BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have tried to reach Lakeview or XXXX or XXXX, whatever their name is. Hold times are beyond unacceptable and they have not taken the steps promised by their agent on XX/XX/XXXX. This entire mortgage was setup so that a large pricipal payment could be made shortly after closing. Lakeview is simply unresponsive and unable to be reached. My first non-professional experience with Lakeview is disappointing.

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 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXXL Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXXDate : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXXX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company :XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX XXXX   Date:XX/XX/ Company : XXXX   XXXX Date : XX/XX/ Company XXXX XXXX XXXX   Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}

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 2022-06-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I submitted an inquiry for a personal loan with XXXX XXXX XXXX. The bank advertised that there would be no hard credit inquiry with no impact to your credit score. I did this because I wanted to review my loan options without impacting my credit score. Therefore, I was deceived by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX promised transportation and housing while I attended school. That never materialized. When I became XXXX   they told me that I could no longer be on XXXX which meant that because of my XXXX I couldn't finish the school no matter if I tried because I wasn't allowed on the XXXX because of insurance. Now they are reporting the payments as in collection when made arrangements to pay the payments. 
They have reported the student loans multiple times.

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: 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:
XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX  DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXATTENTION DISPUTE DEPARTMENTTODAYS DATE:XX/XX/2019This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida DDUpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;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 XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX   XXXX

XXXX XXXX

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The account should have been deleted from XXXX, XXXX and XXXX. It is still being reported

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 and XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 Section 604 2. It also states a consumer reporting agency can not furnish an 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 2020-12-21
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Received a usbankreliacard from Colorado Dept of LBOR. Did not apply for any unemployment benefits. Company is lying about the reasons they sent me this VISA card. USbank phone number is unreachable from overseas. no email contact provided. no ability to cancel or close account on their website. Company is obviously trying to make it impossible to reach them or instruct them to close account and cancel card.

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 2022-01-07
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX and I am filing this complaint for myself no third party is involved. I have been going back and forth with Transunion, XXXX, XXXX and XXXX XXXX about this billing error. I have attached one of my previous letters for each bureau and a screen shot that clearly shows me being late in XXXX on Transunion and XXXX on XXXX it also shows me being late in XXXX on Transunion and XXXX on XXXX. The only reason I cant show you that XXXX also has different late payments is because I have a separate complaint with them for mixing my file I was never late thats why this is wrong its a billing error and none of the credit bureaus or this company will correct it. Im sending this through CFPB portal so that my next step can be to file litigation

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 2022-08-10
Company: SYNCHRONY FINANCIAL
State: MD
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 was on my XXXX account and seen I have identity theft I filed disputes and I was told to report on here..

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 2023-02-16
Company: Experian Information Solutions Inc.
State: MS
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, MS XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX / XXXX XXXX XXXX {$7700.00} XX/XX/2016

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 2018-09-04
Company: CREDIT ACCEPTANCE CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
My wife and I entered a contract to purchase a XXXX XXXX XXXX financed by Credit Acceptance ( housed near XXXX, Michigan ) on XX/XX/2018. As of today ( XX/XX/2018 ) we still owe {$27000.00} on the car, it's worth according to XXXX XXXX XXXX as of the same date is nearly {$20000.00} less than what we owe. I believe this contract is unlawful, fraudulent and unconstitutional. I do not believe it is legal to charge people nearly $ XXXX over the course of 5 years for a vehicle that is valued under {$10000.00}. In only five or six short months we have already paid nearly {$3000.00} in monthly payments, never late. These payments are in addition to the {$2500.00} down payment we paid at the time of purchase. We called Credit Acceptance to renegotiate the terms and we were met with rude remarks and disrespect. Surely our original agreement is illegal. There are loan sharking usury laws in place in this country and interest can not be astronomical. Please help. After further investigation it seems that XXXX and XXXX are subject to much higher interest rates on car loans due to discriminatory crediting practices. If my wife and I were a XXXX couple, we would have received a much better deal. This contract is illegal on many grounds and should be revamped or abolished.

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 2023-05-01
Company: EQUIFAX, INC.
State: GA
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:
Re : Disputing Fraudulent XXXX  XXXX Account Number XXXX To Whom It May Concern : After reviewing my consumer credit report, I have noticed several fraudulent items that are violating my rights as a consumer in accordance with the Fair Credit Reporting Act, XXXX XXXX Account Number XXXX has violated my rights. This account is fraudulent and unauthorized and should be removed from my consumer credit report immediately. 

I am writing to dispute the fraudulent opening of XXXX XXXX Account Number XXXX in my name, and any charges or reporting made to this account. 

Enclosed are copies of government issued identification, proof of address, FTC Report, and police report documenting this fraudulent account. 

Under the Fair Credit Reporting Act, you have 30-days from receipt of this letter to remove this fraudulent account. Once removed, please send an updated copy of my consumer credit report regarding this fraudulent account. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
This is my official complaint against TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) for Case number XXXX Judgment of Possession on XX/XX/2018. This information is inaccurate and unverified directly by XXXX XXXX XXXXXXXX XXXX And XXXX XXXX, XXXX XXXX, Florida. According to XXXX XXXX XXXX records searched by XXXX XXXX found NO SSN or Drivers License or any other verifiable identifiers that ties my name XXXX XXXX directly to this eviction from XXXX XXXX. As stated by XXXX XXXX, there are several XXXX XXXX 's in their database and no identifiers that ties this eviction to me. Under The Fair Credit Act, you are required by law to remove this inaccurate unverified information from my consumer report immediately. XXXX XXXX, Florida is the original source and I have attached their original letter sent me by request of the clerks office as proof that this eviction Case number XXXX is not identified as XXXX XXXX with correct SSN and Drivers License. Original emails to the clerks office was attached. 

I have supplied TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) with this information and they refuse to remove this unverified information and continued to update Case number XXXX was updated to show as Judgment of Possession on XX/XX/2018 on your consumer report. TransUnion XXXX XXXX XXXX XXXX XXXX ( TUXXXX or TransUnion XXXX XXXX XXXX ) is violating my rights Under The Fairs Credit Act 605, 609.

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 2020-12-09
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the us bank attitude go visa signature credit card because it offered XXXX point which is equal to {$250.00} when you spend {$1000.00} in the first 90 days of opening the card. I spend {$1000.00} in the first month of open the card and only received XXXX point which is XXXX less then they advertised I called customer service and they couldn't help me resolved this issue and this loses my trust with us bank.

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 2023-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase Closed my account with no prior notice, they claimed to have tried to contact me but i received no letter or missed calls from them. i tried calling multiple times to get an answer as to why it has been closed but they do not want to disclose why. it all started on XX/XX/2023 when i tried to purchase some groceries and my card was declined, went to the bank they said my account was closed and they couldn't tell me why. there is currently XXXX in the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Central Portfolio Control Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoke with collection agency regarding the account in question. This account was opened as a result of identity theft. This account was fraudulently opened without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 got all other inaccurate items off my credit report except for these. XXXX deleted them. 
us dept ed, XXXX XXXX {$3700.00} us dept ed, XX/XX/XXXX {$3600.00} us dept ed, XX/XX/XXXX {$2200.00} XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Ed financial XX/XX/XXXX {$0.00} Ed financial XXXX, XXXX {$0.00} Ed financial XX/XX/XXXX {$0.00}

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 2018-09-04
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:
This is being sent in response to notices sent to me from " XXXX XXXX '' '' and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.This is NOT a request for verification or proof of my mailing address.I have requested for VALIDATION and PROOF OF CLAIM Several times. So again for my THIRD request, I ask that your offices provide competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt.Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specifically Naming XXXX/XXXX  as an entity entitled to enforce a commercial claim against 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 explanation
Consumer complaint received 2021-07-23
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX  are reporting 3 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XXXX XXXX asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter to the collection agency via certified mail and they REFUSED my letter. The company is : Plus Four Inc. 
XXXX XXXX XXXX XXXX XXXX, NV, 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