BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
This lender is calling me incessantly from multiple numbers multiple times a day. I told them not to draft on a day that I said I was n't going to get paid. They refused to listen and did it anyway. It caused problems in my account and I had to close it. I bank at XXXX in XXXX, california. I made other payment arrangements and they fail to note the account so they keep calling. One missed call and they are calling my references which is causing me embarasment and undue stress. I told them to stop and they say they have no control over their " corporate '' which appears to be a bunch of independent " hit men '' making numerous and harrassing calls daily. I told them I use the number they are calling as my personal and work phone and they are disrupting my business. They yell at me and do not listen to me. I told them I have rights under the fair debt protection act and they do n't listen or care. I do n't know how to stop these calls. It is causing me anxiety and undue stress and ruining my business and reputation. The calls started when I was 1 day late paying the loan off. I had tried to may new arrangements but they were not interested. Here are the numbers they made collection calls from between XXXX/XXXX/15 and XX/XX/2015:XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXX/XX/XXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsXXXX XXXX callsI answered most of these calls but they still kept calling even though I attempted to make payment arrangements. They stopped for a while but started again XXXX days ago. I told the guy to stop calling me since this is my business line and to stop calling my references since they know I can be reached and I am available. He just yelled at me and said to pay up by Monday. 
California Check Cashing stores said they have no control over what their corporate does when I asked them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed : {$0.00}

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX Balance : {$450.00} ; XXXX XX/XX/XXXX ; 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 2022-06-02
Company: EQUIFAX, INC.
State: OH
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:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : 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 2023-09-14
Company: LAKEVIEW LOAN SERVICING, LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
We noticed in XX/XX/XXXX, that our XXXX account got charged the wrong amount. We contacted our Mortgage Company, Lakeview Loan Servicing/XXXX XXXX XXXX XXXX right away via their website and they never responded. We ended up calling on XXXX, XXXX XXXX, via customer phone service and the customer service representative we spoke to promised us that this mistake will get fixed ASAP, but nothing got done. 


We did go to the City to make sure both our lot and house taxes got paid on time with the correct amount. They confirmed that they got the right amount for each lot. A one time payment of {$97.00} for the lot XXXX. And 4 times {$710.00} on the lot XXXX. 

Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, XXXX payments of {$97.00} for the lot XXXX. In which the city only got a XXXX time payment of {$97.00}. Lakeview Loan ServicingXXXX XXXX XXXX also took one extra payment of {$710.00} on the same lot XXXX. Lakeview Loan ServicingXXXX XXXX XXXX took out of our escrow, totalling {$910.00} which is unaccounted for. 

On XXXX, XXXX XXXX, we reveiced our yearly Escrow Analysis and we noticed the previous mistake was never fixed and of course our Escrow ended up being short because of it. We called Lakeview Loan ServicingXXXX XXXX XXXX again on XXXX, XXXX XXXX and the customer service agent was rude and not cooperating with us. After this incident we decided on XXXX, XXXX XXXX to send them a registered letter, Notice of Error, stating to the company what needs to be fixed and and as of today, XX/XX/XXXX, we reveiced no communication nor cooperation from Lakeview Loan ServicingXXXXXXXX XXXX XXXX and our mortage increased and nothing got resolved. We gave them the required amount of time, the 30 days, to respond back to us by law. 

We ask that you look into this matter so this escrow issue can be fixed ASAP. Also so we can find out where our {$910.00} went.

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-06-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
In accordance with the fair credit reporting act, my consumer rights to privacy have been violated. I have a federally protected consumer rights to privacy and confidentiality under 15 USC 1681. According to the 15 USC 1681  section 602 A., I have a right to privacy and In order to furnish my consumer report I must give Written instructions. I never gave anyone written or verbal consent at any time. 

The Following Collection does not belong on my credit reporXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Account # : 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have some unauthorized and unverified inquiries on my credit report from XXXX and Trans Union : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance XXXX {$580.00} XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX : {$180.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance XXXX {$1800.00} XXXX  Original creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$180.00} XXXX Original creditor XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX XXXX creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2018-08-25
Company: Experian Information Solutions Inc.
State: UT
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:
Hi! Ive disputed inaccurate information several times with Experian related to a a student loan that was never late. Most recently in XX/XX/2018 I provided letters from XXXX stating the XXXX of XXXX XXXX accounts reported as 60 days late last year were not late in the months the report claims ( or ever ), and after another long reinvestigation period, the error still has not been corrected. XXXX states unequivocally the account was never late. I dont know what else to do after providing proof on the companys own letterhead and still getting no result. Its been almost a year Ive been trying to get this fixed with no results.

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 2022-06-02
Company: EQUIFAX, INC.
State: FL
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 am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXXXXXX and now by the Credit Bureaus Equifax Information Services, I sent a copy of my identity theft report, a copy of my driver 's license and social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. ( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ) why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA Law Day by day. They do what ever they want with your consumer report and No one stops them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: LEXISNEXIS
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Lexisnexis is NONCOMPLIANT AND NOT DEPENDABLE WHEN IT COMES TO PROVIDING ACCURACY WITHIN A CONSUMERS CREDIT DISCLOSURE! Although I have called and authenticated myself several times on the same phone call with several different representatives, lexisnexis is still addressing me as a man. If lexisnexis completed a thorough, accurate and complete investigation then there is no way this company can be claiming to have verified this alleged bankruptcy listed on my credit report???? How are you verifying any personal information for a man when I am a woman?? Why do you keep addressing me as a man when Ive sent you my drivers license, utility bill and social security card?? Please take this complaint as you have been put on notice that I am moving forward with legal proceedings! This company is noncompliant and did not complete an investigation that is fair to me as the consumer. How will you initiate a dispute on my behalf to the XXXX, XXXX and XXXX when you are referring to me as a man?? The three credit bureaus will not be able to dispute this alleged bankruptcy because you have provided them my file as being a man!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: OH
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:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following addresses : 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 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 2023-12-29
Company: Stellantis Financial Services US Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am having a issue with my vehicle loan servicer First Investors Servicing Corp. 
I had a 72 month loan which was paid in XX/XX/2023. During this loan period I skipped XXXX payments and had them put to the back of the loan. When my loan was due to be paid in XXXX. There was still a balance due the maturity date changed, I then saw I was scheduled to pay XXXX payments and not the original XXXX. I have as of today paid XXXX payments which is a extra over the XXXX. 
Theres no way by putting XXXX payments to the back of my loan I magically owe XXXX payments. That would mean for every payment I put to the back I now owed XXXX payments. 
This would be abusive financial conduct and predatory lending practices. I have contacted the company and asked to speak to their legal department to rectify this I havent heard anything in about 3 weeks. 
I would like this resolved fairly.

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 2018-08-25
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:
Experian REMOVED a POSITIVE item from my credit report ( PROOF OF HAVING PAID OFF MY U.S. DEPT.  OF EDUCATION STUDENT LOAN IN XX/XX/XXXX! ). They REFUSE to put that POSITIVE REPORT back on my Experian report, in spite of the fact that : a. ) it is NOT an adverse item, b. ) it is supposed to remain for TEN YEARS, and c. ) I did NOT ask for the item to be removed. This is an item that MAY INCREASE MY CREDIT SCORE!

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a victim of identity theft by a collection company called XXXXXXXX XXXX XXXX and now by the Credit Bureaus Transunion LLC, I sent a copy of my identity theft report, a copy of my social security card as proof of my identity, plus proof of my current address. I requested that the consumer reporting agencies place an immediate block on the following fraudulent information ( documents attached ) in my credit file within 4 days upon receipt of my correspondence, and they ignored my request. 

I filed a complaint with the Attorney General as well. 
( Attached ) all documents sent in support of my claim ( attached ) Opportunity to cure letter ( attached ). 

why the Consumer Reporting Agencies wants to take advantage of consumer rights, they don't care and just violate the FCRA law day by day. They do what ever they want with your consumer report and No one stops them.

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 2019-04-05
Company: FACTUAL DATA CORP.
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:
On XX/XX/2019 I received a call and email from my mortgage provider/service provider XXXX Mortgage ( XXXX XXXX ) to refinance. I said i am not interested. The next day XX/XX/2019 at around XXXX am I received another call from a different rep. I can not talk they should call me back, soon after that they ran a credit check. When I contacted the company they told me that i gave consent because when I told Him he should call me back he said I will call you back at XXXX I am going to pull up an updated mortgage statement and a credit check and I answered OK which literally meant OK you can call me back. 

Where was my signature? They want me to take a NEW loan, which mean it is a new business relationship and it has nothing with my old load they would need to have written consent. 

I believe it was a fraud, i told them I don't want to refinance, so they sent a more aggressive agent, when he called I said I can not talk, which I couldn't then he mentioned some words which you can guess i wasn't listening because I couldn't talk that time. Now they say I gave consent. I think it is ridiculous and my credit check should be removed from my report.

Company response to consumer: Closed with explanation