BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Credit reporting agencies TransUnion, XXXX, and XXXX have been reporting numerous accounts that solely contain information regarding transactions on my consumer report and details relating to the approval or authorization of credit card extensions, whether direct or indirect by the issuer. 

As a result, all three corporations are in violation of the following federal laws : 15 U.S.C. 1681a ( 2 ), specifically Exclusions, Subpart A, Sub-subpart ( i ) 15 U.S.C. 1681a ( 2 ), particularly Exclusions, Subpart B

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 2021-04-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I inherited a home from my father and it burned down a year ago. This mortgage company kept charging me for a whole year because they refused to make a claim to the insurance. Finally I was able to get a check to pay off the house after a whole year of payments for a house that didnt exist anymore and now its so hard to get them on the line just to pay them! I sent the check and every time I call they hung up on me several times for several days when all I want is to pay them. They seem to have no communication in between departments, one person says one thing and another says something else. This is the worst mortgage company and they dont care about their customers. I went through financial struggles the whole pandemic year having to pay for this mortgage ( besides my other mortgage and bills ), they told me they will give me the money I paid for that year since after the house burned down ( more than XXXX ) and now they wont honor what they told me. Stay away from this company!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: OH
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:
On X/X/2017, I checked the XXXX leaked-information website and found that my data had been released. 

I immediately froze my credit on all three major credit bureaus, as well as XXXX 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 explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
The below information I have found on my credit profile to be incorrect in reporting to all 3 credit bureaus I filled a Identity theft affidavit I could not add them all but they are listed below 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 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 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 non-monetary relief
Consumer complaint received 2018-04-16
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The documentation the company sent to verify the debt was not acceptable ; and did not validate the debt as being mine. The documentation did not include any signature but instead my name was typed on the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CITIBANK, N.A.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, This is XXXX XXXX XXXX. I have applied for XXXX XXXX credit card ( CitiBank ) on XX/XX/2021. I got the letter that says I need to submit the following documents in order them to complete the processing of my application : US passport, US voter registration card or US permanent resident alien card. 
I dont have any of those documents yet, I am an international student ( XXXX visa ) who has XXXX and I legally work on campus. Also I am in green card process, but still dont have any card that prove my permanent residency here. 
When I applied for the credit card, I clearly checked the terms and I did NOT find anything regarding that non US citizens or permanent residents cant apply for any Citibank credit card. I got hard inquiry for the thing that Citibank didnt mention in the application, and I need to pay the price of this lack of information of Citibank on its applications. 
I have been had all kinds of credit cards without any issues with my residency and status.Citibank is the lender and its their choice BUT when they dont give any hint and information regarding that non US citizens or permanent aliens cant apply for this card but after applying they tell to the customers, then this is not my problem. 

Thanks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Equifax has unintentionally released my credit information. I am on the potential list of victims who 's information was compromised in a hack. 

In addition, when offering service to further protect me from fraud, Equifax has hidden language in the EULA agreement that I can not sue personally or join a class action against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
After filing a complaint about not getting my IBR application submitted by student aid dot gov to Navient, my application was finally submitted. On XX/XX/XXXX, I received an email from Navient that my application/ recertification was denied based on lack of financial hardship. This isnt correct because my other federal loan servicer, XXXX, approved me for partial financial hardship and recertified my IBR application back in XXXX. I cant have XXXX servicer approve me for IBR and have another servicer deny me. By accepting IBR my husband and I pay taxes separately and forgo any benefits associated with filing jointly. In addition, by being under an IBR plan, I am not permitted to reclaim my interest payments in my taxes every year. Therefore, getting approved by XXXX servicer but getting denied by another isnt even contemplated by this IBR rules. You are either eligible and your payments are lowered across the board at all federal servicers, or you are not. My situation is that I have been approved and my payment lowered at XXXX servicer but I am denied at Navient. I spoke with student loan ombudsmans officer but they told me to speak with Navient ( XX/XX/2022 ). I spoke to Navient XXXX and she told me she already tried to get me approved but I needed to reach out to student loan dot gov if I had a problem with their calculation method ( XX/XX/2022 ). 

I reapplied today on student loan dot gov to hopefully facilitate the process but I assume they will deny me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: Experian Information Solutions Inc.
State: SC
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:
InXX/XX/XXXX, I mailed a certified letter to Experian and I never received the results of the dispute. I received an updated credit report in XX/XX/XXXX from Experian stating that the item XXXX XXXX in the amount of {$13000.00} was verified but it did not include any documentation stating how they verified the information. I called Experian and they stated that they verified the information and they have documentation on file, when I requested the information I was told they have sent it and I explained to them I have not received the information and I was told I would have to dispute it again in order to receive it. I also requested that all address that were being listed were reporting incorrectly and that the only address that should be listed is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX. Any other address listed should be removed as it is not my address.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred to Loan Care. I received a letter sometime in late XX/XX/XXXX ( letter datedXX/XX/XXXX ) that my loan was being transferred. The transfer effective date wasXX/XX/XXXX. My XX/XX/XXXX payment was mailed and must have been lost and it never appeared. During this time we decided to sell our home and buy another. We did not find out about the payment issue until our current lender ( we have not closed yet due to this problem ) informed us that we had been reported being late 2 times for 30 days. How is this possible? We believe no late should have been reported. The transfer was handled very poorly and there should be some time allocated when a loan is transferred. I read in your website that they should not report me. We are now in limbo as the sale of our home has closed and we have paid the loan off on XX/XX/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 2023-07-03
Company: EQUIFAX, INC.
State: KY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and corrected from erroneous reporting in my file are listed on my credit report 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 response to consumer: Closed with explanation
Consumer complaint received 2018-05-20
Company: CITIBANK, N.A.
State: WA
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 am trying to reopen the previous CFPB claim : XXXX Citi resolved the problem last time and corrected their mistake to removed the records from my credit report. But Citi reported the wrong record to credit bureau again. 

This problem has ruined my credit for many years, during which Citi corrected their mistake twice after long-time communications. But Citi reported the mistake for the third time. 

I attached the result and their response last time, and my current credit report. 

I had a Citi credit card in XXXX. Citi charged me an annual fee in XXXX XXXX for the coming year so I closed my account. I was told by Citi that they would remove the fee because I have closed my account. However Citi did not removed the fee and did not sent me any communication and sent the balance to collection agency in XXXX. I started the dispute process in XX/XX/XXXX, and after many many communications, Citi admitted the mistake and agreed to write off the balance. Citi also told me to contact their CBR department to correct the credit report. I faxed the dispute to CBR in XXXX, XXXX. But Citi has not corrected the report up to now. I contacted them again in XX/XX/XXXX after I found out during my mortgage application. Citi is not correcting the error.

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 2022-01-11
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:
XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.

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 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-12-19
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i submitted a complaint against Bayview loan servicing on XX/XX/18 in regards to my loan which is has many federal violations, as was stated previously i never received my disclosures from XXXX XXXX  nor did i received the right to rescind the loan, Bay view loan is servicing this loan for a lender which i believe to be XXXX XXXX XXXX which has been the subject numerous lawsuits because they assumed loans from XXXX XXXX which was also involved in my loan, so when the LENDER took over this loan they assumed all responsibilities of that loan and since XXXX XXXX assigned the loan the day after it was purchased, XXXX XXXX is out of the picture and out of business, based on the documents i have the Note and TRUTH and Lending Don`t match which is a direct Violation of the Federal Lending Laws regarding Mortgages, so my loan was a bad loan from the start, interest rate, payments and terms. Bayview is not going to just sweep this matter under the rug and pass the buck this has become a Federal issue because there was no Truth in this Lending!.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have repeatedly through out this whole yea disputed this Information and as it stands now transunion has not given me a credit report or allowed me access to Credit report customer service is telling me that there are birthdates and social thats not accurate of mine they have not remove the fraudulent error. I also place a security freeze on my account about a year ago that I cant even remove because this information that is being fraudulently being report to my name they dont allow me to do online disputes or upload any documents nor honor the documents I send in through the mail or access to any of the online services they are really not investigating matter as you can see with the dates of the documents will support my statement in which they are responding they are working on it but sending me letters out stating they are not investigating the matter truly Reference complaints 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 non-monetary relief
Consumer complaint received 2022-09-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFFIDAVIT OF TRUTH In both private and public concerns, I'am the consumer : in truth I am the natural person, original creditor, and administrator. Fact, the fair dept collection practices act is intended to secure my privacy and to ensure fair, accurate practices. 

FACT # 1 according to FDCPA 15 usc 1692c ( C ) once a consumer notifies a debt collector in writing that they refuses to pay an alleged debt, and wishes to cease further communication, a debt collector must not proceed to communicate with the consumer unless it is advise to the consumer that the debt collectors further efforts are being terminated .thought the account number in ( XXXX ) was never validated and cease and desist was sent and was never responded to. And XXXX XXXX HAS BEEN VIOLATING or for the {$590.00} amount Willfully continued to violate federal law under FDCPA 15 USC 1692C ( C ). FACT # 2 under the fair credit reporting act section 609 ( a ) ( 1 ) ( A ), your company is required by federal law to verify-through the physical verification of the original signed certified consumer contract .the debt collector that pursuing to collect on the account have not comply with FCRA laws and did not comply with my demand I am demanding to see a copy of the verifiable, validated proof ( an original consumer contract with a wet signed signature on it, copies of copies are not validation and by law are not considered proof ) that you have on listed on the account is a result violation of under the FDCPA 15 usc 1692g. FACT # 3 Under THE fair debt collection section 806 15 usc 1692d ( 1 ) federal law prohibits the engage of any use or threat of use of any violence or other criminal means to harm the physical person, or the property. ( I never agreed to any to any threats to place an account in derogatory status, either verbally or in writing. FACT # 4 under FDCPA section 807 15 usc 1692 ( 5 ) federal law prohibits the threat to take any action that can not legally be taken .i the affiant I am aware to and have proof in the enclosed documents labeled FACT # 5 under FDCPA section 808 15 usc 1692f ( 8 ) federal law prohibits the use of any language or symbols other than the debt collectors address on any envelope. FACT # 6 under FDCPA 15 usc 1692i- ( 2 ) ( B ) federal law prohibits legal actions by a debt collectors ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. The company thats attempting to collect on this debt is in violation of federal law, please cease and desist all collection attempts.

Company response to consumer: Closed with non-monetary relief