BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: Lendmark Financial Services
State: WV
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with Lendmark financial and I have been paying more than minimum for more than 2 years. I called the the company for my pay-off quote and they told me the amount. I quickly made the payment. Few months later they called me and told me that I was still owing them. I went into their office and they saw something they called a glitch in their system. They promised to look into it, but in the time been, we had an agreement that they would be calling me to make minimum payment to avoid credit issue. 
I have been making the payment to agents anytime they call me, while waiting for the result of the inquiry. 

I found out that they have reported a late payment on my credit that has bad effect on my credit. I do have the print out they gave me from the office. When I called the office they were surprised to know that their office reported me to the credit bureau. 
Please help me Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/XXXX, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 

XXXX XXXX XXXX Dates XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-10
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I applied for an XXXX XXXX XXXX XXXX XXXX  and I was approved. I was notified by the state that the amount that I was approved for was up to {$25000.00} and they were said to pay that to Penny mac in XX/XX/XXXX. At that time I owed over {$17000.00} Penny mac and the state both verify the amount with me but when it came time for the state to pay the actual amount because Penny mac saw the amount coming they said I was not in arrears anymore and the state program denied me. But I wasnt paid up and I have been working since XX/XX/XXXX trying to straighten it out with the state. The state blames Penny mac Penny mac blames the state Penny mac told me that the state had everything so messed up that they were sending {$200000.00} payments to single people and they were having to sort out the money to distribute it properly and that with all the money the banks were given as a bail out and the state was given to help us out Penny mac told me that they only service XXXX families from the state of Illinois program. So now Im really curious where did my money go that I was approved for because now they said I was denied because I owe more than the grant amount. I certainly wouldnt if my grant was paid on time because I was qualified for it at the time and the only thing that disqualified me was the fact that Penny mac said they saw the money there and that I was no longer in arrears. Anywhere that Ive worked my life if I made that big of a mistake I wouldve been fired and I dont really care if Penny mac wants to point the finger at the state or vice versa I want the money that I requested and was approved for dont think its fair that Im slipping between the cracks. I had a similar problem with XXXX XXXX because they werent in their office and didnt sign for my package that I sent on time in XX/XX/XXXX they denied me and now I have to start over from scratch which means that any backpay is no longer available I have XXXX XXXX XXXX XXXX and XXXX XXXX and Im really tired of getting the runaround and hope somebody reads this and understand the situation. I could not possibly be the only one that the state miss handled funds with. If you cant help me please help other people and keep an eye on our crooked state programs. If I didnt get the amount I was approved from where did it actually go?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: NH
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, the following companies/accounts have violated my rights ; 15 U.S.C 1681 section 602 A. States that I have the right to privacy. 
15 U.S.C 1681 section 604 A section 2 : States that a consumer reporting agency can not furnish an account without my written instructions. 


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 response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error 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 2019-06-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This issue is an existing problem which credit bureaus werent able to resolve..They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
*********Hello, my name is " XXXX XXXX XXXX, I have been filling my complaint for over past year or so but none of it has worked. I notice that some of the name and addresses that are listed on my credit report are inaccurate. Please remove these name and addresses as they are not belong to me and the incorrect informations below are intervening me from obtaining credit. 
**Name reported : XXXX XXXX XXXX XXXX XXXX ( There are two the same name " XXXX XXXX XXXX XXXX` , delete 1. 
**Addresses reported : _ XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX , NJ XXXX XXXX XXXX XXXX XXXX, NJ XXXX ****************************************************** ^^^ I request an investigation on these loans and hard inquiries within the legal time frame of 30-45 days as I will be validating all debts from these creditors and filing complaints on all parties to Transunion, XXXX, XXXX   and every creditor reporting the belove items ) and filing lawsuit if not done. 
**. Other Loans : _ XXXX/XXXX  Reported : XX/XX/XXXX XXXX Hard Inquiries : _ XXXX XXXX/ Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX 
XXXX  XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX/ Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX -/Inquiry : XXXX XXXX, XXXX XXXX XXXX/ Inquiry : XXXX XXXX XXXX, XXXX ***Also In accordance of the FCRA [ 15 U.S.C. 1681d ] ( a ) " Disclosure of investigative consumer '' reports I must receive a disclosure that this letter was received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never received any disclosure or writing mailed. DELETE IMMEDIATELY!!! 
** CREDIT CARD : XXXX Reported : XXXX XXXX, XXXX " '' '' This charge off account is not mine, delete please!!!! 
**Collections : XXXX XXXX XXXX XXXX XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!! 
XXXX XXXX XXXX Reported : XX/XX/XXXX Provide me documentation that this is my account or delete it.!!!!

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 2016-11-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.

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 2019-12-13
Company: PLS GROUP, INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
On XX/XX/2019 an incident report was made. 
On XX/XX/2019 a dispute form was faxed ( receipt ) to PLS Dispute Department. ( Fax receipt & phone verification was ok ). 
On XX/XX/2019 a Pls Dispute associate confirmed that a provisional credit was to be issued no later than XX/XX/2019 and not by XX/XX/2019 as stated in PLS computer ; the associate also noticed that the system stated to have received the Dispute form on XX/XX/2019 and not the actual date of XX/XX/2019. 

On XX/XX/2019 I checked the card and the credit had not been issued. 

On XX/XX/2019 @ XXXX XXXX, I spoke with Pls associate/ Dispute Supervisor XXXX  ( ID # XXXX ) who informed me that the provisional credit would be issued on or before XX/XX/2019. Not in the 10 business days from the date of XX/XX/2019. Ms XXXX also stated that there was not any phone number she could give me to call and make a complaint about such discrepancies. 

I informed Ms XXXX that per FDIC & Attorney General regulation ( s ), laws and guidelines ; that there was definitely supposed to be a form of contact for customers to report financial institutions. Ms XXXX informed me that PLS had none. 

Basically it seems PLS financial institutions are operating outside of governing laws without regards unto otherwise. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx 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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-06-11
Company: Resurgent Capital Services L.P.
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:
LVNV Funding XXXX : This debt has been paid. Its reporting as open and has a balance. That is inaccurate. This information needs to be deleted due to the fact that I no longer owe this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-17
Company: CORELOGIC INC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
In XX/XX/XXXX, based on a accident ( disaster ), I faced the financial hardship. XXXX XXXX is my mortgage lender from XXXX, and I asked them for a mortgage assistance. They offered several options but asked for permission to check my credit score. At this moment the score was about 630. However, XXXX XXXX asked Corelogic Credco for assistance, and when results came, it was a very unpleasant surprise. The new FICO score has dropped for 83 points - due to the XXXX XXXX/Corelogic Credco inquiry. When asked for information why it has happened, the answer was that this score is based upon XXXX report. I called XXXX and they denied providing such a wrong information. At this moment am disputing this sudden drop of the score and I am asking removal of such inquiry. 
As far as I know, the official credit bureaus are the only providers of credit information. Many new providers of scores are doing it for less money and are increasing the market. Their information is not always correct. They maybe are pleasing the lenders who are paying for information, but it can create harm to customers - intentionally or inadvertently. 
I am informing CFPB because this has happened under your watch of the compliance with FDCPA.

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 2017-03-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello, I am getting Navient setting up payment schedules while in deferment for my master program with University XXXX. XXXX has changed their program for leaving dates between and it will respond for 14 days between classes for an exit interview that is notifying Navient for a scheduled payment. This is happening all the time since University XXXX scheduled classes between other classes while trying to complete a certification program with another school, XXXX. So, I am currently in school and pursuing XXXX certifications between classes and have provided Navient of both records for XXXX and University XXXX. Also, I thought I had six months after my exit with University XXXX before any payment schedule begins. This is what is posted on FAFSA repayment website. This is a form of harassment since I am in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ACIMA CREDIT, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On this date XX/XX/2019 company opened a collection. 
Account # XXXX {$2700.00} That I owe I have never signed any written documents saying I owe this debt to the collector. They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have not written consent from my end. 

Also, they have not verified that I owe this debt to this alleged company. 
Please have this removed from all three credit bureaus. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Novad Management Consulting LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
On or about XXXX XXXX XXXX XXXX, XXXX. sent a payoff check for a partial claim mortgage payable to HUD but delivered to Novad Management Consulting in XXXX XXXXXXXX. As of XXXX this check has not been cashed and the mortgage has not been discharged. 
On XXXX, I, XXXX XXXX spent 3 and 1/2 hours on hold with Novad to speak to a person named XXXX and all she could do for me was submit a escalation to management to see what happened with the package. I was told I would get a call back and as of XXXX no call back. 
On XXXX, I emailed the XXXX to submit a request on what happened to this payoff and no reply as of XXXX. 
This in an urgent matter and Novad is not getting back to us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
On XX/XX/XXXX I viewed a report that Equifax had not protected consumer information and was victim to a cyber attack. Using the website XXXX I was informed that my information was subject in this attack. Equifax should not have allowed my information to be gathered as I will now be subject to identify fraud and identity crimes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a debt that was deleted in XXXX and then sold to a XXXX party collector and put back on my credit reports the debt was not mines and i have sent the company the debt that was deleted. Also the debt was put on my reports without the company letting me know that the debt was due it was deleted and put back on within a couple of weeks and i have proof i have been violated of this practice under the FCRA

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was informed by my credit lender that I was not approved for a personal loan I was needing because of derogatory items on my credit history. I then decided to pull my credit and I noticed several unknown items. Please remove these fraudulent accounts from my report. Thank you. 
XXXX {$120.00}

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 2020-06-11
Company: EQUIFAX, INC.
State: AL
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:
My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.

Company response to consumer: Closed with explanation