BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: Experian Information Solutions 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:
I have XXXX mortgage hard inquiries date XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX XXXX XXXX being reported on my credit report. Additionally, I have a hard inquiry from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. I do not and have not had a mortgage through XXXX XXXX XXXX XXXX. My mortgage is and has always been through XXXX XXXX as reported on my credit report. Secondly, I have banked with XXXX XXXX XXXX XXXX since XXXX. I have not requested any banking products from them since XXXX. I have sent dispute letters requesting these inaccurate inquiries be removed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The company refuses to remove the inaccurate information from my credit report.

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 2017-10-23
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for a loan modification with Bayview Loan Servicing. I did this after my loan was transferred from XXXX XXXX XXXX. When it was with XXXX XXXX XXXX I was told that a modification at 5.125 % over 40 years would be acceptable. This was sent to us in a report. I sent in the appropriate documentation whereupon XXXX XXXX XXXX transferred the loan to Bayview Loan Servicing in XXXX/XXXX of 2017. 
Bayview took in all the documentation and said we 'd be getting a modification only to turn around and tell me that my request was denied based on " the investor '' This loan, among others qualified for the settlement between XXXX, the investor and XXXX XXXX XXXX, the master servicer which stated that all of these types of loans need to have a modification applied to them. 
My payment jumped over {$1500.00} this month to now over {$7100.00} per month. As I am XXXX years old, I have no way to deal with this. When the loan originated I could afford the payments but my income was not substantiated. This has gone on for nearly a year between my dealing with XXXX XXXX XXXX and Bayview.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: DISCOVER BANK
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I 've advised Discover of the financial situation I am in. If I 'm just one or two days late the calls start up.. at least 4 times a day m-f.. I 've told them I 'm aware of the situation and would like the calls to stop. I 'm assuming they are robo calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: UT
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 accounts # XXXX and # XXXX are paid off and are still reporting a balance on my credit. These were charged off but have been paid and it should no longer be on my credit.

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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 tried to fix this problem with all companies including XXXX major reporting Bureaus XXXX, TransUnion, and XXXX with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXX LL XXXX I am demanding these accounts be deleted from my report.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 previously requested verification and validation of a negative item listed on my credit report. The result of the investigation did not produce any documentation requested and required to support their results. The collection company also responded without providing what was requested ( a copy of their response is attached ). If this is what was used to VERIFY and VALIDATE this item then they, the credit bureaus and the collection company are in violation. No contract was produced and a XXXX page copy showing a " balance '' is not enough to validate an alleged debt or accurately produce verification. I am enclosing copies of my recent requests to the credit bureaus and the collection company with this complaint as well as a copy of their response.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: IN
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 to the fair credit reporting act t In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2021-12-08
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
This complaint will be the third and final attempt at resolving this matter outside of Federal Court.

Laws Cited : 12 U.S. Code 1431, 12 CFR 226.15, 12 CFR 1026.15, 15 U.S. Code 1605, 15 U.S. Code 1635, 15 U.S. Code 1640.

The response provided by Credit Acceptance Corporation to my Notice of Rescission was immaterial. Let me emphasize 15 U.S. Code 1635 ( 4 ) Applicability to indicate that the consumer credit transaction referenced is indeed able to be rescinded. 
This consumer credit transaction is not partied with an agency of the State nor is it a residential mortgage transaction. Also this credit consumer transaction was indeed consummated after XX/XX/1995. These reasons will render the referenced transaction the ability to be rescinded, subsequently placing liability and violations on behalf of the Credit Acceptance Corporation. 

Let the record show that there are various errors in the Finance Charge. Credit Acceptance wild be held liable for sai

d errors. Please visit 15 U.S. Code 1605 when r
eferencing this list of errors found in the Finance Charge.

1. Finance Charge did not include premium for Insurance.

2. Finance Charge being the sum of all charges payable yet Finance Charge reads {$10000.00} in contradiction to Total Sale Price of {$26000.00} and {$13000.00} itemized.

3. Coerce consumer with fraudulent bills to pay principle which is not included in the Finance Charge.

4. Cash down payment included in Finance Charge in referenced consumer credit transaction. 

Please be encouraged to have your legal team thoroughly review the cited laws prior to responding. This is the final attempt at resolution outside of Federal Court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Experian Information Solutions Inc.
State: NY
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 tried to fix this problem with all companies including 3 major reporting Bureaus XXXX, XXXX, and Experian with no hep or response from any. I feel that these accounts are adversely affecting my credit reporting and costing me thousands of dollars in interest every year. Ive tried disputing not only the validity of the accounts but the compliance of specific items on my credit report. The following accounts are the ones I am trying to dispute, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am demanding these accounts be deleted from my report.

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 2021-12-08
Company: EQUIFAX, INC.
State: NY
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 tried endlessly to fix the problems I am having with the reporting of these erroneous items on my credit. With no response, validation or help from the major reporting Bureaus I don't know what else to do. These accounts are really effecting me and stressing me out because of the way I am judged by the wrong reporting of these Bureaus because of them violating compliance when reporting. The accounts that have not been validated and are effecting me negatively are, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these accounts immediately or I will be seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-05
Company: CNG FINANCIAL CORPORATION
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Got a loan for XXXX dollars on line through checking who is also axcess financial did not receive any paperwork. Got loan in XX/XX/2020. Paying XXXX dollars biweekly. Problem checked credit Rpt. Shows XXXX dollars month for term of 18 months. That would equal XXXX dollars. That's predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked for verification that this debt is mine and have had no resolve. I am unfamiliar with this account and it has been holding me back in my financial life. the account is listed with the credit bureaus with different opened dates from XX/XX/2016 to XX/XX/2016. The balance listed is {$570.00}. This is inaccurate information and I demand it be removed from my consumer credit file.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$710.00} XXXX XXXX XXXX Balance {$560.00} XXXX XXXX XXXX Balance {$1500.00} XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXXnquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/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 2019-09-11
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX is reporting a collection on my credit that I do not owe. I have no idea what this debt is for. XXXX XXXX did not send me any notifications. I have not received any letters in the mail or any phone calls regarding this debt. XXXX XXXX is in violation of my 30 day right to dispute as this has been added to my credit file. This debt needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: Ditech Financial LLC
State: WV
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:
I was denied a small loan for a used car {$5700.00} because the mortgage holder has not pursued their foreclosure action they said they would be taking. I informed XXXX of 2017 I was not able to redeem the amount owed and they should move forward with foreclosing. The company, Ditech Financial LLC, is falsely reporting I am in a payment agreement with them and this is adversely affecting my credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Hello, my complaint is in regards to my Transunion Credit Report #  XXXX . I accidently sent Transunion an original docume nt ( Ban kruptcy #  XXXX  ), currently reporting on my Credit Report.   XXXX  I sent the document in  XXXX   2017 . The remaining information is in the uploaded document.

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 2017-10-23
Company: Avant Credit Corporation
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XXXX i requested a loan with Avant. Upon receiving a denial email i called to try to find out why as i just had a loan thru them that got paid off. I was informed that that info was unavailable over the phone and the rep could submit the request for a denial letter with more detail to be mailed to me. I made that request and as of XXXX i have yet to receive such letter in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
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:
XXXX XXXX XXXX Date : XX/XX/2019 I was speaking to a sales representative and i was told he would not run a hard inquiry because I am a current customer. He did run it and admitted he was wrong. They stated they can not remove inquiry ad do not know-how. I have contacted them and spent hours on the phone and no response. Please have them reported and I would like to take legal action if not removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for and received an individual and a business credit card from American Express cobranded with XXXX XXXX. As part of sign up promotion American Express offer clearly states that I am entitled to a five night and two stay credit with XXXX toward elite status for each card ( individual and business ) .see attached terms and email confirming terms from XXXX . I received credit for XXXX  card but not the other over one month after account opening. I contacted American Express on XX/XX/XXXX requesting the credit. AMEX representative acknowledged the terms but told me to contact starwood. I contacted Starwood ambassador service XX/XX/XXXX and received an email response ( attached ) telling me I need to contact AMEX. I contacted AMEX on XX/XX/XXXX and spoke with representative named XXXX who told me that XXXX is responsible for this award. See Amex terms that clearly lay out this offer. Since this is Amex terms and the card is cobranded AMEX card I request that Amex fulfill its obligations as per attached terms. As per attached and link below https : //www.americanexpress.com/us/credit-cards/personal-card-application/terms/starwood-preferred-credit-card/36501-10-0/? pznOfferCode=PJCL-2EYIDA-1EV3-H6X & print # offerBenefitTermsDisclosures

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
According to Transunion report number XXXX The following addresses have been PREVIOUSLY reported incorrect and are still showing XXXX ). XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX. XXXX, MD XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX Reported XXXX/XXXX/XXXX The following Inquiries were not made by me and have been requested many times to be removed. 

XXXX ). XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX. XXXX XXXX Reported XXXX/XXXX/XXXX XXXX ). XXXX DC 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 2017-10-23
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XXXX XXXX incorrectly charged me for service that I did not have. This incorrect debt got sent to collections but after resolving with XXXX ( they realized I was wrongly billed XXXX $ XXXX and disputing it was removed from my credit report. 

Now a year later in XXXX, the debt collection agency " IC System '' has reopened this collection and negatively affected my credit.

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