BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-29
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-12-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Pursuant to 18 usc 8, I owe no debt. This company is violating my right to privacy pursuant to 15 usc 1681 b 2. Company has also NO permission to report ANYTHING using my information pursuant to 15 usc 1681 4.

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 2022-06-29
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Community Loan Servicing ( formally known as Bayview ) accepted my XXXX mortgage payment but failed and refuses to post the funds to my account. Instead they merged with another company, XXXX XXXX ( aka XXXX ), which is really the same company, and refuse to post the funds they are already in possession of. This is called stealing. They are already sending me notices of collection, foreclosure and threatening to post negative information to my credit reports. Instead of handling their business properly Community is demanding that I only communicate with the new servicer which is really one and the same as the old one. This is clearly an illegal scam where these mortgage companies work together to foreclose on property at great profit to them and great loss to the people who actually live in this country. This is the forth or fifth complaint I have filed and CFPB continues to do absolutely nothing of any effect. Which is frightful because they seem to be the only governing body associated with this type of " business ''. Bayview / Community / XXXX XXXX / XXXX needs to be closely examined as they are breaking numerous laws set in place to protect the public from this type of aggressive business practices. CPFB needs to handle these extremely stressful concerns as this issue has been ongoing since 2019 without resolve. I have once again provided proof that my payment was received by Community / XXXX and proof they they are currently trying to foreclose on my home regardless of this payment. This is illegal and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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: Their investigation did not fix an error on your report

Complaint:
Hello, I have had an account with XXXX XXXX since XXXX of XXXX. I have never missed a payment or been late, however, due to an error on the company 's website/payment portal, my account was charged twice in XXXX. I was advised by XXXX XXXX XXXX customer service representative in that same month to take the issue up with my bank in order to get better results. My bank tried to resolve the issue, and as a result, XXXX XXXX reported my account as 90 days late. I have written to XXXX XXXX twice asking for a review and made disputes with their preferred credit reporting agency, XXXX, as well as mine, which is Experian. My credit score dropped nearly 60 points because of this, and XXXX XXXX refuses to fix the problem after months of effort on my part. As of today, I was able to obtain my banking statement from XXXX of XXXX, showing the payments that were made to XXXX XXXX from my business checking account. I have attached a screen shot of those transactions below. I am also happy to provide statements for XXXX or any other month, which will show payments made to satisfy my agreement with XXXX XXXX. 
I would also like to add that during this time I was suffering from XXXX for over XXXX weeks, and XXXX XXXX still refused to work with me on this dispute. It is my hope that the Consumer Financial Protection Bureau will advocate on my behalf and help resolve this issue once and for all. Thank you

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 2022-06-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Hello I didnt authorize a credit card to be open my Navy Federal . I had a checking account and savings open only. My house was broken into in my information and belongs was stolen. Charges where made and a credit card was open in my name that I didnt authorize In Navy Federal . I called them and let them know also sent a police report starting the same thing and they havent fix it. Now my credit has a XXXX and its affecting my credit score. I tried filing a dispute still nothing.Im not sure when it was open but it was in 2020 around XXXX in the amount of 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 2022-12-19
Company: SYNCHRONY FINANCIAL
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Synchrony Bank, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX asked XXXX credit reporting to delve into my XXXX credit file without asking my permission first. They said that they work together with XXXX to continually check my account with them which of course is illegal to do without my permission. They used it to illegally drop the amount i can borrow from their Lowes credit card by {$100.00}. I have never missed a payment with my Lowes credit card ever. So now because of what they did is a violation I want Synchrony Bank to pay me for the violation of privacy and violating my civil rights which would equal {$2000.00}.

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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
While having a background check done for our new residence. I was turndown because it came back saying I had " civil evictions '' on my public record. There from " XXXX XXXX '' Where i have lived for the past XXXX years.

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 2022-06-29
Company: Paramount Recovery Systems, L.P.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They have posted a old medical debt to my credit report. They are using a method of showing an open date of 4 months ago when this debt is over 6 years old. This should reflect on my credit report either within within charge off date or a date of service of service. They they are in violation of the fair credit reporting act and was advised of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: RI
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:
Dear Equifax ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  I was shocked when I reviewed my credit report and I still found multiple inaccuracies on the credit report from the 3 major credit bureaus.

I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumerto dispute information directly with the furnisher. 

I'm also exercising my rights under section and if not received within 14 business days, I will be deemed this account settled and closed and removed from my ALL major credit reporting agencies. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account was settled in exchange for deletion of the negative account from my credit reports. Payment has since been submitted however account is still reporting on my credit reports which is severely harming my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
This is my response to my complaint to TransUnion dated XX/XX/22 through the CFPB portal. TransUnion responded took longer than the 39 days 9 days over the 30 days thats required by the FCRA. My first complaint to TransUnion was XX/XX/22 I made it known that the Acc. From the XXXX XXXX XXXX Acc. # XXXX belonged to someone with the name similar to my own and it did not belong to me and I was not aware of this account until I received my credit profile. Due to this derogatory mark on my credit profile I'm being denied credit lines and better interest rates for my personal credit and business 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 non-monetary relief
Consumer complaint received 2022-06-29
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:
In accordance with the Fair Credit Reporting Act : The XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
In accordance with the Fair Credit Reporting Act : Dept of Ed/XXXX  # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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: Account information incorrect

Complaint:
I confirm with XXXX XXXX  that my account is paid in Full and closed back on XX/XX/2022. It is showing closed on XXXX on my new credit report... .but it showing " Open '' in Equifax XXXX 

I need Equifax to show this account is already paid and closed. 

I spoke to XXXX XXXX  and they said, it is a problem with the credit reporting agency. 
I need to file a dispute to get my credit report corrected. As far as they know... they sent out to all 3 agencies that my account was paid in full and closed and a refund for overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am in the process of mortgage assistance and am hoping for a loan modification but Wells Fargo has sent me notice they will no longer service the loan as of XX/XX/XXXX. The company taking over, XXXX XXXX has horrible reviews and I believe it is within reasonable expectations for Wells Fargo to complete the modification immediately rather than pass the proverbial buck. 
This has been a long drawn out process and I have proven my income & ability to make monthly payments several times this year. If Wells Fargo refuses to expedite this matter I will be forced to take legal action to get damages due for several illegal handling instances of this mortgage as outlined in previous complaints ( filed with XXXX as email ). 
It is time Wells Fargo escalate this matter to executive management and close the deal for me in good faith rather than leave me hanging and in distress unnecesarily. If they do not finish the job that needs to be done there is no reason a new company, with a horrible reputation of handling customer issues, should be expected to do so. 
I ask that Wellls Fargo do the right thing and make this the priority it should be given the circumstances.

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 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These unknow inquires listed below are fraud and should be removed within 24-48 hours due to violation of code laws and rights. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent certified letters to XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letters were received on XX/XX/XXXX ( XXXX XXXX XXXX ) and XX/XX/XXXX ( XXXX XXXX XXXX ). I disputed their claim that I owe them these debts and asked them to validate the accounts they are reporting to XXXX, Experian and XXXX. It's now XX/XX/XXXX and I have not received any response from either company by mail, email or any other type of notification. Under The Fair Debt Collection Practices Act 15 USC 1692g, Sec. 809 ( b ), I have the right to request validation of debt they say I owe them. Both Companies have failed to validate the debts and provide the information I requested in my letters. See attached letters and certified mail receipts.

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 2022-06-29
Company: KEYCORP
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
This company needs to OWN UP to its mistake. We demand the registered agent in whatever state they have that person living / registered, to give us a call or provide their name. We will be suing you. 

We have contacted the CA department of motor vehicles. No registration exists. We called AZ where the trailer was registered and guess what? The bank never requested the title. 

They are lying. 

Attached are the financing agreements and the verification that the AZ title was completed. It was, however, never requested by Key Bank. 

It is their responsibility as they loaned us money to pay for the boat AND trailer. They MUST provide title. Their attorneys have stone walled and gas lighted you and us and it will not be tolerated or let go. 

We called the AZ department of vehicles and here is what they said : " The bank never requested this title. '' The AZ dept. of vehicles number is : XXXX. 
STOP running us in a circle. We will never quit, you WILL get that title for us and we will sue you. This delay in your letter writing and excuses will not be tolerated. 

What is the CFPB gong to do about this gross negligence of due process according to normal business practice??? Banking laws???? 

We will be reaching out to the FDIC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-29
Company: CREDIT ACCEPTANCE CORPORATION
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:
I reached out to XXXX, XXXX and XXXX via certified mail starting XXXX after pulling my credit reports to update incorrect information on my credit report. One of the accounts in dispute was for Credit Acceptance Corp and showed as a repossession on my credit file with all three major credit bureaus. For over a year now, Credit Acceptance Corp continues to " verify the account as accurate '' without providing me the documents necessary to validate this account. This account is not mine however the credit bureaus insist on accepting the false verification from Credit Acceptance Corp without any documents proving the validity of the account. I have sent 3 letters ( On XXXX XXXX, on XX/XX/2021 and on XX/XX/2021 ) and Credit Acceptance Corp has refused and or ignored my requests for proper documentation representing this account is accurate and of my responsibility, yet they report it as such.

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 2021-08-03
Company: D&A Services, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, D & A Services sent me a letter stating a XXXX XXXX XXXX account had been placed with their company for collections. The debt listed in the letter was for the amount of {$3000.00}. 

I have never before applied for my own XXXX XXXX XXXX credit card and therefore believe this debt to be invalid. 

On XX/XX/XXXX, I sent D & A Services a certified letter asking for additional information about the account and to provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt. I specifically asked them to provide a copy of the written agreement that created my original requirement to pay as well as a copy of the billing statement sent to me by the original creditor. I also asked them to provide details about their authority to collect this debt such as their debt collection license information. 

On XX/XX/XXXX I received a response from D & A services. They included a photocopy of what they claim to be billing statements sent to me from XXXX  XXXX XXXX between XX/XX/XXXX to XX/XX/XXXX. These statements have my name and address on them, but I never once received them. In addition, the statements show payments were made on XX/XX/XXXX ( {$160.00} ), XX/XX/XXXX ( {$350.00} ), and XX/XX/XXXX ( {$150.00} ). I would like to know who made these payments and what account they came from because it was not from my bank account. Also, these statements do not have one single charge on them toward the original debt in question. It only shows the debt amount and the monthly fees & interest charged throughout the year which have now increased the debt from {$2600.00} in XX/XX/XXXX to the {$3000.00} that is said to be owed today. I don't understand how they can claim I owe this debt without showing me a single one of the charges they claim are past due. They also failed to include a copy of the original written agreement showing it was indeed me who opened the card and that I agreed to the terms and conditions and my requirement to pay. Finally, D & A Services did not provide any information regarding their license and their authority to collect this debt. 

It is of my opinion the credit card statements they provided are falsified to look as if they were originally sent to me. Each statement provided is a copy and double sided, however, on some of the statements, the dates do not match what is on the front versus the back. For example, one statement is dated on the front as XX/XX/XXXX - XX/XX/XXXX, but on the back of the page the date is listed as XX/XX/XXXX - XX/XX/XXXX. On another one of the statements, the front is dated XX/XX/XXXX - XX/XX/XXXX while the back is dated XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation