BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-11
Company: LEXISNEXIS
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:
Lexis Nexis is in violation of my consumer rights. Lexis Nexis has taken information from the PACER system and sold that information to other reporting agencies.

Lexis Nexis is in violation of FDCPA 15 U.S code 1692 a Abusive invasion of an individual privacy It is a federal offense to sell personal information of any consumer for monetary or any purposes for the matter.

Lexis Nexis is in violation of 15 U.S code 1692 d ( 1 ) Any bad debt furnished on my report is ruining my reputation and defamation of character.

I will provide proof in an attachment letter directly from the US Bankruptcy court stating they do not furnish bankruptcy on consumer reports because it's against the law.

Lexis Nexis is in violation of 15 U.S code 1681 b Permissible purposes of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I, XXXX XXXX never gave Lexis Nexis any written consent to report anything on my consumer report, No consent is identity theft. A copy of the law is above. 

Concerning the account listed below as a consumer, I'm demanding the deletion of this account from all reporting agencies. 

US Bankruptcy I have demanding this information be deleted from my private consumer report numerous of time. No one other than myself can verify accurate information according to the consumer federal laws.

Lastly, Lexis Nexis has continued to violate my consumer rights and they are also in violation of 18 U.S code 1028 A Aggravated identity theft ( a ) offenses ( 1 ) In general Whoever,, during and in relation to any felony violation enumerated in subsection ( c ), Knowingly transfers, possesses, or, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Each violation carries a fine of {$1000.00} and a possible imprisonment of 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The dentist stated the loan was denied for the implants. I never received any implants or services but was still charged. The account was closed but never removed from my credit. 

ComenityCBXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: AZ
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 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, 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 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 non-monetary relief
Consumer complaint received 2019-04-03
Company: LDF Holdings, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I originally applied for a {$1000.00} loan and was told if the loan is paid off early, the amount paid would be towards the principal verse waiting and paying off the loan in 1 year. When I called to pay off the loan early, I was told I could not pay off the loan due to having a makeup payment. I was told the earliest pay off date would be XX/XX/19 and in the amount of {$1200.00}. I would be paying an additional {$1700.00} until the date of XX/XX/19. When I asked what was paid on the principal, I was told {$150.00}, but to pay off my loan now, they wanted {$1400.00}. I have already paid {$1800.00}, This is fraudulent business practices and I have paid over {$1800.00} and consider this loan paid in full due to their fraudulent practices and California pay loan practices. The emails I have attached to this complaint even show they have used two different loan account numbers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
CFPB I have a new case number with the United State Court because the last case number was closed because they didnt have all the information forms filled in which I left blank. The new case number is XXXX XXXX XXXX v Select Portfolio Servicing et al I refiled the case mostly with the documents I received from you all ( CFPB ) thank you all so so very much you all are the people XXXX angels and thank you for standing up especially for indigent and poor people, May XXXX continue to bless CFPB employees you all are the best!! Therefore Im asking for your continued assistance with the above case number. Select Portfolio Servicing did not apply 3 mortgage payments to my loan account number : XXXX now they are saying I owe payment for XXXX, this is false my mortgage payments are current please review attachments of exhibits A BC and D also they are adding late fees and increasing monthly payments to XXXX which is incorrect my property insurance went down and decrease {$630.00} dollars also before they sent out my new mortgage payments was {$110000.00} which was excessive overcharging. Also Im questioning the Hazard Insurance, why do I have hazard insurance added as Additional insured ( s ) and other additional interest ( s ) all these unknown and unneeded insurance fees and make me pay for, this is a big problem. I got a letter asking if I want to refinance or do an loan modification agreement, this is crazy when this whole loan modification was misrepresented by false documents and false insurance claims.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: BSI Financial Holdings, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/2020 I applied for a loan modification as the payments have become onerous for my wife and I. Today ( XX/XX/2020 ) I was offered a modification. However the trial payment plan that was offered actually had my monthly payments increase significantly to roughly 50 % of my monthly income. My monthly payments were {$5700.00} ( PITI ). They are now saying I should pay an additional {$3100.00} bringing my payments to over {$8800.00}. 

Additionally the current interest rate is very high compared to the rates being offered now. My interest rate is 6.375 %

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX called me on XX/XX/XXXX stating I owed old navy from XXXX and they were taking action to suing me for over {$3000.00}. The woman XXXX XXXX said I can either make a one time payment of {$860.00} or make monthly payments of {$100.00}. I was so afraid I agreed to monthly payments of {$100.00}. I gave a partial payment of {$75.00} and am required to make another payment of {$25.00} Friday XX/XX/XXXX. She took down my card information and said payments will be automatically taken from my card the XXXX of every month and if I was to default on the payments I will be served and taken to court to pay the {$3000.00}. When I got home I spoke with a family member who said it could be a scam. She looked up the address for XXXX XXXX  XXXX and it is actually a XXXX store in California. The number is a 888 area code. I dont know if this is real or in fact a scam. Im scared and need some type of 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 explanation
Consumer complaint received 2023-11-10
Company: Midwest Fidelity Services, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a company that kept charging me after service was canceled months prior. This company was for a business account and not for a personal creditor. Service was canceled, but they ignored the cancellation email and kept charging the business, and had tried to place this debt which doesnt belong to me on my personal credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was hit hard by COVID, selling assets to bring my loan current in XX/XX/2021. I contacted my servicer Flagstar for options and was told for a loan modification, my loan must be delinquent and to not make my next payment. I did as instructed and re-contacted for a loan modification. I went thru the process and was informed I would receive an overnight package with term options. No formal underwriting was required and Id met the guidelines. I received nothing.I contacted the servicer and have had to repeat the exact same process more than 5 times. 8 months have passed. At last contact the employee stated I was the one causing my loan to be recoded out of loss mitigation process by logging onto the website. Their recording states, IF Im in the loss mitigation process I dont need to do anything. Then I receive a letter saying, we have received your notice that you are resuming your mortgage payments. Employees have assured me, due to my status and COVID requirements, the modification would be 4-6 weeks. Im now at 8 months and recently received a full application for a loan modification to include taxes, financials etc, after being told several times my loan was in underwriting to reduce my loan payment. I believe the delay was intentional to wait out COVID requirements, so they can foreclose. I have a decent amount of equity and homes are selling within a day of hitting the market. Ive stressed my situation repeatedly. Last year, their tone was gracious and helpful. Now, its abrupt, rude, collection calls and Im very afraid I will lose my home.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: OK
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 U.S.C 1681. Account name : XXXX XXXX account number:XXXX.account name : XXXX XXXX account number:XXXX. Account name : XXXX XXXX account number: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 State a consumer reporting agency can not furnish a account without my written instruction 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 andodates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) a person should 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 non-monetary relief
Consumer complaint received 2022-04-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX agreed to delete my negative item from all 3 credit bureaus. Experian has not been cooperating in deleting per proof given to them. Please see the 4 attachments

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 2021-04-05
Company: MRS BPO, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX RE : XXXX and MRS BPO, L.L.C. 

On XX/XX/XXXX XXXX sent my bill to " XXXX  '' for collection. Upon XXXX  reading my complaint through CFPB they determined their was no reason to pursue this charge from XXXX. 

I talked to dozens of people at XXXX about my XXXX not working properly the day after I received it. I kept getting kicked around from person to person and department to department. I finally reached a specialized department that immediately told me I had a free exchange due me. XXXX sent me a return box and instructions on how to return the faulty phone and I was sent a replacement. I have not had any trouble with the replacement. I have never had trouble with any phone since I started using cell phones in XXXX. 

I sent the phone back as instructed and the next thing I get in the mail is a collection notice. 

XXXX sent me a return box and authorization. With out having that authorization and box with a shipping label through UPS I could not have returned the phone. I do not know what happened from my returning the faulty phone to them sending a bill to collections. I can not get anyone at XXXX who knows anything to explain what happened. 

After being treated so horribly from XXXX, I switched phone service. I made sure I was paid in full and canceled their service. 

I am sorry XXXX is so vindictive and so childish to first allow a return and then, because someone, in some office, in some town had a bad day, decided I should be charged. It's very upsetting. 

I do not owe this bill. I will never pay this bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting 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 XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section 602 States that I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-09
Company: Credit Control, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX debt sold it agin to credit control account currently listed on my consumer report which is a direct violation of the FDCPA. I am refusing to pay this alleged debt and demand that this company cease and desist with any further negative reporting on my consumer report or they will be sued in federal court for trying to collect on a debt that I do not owe them. I have never contracted with this company and demand that they provide proof that I signed a contract with them and agreed to pay them any money for the alleged debt. Any further attempt to collect is a federal crime under 18 USC 894 as this company is attempting to collect on an extension credit. Since they will not be able to prove that I owe them any money, I demand these accounts be immediately removed from my consumer report as this information is harming my credit reputation. The account is as follows : Acct # 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 2023-03-02
Company: Experian Information Solutions 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: 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 - XXXX, XXXX XXXX - XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 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 non-monetary relief
Consumer complaint received 2023-09-06
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried multiple times to get a copy of credit report from all three bureaus by letter and over then phone. Bureaus continue to say that report will arrive within XXXX business days and nothing comes in. I continue getting stall letters in the mail stating that bureaus are needing verification of identity. I have submitted copy of consular card, ITIN number and energy bill to verify address and identity. I have verified identity with these documents and they are not providing credit report. I have the right to a free copy of credit report by law.

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 2023-03-02
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I pulled up my credit report on FREECREDITREPORT.COM.and it showed that I have a negative report on a old student loan. 

The student loan is dated in XXXX, and approximately owe {$2000.00}. I am unable to pull it up again because I have to pay for this report. Originally when I pulled it up in XXXX, it was free. 

The student loan is an error because I did not apply for a student loan in XXXX. I possibly had a student loan in XXXX, but that was 8 years ago. I would like the credit report to update and remove this old loan that is over 7 years old and no longer valid.

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 2020-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up a new capital one money market 360 account online last XXXX and enrolled the " deposit $ XXXX, maintain for 90 days and get {$500.00} bonus '' program. I'm pretty sure I clicked 'apply now ' on the advertised page and my account was successfully opened at XXXX XXXX, the $ XXXX new money was transferred in on the next day. Unfortunatelly, I haven't seen the bonus today in my account. It seems like there is a system glitch somewhere on the bank side and they refused to honor the bonus while I contacted them with the customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
equifax recieved my documents by fax and certified mail. I spend hours on the phone. They have incorrect information reporting and I sent all proof they said they never recieved it several inquires and XXXX XXXX XXXXXXXX on my credit report.

Company response to consumer: Closed with explanation