BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I got a letter today from Lakeview Loan Servicing , LLC concerning a data breach in their systems. They informed me this occurred between XX/XX/XXXX to XX/XX/XXXX. They then told me in the letter that on XX/XX/XXXX that the information accessed had my information included, including my ss number and my name. Also, between this time period is when I had my mortgage transferred over to this company. Whenever I sold my home to have the mortgage paid off through a lawfirm, the law firm even told me that they were showing a XXXX balance on the mortgage and that it somehow got paid off before i sold my home in XXXX of XXXX. I believe something fishy is going on with this company. I would like to see if I can recover my funds from this company or if it is possible to seek out a lawyer to recover the funds from which the house was sold back in XXXX of this year. The law firm is XXXX XXXX XXXX in XXXX north carolina. whenever i approached them and told them i was selling my home, they informed me that the loan was actually already paid off somewhere between XXXX and XXXX of last year, the same time the data breach occurred. i would like to get all of my money back from them because I feel like a scam has occurred and this hurts my heart and is heavy on me because of it. i do not accept their 1 year credit monitoring service because I already have credit reporting alerts from all three bureaus. I am a XXXX vet and I will get my state attorney general involved. their credit monitoring service is not enough

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 2021-04-27
Company: EQUIFAX, INC.
State: FL
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:
ATTN XXXX Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Experian Information Solutions Inc.
State: NC
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:
XXXX XXXX is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX and, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.

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 2020-07-12
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Navy Federal Credit Union, is partial towards members, or ex members. whom has filed Bankruptcy. If a member has financial hardship. He or she should not be rewarded, with the discontinuation of their membership. I know its a HORRIBLE ACT, to afflict on a Veteran and his or her family members.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: Gallatin Valley Financial
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX of XXXX XXXX XXXX has been harassing me for weeks. He has been told several times to stop calling me at work, my dad 's business and my wife. I tried to correct the issue to the best of my ability. Offering a payment plan and a lump sum payment down the line. He now blocks his number when calling as it always shows up as Unknown. I am sick and tired of my phone constantly ringing. He also made multiple attempts to charge an FSA card after being told it would not work by the FSA company. He then tried to charge my bank account for {$2600.00} without my knowledge or consent. He also sent a text to my cell phone from his personal cell phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Unexpected or other fees

Complaint:
I have maintained communication with this company over 5 years both during college and after I graduated. I have made payments, requested documents ect. I want to negotiate a lower percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-29
Company: Experian Information Solutions Inc.
State: IL
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 have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion is incorrectly reporting me as an Authorized User on XXXX card ending in account # XXXX. I called XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User and XXXX and XXXX have removed this from my report but Transunion has not. I have contacted the bureau to fix this issue but they have not fixed it yet. The negative information is harming my credit score.

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 2018-03-12
Company: Omega RMS, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This Collection Agency named OMEGA RMS whom brought this account from Stores Onlines at the time I owed roughly {$1700.00} in the year XX/XX/XXXX have double the balance to {$3500.00} and continues to report it on my XXXX Credit Report also twice within 30 days of the pass months. ( XX/XX/XXXX & XX/XX/XXXX ), the Statue Limitation on this Account expired in XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-12
Company: Midwest Recovery Systems
State: VA
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 placed a dispute with Midwest recovery about the account covered by insurance showing as a negative account in collections on all three of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax data breach was announced in XXXX of 2018, I have frozen my credit information with the four credit credit reporting agencies. 

Equifax has a web portal that will permit uses to freeze and unfeeze their credit report. 

In the first week of XXXX, I was buying a car and found that I was unable to access the web portal. It gave me a phone number to call. While they were able to help unfreeze my credit, they were unable to help with the web portal. They said someone would get back to me in 10 business days. It is now the middle of XXXX and still no luck with Equifax. 

The timeline : XX/XX/XXXX, notified Equifax of the issue. 
XX/XX/XXXX, I called Equifax as no one had called back. They said be patient. 
XX/XX/XXXX, called and spoke at length with someone who said it was my fault. 
XX/XX/XXXX, asked Equifax to have a supervisor look into the issue XX/XX/XXXX, a supervisor called and said she didn't know what the hold up was and escalated my issue again. 
XX/XX/XXXX, a supervisor said someone would get in touch with me in ten business days XX/XX/XXXX, I again asked Equifax to have a manager or supervisor get back in touch with me XX/XX/XXXX, a supervisor called and said he would escalate my issue again. 
XX/XX/XXXX, I again ask Equifax to have a manager or supervisor get in touch with me XXXX XXXX, the same man, XXXX, from XX/XX/XXXX called to ask what I wanted. 

Still, no resolution. 

Help. If I could, I wouldn't do business with company, but I have no choice. I hope someone can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have concerns about my mortgage payments and why so little, over the course of nearly 15 years, has been applied to the principal. My mortgage has changed mortgage companies several times and is currently held by Select Portfolio Servicing. Im curious to see if records have been kept accurately and my payments applied to my advantage. 

I purchased my home around XX/XX/XXXX for {$140000.00}. In XX/XX/XXXX, records show I refinanced for {$180000.00} -- I do not remember doing this. Now, 14 years later I owe {$150000.00}. I'm curious to know why the total remains so high. Although I got behind when I was unemployed and underemployed for about 8 years, every payment was made, even if they were made late. For 18 months it was paid through Illinois Hardest Hit. 
Roughly calculating, over the course of these last 14 - 15 years ( with my house note fluctuating from a low of approximately {$1200.00} and to a high of nearly {$2200.00} ), my debt has been reduced by about XXXX.  Estimating monthly payments at a low level : {$1200.00} x 12 months per year = {$14000.00} {$14000.00} per year x 14 years = {$200000.00} All things considered, interest rates, insurance and taxes I've paid {$200000.00} to reduce my house mortgage by {$30000.00}. 

{$200000.00} ( total $ paid ) - {$30000.00} ( applied to principal ) = {$170000.00} ( remainder ) Over 14 years where has this {$170000.00} been applied? Interest, insurance, fees. 

Again, roughly speaking since I am not working with actual numbers, about : 15 % has been applied to the principle ( some months as little as {$20.00} ) 85 % to other. 

Now, I'm curious to see how my payments have been applied and if the processes used have been fair and legal. Id also like to get solid answers and gain an understanding of why I continue to owe so much. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: LendingPoint Holdings LLC
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
They told me they was going to send me loan money XXXXXXXX XXXX but and they deposited money IntoXXXX my account and few days later it comes back and bounces leaving me negative and having a return fee

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-31
Company: MARINER FINANCE, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I received a loan from XXXX XXXX XXXX in XXXX, Texas. I was invited to come pick up my {$5000.00} check, but was told I needed to give them my Title as collateral. The invitation I received from them stated I qualified for the the {$5000.00} loan because I have worked hard to rebuild my credit. 
I was told by the branch XXXX XXXX XXXX before I could obtain the {$5000.00} loan, I would have to lower my Automobile Insurance deductible from {$1000.00} - {$500.00} thus leaving me to pay higher premiums throughout the entire loan- until paid. I contacted a friend who studied XXXX law, and stated that was a violation under business profession XXXX XXXX. 

I also had the branch XXXX remove other services that were added to my contract, and he removed them and gave me a form showing he removed those extra services. HOWEVER, as a consumer I'm entitled to a complete and accurate Written contract that shows what I am am paying for, and the services that I agreed to. 
The written contract I have is old and not current, it still shows the services that were removed and these services are still drawing interest. I would like for The XXXX XXXX to meet with me and write me a correct and accurate Contract and removing the services from the contract that he agreed to remove.

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 2018-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 recently pulled my credit report this last XX/XX/XXXX. I see there are plenty of hard inquiries as well as student loans and rental property info from XXXX that all are not mine.I have called and was told I had to dispute in writing because they will not remove the inquiries over the phone and would not investigate my report for accuracy unless disputed online. I disputed the accounts and still was not helped. I have filed a XXXX fraud report due to the inaccuracies on my credit report with XXXX TransUnion and 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 2020-07-12
Company: Charlottesville Bureau of Credits, Inc
State: VA
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 placed a dispute with XXXX XXXX  about the account covered by insurance showing as a negative account in collections on all three of my credit reports.

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 2020-07-12
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
According to my credit report, I have an account with JEFFERSON CAPITAL SYSTEMS XXXX. I am very confused about how I ended up with not only an unauthorized soft inquiry, but also a debt of {$980.00} that I somehow owe to JEFFERSON CAPITAL SYSTEMS even though I've never done business with them. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts that they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
I do not, nor have I ever held an account with JEFFERSON CAPITAL SYSTEMS. I have never signed any kind of physical agreement to pay this amount to JEFFERSON CAPITAL SYSTEMS, nor has the  debt been verified on my credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that all three bureaus have on file of the accounts listed above because their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if the bureaus ( along with collection agencies ) are unable to provide me a copy of verifiable proof, they must remove the accounts listed above. I demand the following accounts be verified or removed from all three bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
in XX/XX/XXXX I disputed an account all three credit bureaus. The account which is the XXXX XXXX XXXX XXXX XXXX XXXX # XXXX well the account came back verified with all bureaus. Well in XX/XX/XXXX I  contacted the original creditor which was XXXX XXXX XXXX, I sent Total Card a Debt Validation letter. Well the original responded back, with a letter stating that the account was sold to XXXX XXXX, XXXX on date XX/XX/XXXX..i have enclosed a copy of the letter showing that they sold the account to XXXX XXXX on XX/XX/XXXX. I XXXX XXXX then sent a certified letter to XXXX XXXX on AXX/XX/XXXX. I sent XXXX XXXX a Debt Validation letter which under the FCRA I am entitled to send a validation letter to the company that is reporting the account on all three of the credit bureaus. which is XXXX XXXX XXXX. I have enclosed a copy of the certified letter that was sent to XXXX XXXX XXXX on XX/XX/XXXX. I have also provided the copy of the certified mail receipt and the delivery notice that the letter was delivered on XX/XX/XXXX to the address provided on my credit report for the furnisher which is now XXXX XXXX. They received the letter on XX/XX/XXXX ... Well today is XX/XX/XXXX and XXXX XXXX has failed to respond to my certified letter dated XX/XX/XXXX..This is a violation of my rights and a violation of the law ... XXXX XXXX needs to remove this account from all three of my credit bureaus right now for the non compliance and the violation of my rights. Or I will be getting a lawyer to sue the company for the non compliance. This day of XX/XX/XXXX I have not received any paper work or any items showing that this is my account,, they have violated laws and rights under the FCRA and the FDCPA, This inaccurate account needs to removed ASAP from my credit file. XXXX had 30 days to respond and they failed. this company has violated local and state laws by not responding in a timely manner. I would like this account to be removed asap from all three credit bureau or I can go file a small claims suit. I have enclosed all paper work to show I did my part the company received the letter and yet failed to send me what I was entitled to now the company need to delete the account from my credit file. asap

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 2019-08-24
Company: Pinnacle Financial Group, Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I currently have two payments left and I was advised that there will be a {$180.00} additional amount due. It was a 39 month loan and I made 37 payments. All of the payments were on time. I was told that the charges were from older payments that were late. I replied that a payment was never sent late and it was an error. Also, I was advised by another supervisor there that the charges will be removed, but the woman I spoke to yesterday advised me that the individual was no longer employed there. This amount is fraudulently added to my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the first time ihave had identity theft. Im not sure the reason behind this, but i pulled my credit report and these are a couple of fraudulent accounts that do not belong to me. I have alread y submitted a request to get these things removed. Someone is using my identity without my consent. Please remove these items as soon as possible.

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 2022-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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