BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-05
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: Was not notified of investigation status or results

Complaint:
I submitted a cfpb complaint on XX/XX/2021 against Equifax and Equifax did not do what they said they would do. [ Complaint Number XXXX ]. Equifax only responded with a credit report with no updates or anything indicating that there was an actual investigation. 

Equifax credit report shows : There is a Past Due Date in collection account, 120 Days Late in collection account ( collection accounts are late by default ). The date of last activity is incorrect, missing date of last payment. collection account and charge-off account missing the required notice of dispute ( violation ). 

These issues can not be ignored while Equifax is selling my personal information and making profit out of my personal information ( with inaccuracies ) even when I have notified Equifax more than 3 times about these inaccuracies in my credit report.Equifax Continues to ignore all my disputes and even the cfpb disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I have been working with Radiant Cash for approximately two weeks. They initially approved of a small loan for {$400.00}, but when it was sent to my email address, it stated the payment plan and that it was approved only for {$300.00}. I then called and spoke with XXXX who said he would send to the underwriting dept of the discrepancy and that I needed to wait for an email from the underwriting dept as to when they would be depositing my money into my checking act. I called the next day, and spoke with an foreign woman asking about the email. she said I needed to e-sign the agreement, then I would get the email from the Underwriting dept. So I e-signed it on XXXX. On XXXX I called again, and the foreign sounding man said that " Unfortunately, our company has run out of funds. We will put your account on hold until the underwriters tell us to move forward with the funds. We will not take anything out of your checking account until then. '' I will be cancelling again with them as I tried to take out a loan with them on XX/XX/18 but it fell through and I withdrew my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: GA
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 accounts/ inquiries have violated my rights. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 ( a ) states that I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: SUN WEST MORTGAGE COMPANY, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In the month of XXXX 2021, I began the process of refinancing one of my properties. I wanted to facilitate the process and continue using Sun West Mortgage Company Inc. ( XXXX XXXX ) The first person I spoke with was XXXX. He told me that it was going to be an easy process. My rate was locked at 2.8 %. I provided the required documents, then XXXX began to handle the loan. After several weeks my brother and I began signing several automated documents on XXXX '. We were also made to pay {$500.00} dollars for an appraisal. For several weeks we were avoided and my phone calls or emails were not answered. I tried calling different numbers from Sun West and it seems that every single person I Spoke with was a " manager '' but they could not resolve any issues. I also submitted documents to the underwriter XXXX XXXX just to be told that they would NOT be accepted. so why ask for them in the first place? They had problems checking my brothers income for technical reasons on there behalf. I also paid off all my debt even my student loans and on that day my loan was canceled. I filled a complaint with the XXXX  After Sun West received the complaint another agent from the bank called me trying to help expedite the loan and asking for more documents which I sent. One week later they called me back saying that because the loan was cancelled and without my consent my new rete would be 5.5 %! why do we now qualify? It has been about 8 months without resolution. I have not contacted an attorney in regards to this matter but I want to start that process. I encourage attorneys to reach out to me in this matter for input. All this has taken a toll on my mind and health not just on me but for the rest of my family. We seek compensation for damages on many levels. I want Justice done ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: EQUIFAX, INC.
State: AL
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:
This is not a DUPLICATE complaint and this not being filed by a Credit Repair company or a 3rd Party. 

In Accordance with the Fair Credit Reporting Act XXXX these accounts below have violated my rights according to 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 instructions 1. Account Name : XXXX Account # XXXX 2. Account Name : XXXX Account # XXXX 3. Account Name : XXXX Account # XXXX 4. Account Name : XXXX XXXXXXXX Account # XXXX 5. Account Name : XXXX XXXX Account # XXXX 6. Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: The Receivable Management Services LLC
State: WY
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:
RECEIVABLE MGMT SVCS at address ( XXXX XXXX XXXX, XXXX, WA XXXX ) has been sending me collection notices in the amount of ( {$100.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 


In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : RECEIVABLE MGMT SVCS, The Receivable Management, and The Receivable Management Services LLC, 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 instructions

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 2022-05-06
Company: Experian Information Solutions 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:
Hi ... In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX, has 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-05-06
Company: Experian Information Solutions 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:
XXXX XXXX  is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!

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 2022-05-06
Company: EQUIFAX, 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:
XXXX XXXX is reporting an alleged late payment that they have not verified by tangible/visible proof! 


in accordance with the fair credit reporting act XXXX XXXX  acc # XXXX violated my rights 15 u.s.c. 1681 section 602 a states i have the rights to privacy. : it also states a consumer reporting agency can not furnish an account without my written consent or instruction!

last but nor least according to 15 usc 6802, NO FINANCIAL INSTITUTION IS ALLOWED TO SHARE MY PURDNENT INFORMATION WITH A THIRD PARTY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: Westlake Services, LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I gave a cash down payment and a Nissan Altima as a down payment for a BMW 525xi. Westlake Financial Services and the dealership i obtained the BMW/loan from, both falsified the loan documents by only including my cash payment apart of the deal. Essentially stealing my traded in vehicle. With the creation of the loan, the warranty was set up. After expressing 2 months after getting car that the vehicle is inoperable and about the loan, Westlake declined to assist with correction of loan documents. In XXXX XXXX, Westlake Financial even denied receiving a {$350.00} payment and is still missing. Also after I decided to stop paying the payment due to the shady payment system, repairs needed for vehicle, and falsified loan documents, Westlake then repossessed my vehicle in XXXX XXXX. After repossessing my car prematurely, it is now XXXX XXXX, my credit report still has no update on the correct number of missed payments nor have they taken the value of the car from my owed balance on the credit report. So at this time, i have had XXXX vehicles taken from me by this company. Westlake Financial Services employees has been more than rude, nasty and unprofessional and needs to be shut down. The business they do is completely unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-09
Company: SYNCHRONY FINANCIAL
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 IS NOT A DUPLICATE, THE PREVIOUS REPORT FILED WAS INCOMPLETE. 
PayPal Credit is reporting to the credit bureaus 6 months of late payments and each of these months the payment amount has been withdrawn from my checking accounts. Due to a medical emergency, I was placed on a hardship program lowering my monthly payment to {$36.00} a month. Each month I have received emails from PayPal claiming my payments have been rejected. I have spoken with several representatives who all say they can not explain why the payments had been returned or how I can fix this issue. 
I have paid my bill each month, successfully and accumulated {$290.00} in returned check fees and {$180.00} in late fees. I am including bank statements showing the payments deducted from my accounts, PayPal statements showing the hardship program and additional information relevant to this situation. In XXXX I spoke with a representative who confirmed the late payments are incorrect and was expediting my case to have a letter sent to the credit agencies. I have requested PayPal send me all transaction statements from XXXX, XXXX and XXXX, but they have not complied. As of one hour ago, I received an email from PayPal notifying me that a payment I made early this month was been returned. and I am being charged an additional {$27.00}.

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 non-monetary relief
Consumer complaint received 2022-05-06
Company: EQUIFAX, INC.
State: WY
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 at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX Account ( that goes by ) : XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: Continental Services Group, Inc. d/b/a ConServe
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I checked my credit and saw an account from Conserve for {$240.00} for XXXX XXXX College, which is odd because I never attended. I sought information and started the application process, only. However, when my request for federal financial aide was denied, I was unable to register for classes. So, I never attended the college, not even for orientation. I am going to file a formal complaint as well with the department of education for fraudulent accounts being opened and collected on at this college.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX Account number XXXX Has violated my rights. 

DEPT OF ED/XXXX  Account number XXXX has violated my right. 


15 U.S.C 1681 section 602 A. states a consumer 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 an account without my written instructions. 15 U.S.C 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2020-04-09
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2019 I contacted Equifax and XXXX after receiving a credit monitoring alert that a hard inquiry had been pulled from my credit report. XXXX concurred that it was a fraud and advised that the sent request for Equifax to remove hard inquiry. Equifax seemed unwilling to help and was provided the worst customer service possible. They said that the responsibility to remove the inquiry was of XXXX. I have a letter from XXXX stated that the they requested the removal of the inquiry yet it has not been removed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX agreed to remove this false information of my account and I have proof so please delete this

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 2015-07-01
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hello, I was reviewing my home loan and noticed something strange. The lender is NOT applying any funds I make above my payment to the principal. 
Instead they are holding those funds in a separate account that I can only presume that is interest bearing, for them. There is a note on my statement that says : " any partial payments that you make are not applied to your mortgage but are instead held in a separate un-applied funds account. If you pay the balance of a partial payment the funds will be applied to your balance. " I looked for clarification and this is what I found : Unapplied Funds Balance. If you send in less than a full payment, this will show the partial payment, which we 'll hold until enough money has been received to make up a full payment. Once a full payment is received, we 'll apply the funds to your account. 

I have been making payments above my min and my next scheduled payment is in XXXX. 
I am NOT and have NEVER been behind. Green Tree bought my loan from XXXX Bank and again I have NEVER been in any type of default status. 

IS it lawful to hold back overpayments? I want to make them apply these funds to my principal immediately instead of allowing them to have a " slush fund '' on the side for them. These " partial payments '' have been in the range of $ XXXX $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-06
Company: CAINE & WEINER COMPANY, INC.
State: WY
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:
CAINE & WEINER at address ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) has been sending me collection notices in the amount of ( {$300.00} ) the collection has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature. 

I would like the bureau to delete this account off my credit report and do not try to put it back on my credit report. 

In accordance with the Fair Credit Reporting Act, XXXX  Account ( that goes by ) : CAINE & WEINER, and CAINE & WEINER COMPANY, and CAINE & WEINER COMPANY , INC. 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, has 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 instructions.

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