BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-15
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, 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, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company servicer, LoanCare received funds reported by LoanCare, from the California Mortgage Relief Program, to my my loan current through XX/XX/2022. 
The California Mortgage Relief Program notified me the funds stated by LoanCare had been transferred on XX/XX/2022. I was not able to access my account online or get a verification that LoanCare had received the funds to bring my loan current, until my first payment was due outside of this payoff by the state of CA, i.e. XXXX XXXX, 2022. On this date I saw that I was billed for XXXX late fees over the period of forbearance previous to the payoff request balance to LoanCare and being issued the funds by the California Mortgage Relief Program. When I called LoanCare to ask why these penalties were applied to my account, and if justified why werent they included in the amount requested to the California Mortgage Relief Program, I wasnt given answers and was told a supervisor would be calling me later to resolve the discrepancy. I never received a call nor any future calls promised by LoanCare. I also requested a balance sheet showing the charges of LoanCare for the money they received from the CA Mortgage Relief Program. Again they claimed they could not accommodate me and I received no response from any higher authorities as promised.

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 2019-09-10
Company: Experian Information Solutions Inc.
State: NY
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:
I am a victim of identity theft XXXX XXXX XXXX XXXX Automobile Dealers,   Used XXXX XXXX Student Loans XXXX Auto Reseller XXXX XXXX Auto Financing Companies XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX All Banks - non specific XXXX/XXXX Department And Variety Stores - non specific XXXX  Personal Loan Companies XXXX  Personal Loan Companies XXXX Personal Loan Companies XXXX Personal Loan Companies XXXX XXXX XXXX XXXX XXXX Automobile Dealers, Used XXXX XXXX XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX Credit Unions 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 2023-08-30
Company: Affirm Holdings, Inc
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I noticed an erroneous amount balance showing up on my XXXX Credit Report, so I filed a dispute immediately concerning a previous Loan with Affirm. 

All payments were made on time each month and this amount should not have been showing as outstanding. Affirm did not work in good faith with XXXX to resolve the dispute in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting fraudulent accounts on my credit file and they are not complying with the FTC.or FCRA 1. XXXX XXXX XXXX XXXX 2. XXXXXXXX XXXX, fraud 3. XXXX XXXX, isnt mine All these account should be removed according to the FTC, FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I am attaching copies of all letters sent below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-12
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

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 2022-01-13
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:
Upon review of my credit report, it has come to my attention that Experian is reporting and furnishing information on my credit report that the Fair Credit Reporting Act specifically states needs to be excluded from credit reports. Thus, Experian is in violation of Federal Consumer Protection laws. I have disputed these accounts with reason and proof and have contacted Experian multiple times with no relief. This is my final attempt to resolve this matter before I seek damages in the form of monetary relief, as this incorrect and irresponsible reporting has caused irreparable damages to my name, life and reputation as well as by ability to take part in commerce.

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 2023-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts are being reported XXXX my credit file contain multiple inaccuracies which the credit bureaus are allowing and not removing. The accounts are as follows : XXXXXXXX XXXX  - ( XXXX ) accounts listed have inaccurate payment history reporting and balance XXXX. XXXX XXXX XXXX - inaccurate account balance and payment history XXXX. XXXX - balance inaccurate XXXX. XXXX XXXX- ( Acct # XXXX ) closed XXXXcharge-off account reporting payment history

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 2022-12-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
SPS has claimed repeatedly to be nothing more than the servicer of my Mortgage, acting at the request of, and benefit for the note holder Who they claim repeatedly to be : XXXXXXXX XXXX XXXXXXXX, successor trustee to XXXX XXXX XXXX XXXX successor in interest to XXXX XXXX  XXXX, as trustee, on behalf of the holders of the XXXX  XXXX XXXX XXXX Certificates XXXX  Series XXXX XXXX  is the note holder and SPS is the mortgage servicer However on Pg 3 of the second document ( which I found as a CFPB document dated XX/XX/2013 ) XXXX XXXX : Another bank or financial institution ( the new servicer ) has purchased your existing loan from us. Transferring mortgage loans is a normal business practice. 

Please explain this and elaborate on the confusion about who owns this loan. 
Thank you, XXXX 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 2021-03-14
Company: Netspend Corporation
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have documentation s of the dispute claims i filed from XX/XX/XXXX to XX/XX/XXXX totaling almost {$540.00} Netspend resolved the issue but blocked my account now i may not be able to even receive my economic impact payment or even my direct deposit for my job this is so inconvenient

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 2022-01-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: Chime Financial Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a charge with XXXX  claim number XXXX amount XXXX. I moved me and my daughters furniture from XXXX XXXX XXXX XXXX. Upon arrival my things were wet & broken and had to be thrown out. Due to this I submitted a dispute since XXXX wouldnt help. My bank was supposed to do an investigation and ultimately denied my request due to previous transactions. No investigation was done they just looked at my accounts negative balance and denied me. When asked for proof they to from XXXX to XXXX even though they were asked multiple times for documentation as to why the dispute was denied. Next I had a incident where I attempted to rent a car here in XXXX  but was turned away the place XXXX  says they dont rent to XXXX XXXXXXXX but it doesnt state that one the XXXX website nor did they offer me my money back. I was told at XXXX  to contact XXXX and XXXX told me to contact XXXX So I went to my bank for a dispute claim id XXXX total amount XXXX they claim they did a investigation and it was found that I actually did get a car which is false I appealed and sent a picture of the document that was given to me at the XXXX location and my claim was still denied. I believe I am being treated unfairly because I usually file disputes when I have a issue which is often.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: GREAT LAKES
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have student loans that are being serviced by Great Lakes- XXXX WI. I have always paid on time and am actually paid ahead to XX/XX/XXXX. I am currently paying XXXX per month on auto pay. This last month I paid my XXXX and then also paid an additional XXXX which I did a custom allocation for to payoff my 2 loans that are at 6.55 % interest. When I checked my payment application it shows that only XXXX went to my higher interest rate loans and {$XXXX} went to the 4.25 %, {$XXXX} to the 3.15 %, and XXXX to the other 3.15 % interest rate loan. It clearly states that any additional payments will be applied to the higher interest rate loans and that has not happened the entire length of my loan. I called in several times about this issue and I am always told that they first have to apply my payment to the regularly scheduled payment and then any additional will go to the higher interest rate loans. I advised them that my next regularly scheduled payment is not due until XX/XX/XXXX but they insisted that the next payment will satisfy that payment pushing my due date to XX/XX/XXXX and any additional from that will then be applied to the higher interest rate loans. From my experience, when a loan is paid ahead, accrued interest should be paid and other funds should go the highest interest rate loan but they are not applying the payments this way. I searched online and this looks like many student are being deceived by Great Lakes. There are many complaints with the XXXX. Also when I was on the phone it seems that students that elect to autopay payment are handled differently than those that do not autopay. I was told I can only pay extra on the same date as the autopay to have it apply the way I want it. Because I am on autopay I only get 1 day to pay extra on my loan. People that are not on autopay get a 30 day window to make extra payments and have them apply per their custom allocation and to go to higher interest rate loans. This practice seems deceptive and when students pay extra and get ahead all principle should be going to higher interest rate loans not a regular payment that is due in 2.5 years ( as my student loans will be paid off by then anyway )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
This lender is not licensed to do business in the state of Virginia, therefore the loan should be void. They are trying to collect through an attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: EQUIFAX, INC.
State: TX
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/2022 I noticed an unauthorized account on my consumer credit report. I am requesting to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
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: Account information incorrect

Complaint:
TransUnion You are reporting incorrect information to my credit report for the following account from POSSIBLE FINANCIAL you are reporting a monthly payment on a closed account PLEASE DELETE ACCOUNT IMMEDIATELY proof will be attached below

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 2021-11-15
Company: LoanCare, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan Company / Loan Care - XXXX I have been a customer for several years. All of a sudden, the company stopped taking my autodraft payment every 2 weeks. After several months of long conversations with various billing department employees, I was charged an additional {$43.00} to Re-Enroll my account. This has never fixed the problem. 
I am attaching below all of the dates and times spent on the phone with this company on my part to try and resolve this issue without any success. 
In short, each month I have to call them and make over the phone payments. I can not ever get anyone to call me back to fix this issue. I just want them to take the payment via Autodraft and get this issue fixed!

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 2021-11-15
Company: EQUIFAX, INC.
State: NC
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
The Credit Reporting Agencies such as XXXX, Trans Union and XXXX purposely keeps old information on credit reports to ensure a low credit score with certain customers.Scores remain the same for years when improvements have been made on payments, opening of new accounts and lowering the amount of credit debt.This process delays the consumer from establishing a good credit score and it seems like a game is being played with the consumer.

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 2022-01-13
Company: Caliber Home Loans, Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I am a XXXX XXXX XXXX teacher and have been in the process to purchase a home since early XXXX. I was cleared to close Monday XX/XX/XXXX with caliber home loans. While I was at the closing table the lender found out that I just went on XXXX leave and wants to deny my loan. I have had multiple letters written by my supervisor and human resources stating my pay and that I will be paid at 100 % during my leave. I feel as if everything was fine I was at the closing table and as soon as they found out I had a baby they wanted more documents and pay stubs. I send in the documents and it doesn't seem to be enough. I am now waiting until I am paid again on XX/XX/XXXX to hopefully close then. My lease it up XX/XX/XXXX. So I will now have to move in 1 day with a XXXX week old XXXX XXXX. I feel as if I am being punished for having a child and I am experiencing a lot of stress making sure we will have a home next month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-24
Company: The Law Offices of Jennifer McCoy, PC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received an UNDATED letter from the " XXXX XXXX XXXX XXXX XXXX '' to collect on a balance that was barely a month and a half old. The amount comes from an apartment complex, XXXX XXXX. The amount on their resident portal states that I owe XXXX. The statement I received from this " law '' office states that I owe XXXX. They are showing XXXX in undisclosed fees. From the reviews on XXXX, no one is able to get in contact with this office.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
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: Information belongs to someone else

Complaint:
XXXX and Transunion are reporting incorrectly a collection in the amount of {$1500.00} on XXXX XXXX XXXX  account number XXXX***. ( Please see page attached from my credit report. ) This medical collection account was reported recently on my credit report and is fraudulent. I called the collection agency and this account is from a hospital in XXXX, Arizona. I have not lived anywhere near XXXX, Arizona for over ( 17 ) years. They said that the collection was for my daughter whose name is either XXXX or XXXX. ( The representative was very difficult to understand. ) My daughters name is not XXXX nor XXXX. The names are not even close to similar. My daughter does not live in Arizona and she has her own health insurance. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this line item however, I have not been successful.

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