my rights as a consumer and I requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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: Account status incorrect

Complaint:
I sent a letter to XXXX  over a month ago, didnt hear anything back, so i sent a XXXX letter asking them to remove the wrong accounts. I thought the credit bureaus had 30 days to respond? It's been over a month, Ive sent XXXX letters and i have not heard anything back from them!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: DISCOVER BANK
State: MA
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:
Due to the corona virus I was not able to make my monthly payment on my credit card. Discover Card put a negative mark on my credit report. I made a hardship agreement with them and they told me no negative marks would go on my credit. Well it did. Want it removed due to the sisuaction going on in the world at this time. And I set up a withdrawal every XXXX of the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Greetings, In XXXX, I obtained two subprime mortgages from XXXX XXXX XXXX  XXXX to purchase my home. Although, I had average credit score at the time I was sold the mortgage, I was considered dome to go into foreclosure. I was not aware at that time that my community was redlined. In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 

JP Morgan Chase took over my loans shortly after purchase from XXXX XXXX XXXX.. I spent more than 10 years trying to negotiate fair mortgage terms with chase. On XX/XX/XXXX, I reignited with mortgage complaint about the following matter : 1 ) I was approved for a refinancing by you which was withdrawn without explanation until one of your employees accidentally revealed that my mortgage was in a nonnegotiable category. 
2 ) In my community within 5 years, 90 % of the people sold the subprime mortgage by XXXX XXXX were XXXX and ended up in foreclosure. 
3 ), my mortgage interest rate remains higher that the market rate even though I had good credit. 

In XXXX I realized that my mortgage was not withdrawn my Chase and I was informed that my mortgaged was transferred to another lender. I consider this matter retaliatory and this resulted in my XXXX mortgage not being paid due to lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/17 I happened to be viewing my account balances online of my Bank of America debit card and noticed 2 charges ( {$150.00} x 2 ) for an XXXX  purchase of which I did not make. I immediately suspended my card via my Bank of America app and then immediately called Bank of America to inform them of the situation. I stated that my debit card had been compromised and I wish for the charges, that were in real-time in a " pending '' status. I wanted them to, especially since the charge was in pending status, not authorize the release of the fraudulent charges totaling {$300.00}. They refused. They stated they would allow the charges to go through and I could at that time dispute the charges. I was stunned and stated if you allow these fraudulent charges to be stolen from my account I would then, possibly, be in a fight with you for the refund of my money. They stood fast on the issue. They were not going to stop the fraudulent charges. Upon Bank of America 's release of my money to a online thief, I filed a refund request and was denied. I executed all federal ( in addition to B of A required guidelines ) required guidelines in order to qualify for a refund on fraudulent charges made to my account.

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 2020-05-15
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:
I have a XXXX account being reported to my Experian credit file Ive contacted XXXX and Experian for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.

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 2021-12-09
Company: SinglePoint GI
State: IN
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is using predatory collection tactics in order to have me repay them on a debt, that I am paying to the original creditor. I was contacted by phone from this company in XXXX of 2021. They informed me that they were attempting to collect a debt that they purchased from XXXX XXXX University. I informed the representative that I was making payments directly to XXXX  XXXX University, and I would not send any payments to them. They told me that they would review the account with the original creditor and update me on the situation. Without any previous notice, on XX/XX/2021, The company GENERAL REVENUE CORP, placed this derogatory collection account on my consumer credit report. They have falsified information about the account stating that the account was placed in collections on XX/XX/2021. I have proof that the original creditor accepted two payments from me between XXXX XXXX and XX/XX/2021. GENERAL REVENUE CORP, has violated my Consumer Rights and damaged my Credit Report with these predatory tactics. I demand the immediate removal of this false account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: CITIBANK, N.A.
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:
I recently found out that I have a lot of hard inquiries on my credit report. These are not factual reports I did not give consent nor did I give them permission I put a security freeze on my account off and a security lock on my account this morning I have contacted the company I noticed I gave them my full social security number my address my phone number all of my information and they could not find any account that was opened or attempted to get open however this company indicates and shows up on my credit report on all 3 credit bureaus. I am asking that this gets removed from my credit report within 30 days or I saw seek legal action. XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX Address identification number XXXX here is the second complaint. 
XXXX Date of request XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX Address identification number 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 2018-02-28
Company: AES/PHEAA
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: Account information incorrect

Complaint:
On XX/XX/XXXX, I entered a complaint regarding inaccuracies on my credit report regarding student loan reporting. The compliant was closed as " Verified ''. However, there are several Fair Credit Reporting Act violations AES advised that they serviced 2 Federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX XXXX XXXX advised that they serviced 2 federal loans that were issued on XX/XX/XXXX from : XX/XX/XXXX to XX/XX/XXXX, returning them back to Dept of Education, XX/XX/XXXX On my credit report, there are reportings containing information that is either missing, inaccurate, or inconsistent between the 3 major bureaus. This information is in the following fields : - Balance - Last Activity date - Terms - Scheduled payment - High Balance - Account numbers ( either inaccurate or incomplete ) According to the Fair Credit Reporting Act, in order for information to stay on the credit report, it must be verified, proven, complete, accurate, and consistent with all bureaus. If any of these items aren't met, item must be deleted from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
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:
Ive been going over my credit report and I saw some incorrect accounts that were on there. I do not ever remember applying for credit with your company, so I would like to know what permissible business purpose you had for pulling my credit? 
My credit score is really being affected and its getting in the way of my financial ventures because of this. I want to dispute these accounts until I get to the bottom of this.

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