BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-24
Company: Experian Information Solutions 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-01-18
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Lakeview Loan Servicing ( LLS ) contends that Defendant is XXXX months past due ; however, Defendant was current on the mortgage until the XXXX pandemic in XX/XX/2020. Moreover, the escrow shows a delinquency listed at {$7800.00} past due ( the equivalent of 14.4 months past due ). This discrepancy indicates XXXX has falsified its accounting and there is no basis for foreclosure until a proper accounting is provided. Defendant was never served with notice for mediation. XXXX. The purpose of this legislation is to avoid unnecessary foreclosures of residential properties and thereby provide stability to Indiana 's statewide and local economies. Moreover, the mortgage at issue is an FHA loan. Per the CARES ACT, LLS should make a partial claim made via FHA to bring the account current or the past due amount should be recapitalized to the back end of the loan per the Covid 19 Recovery Modification.

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 2023-01-24
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for a XXXX XXXX XXXXXXXX credit card from XXXX to XXXX The account # on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is an ongoing situation that is far more then my bank. Its my son my brother his wife. They all have fraudulently destroyed my youngest son SSI and my payments. They have comprised my cable and hacked our devices. They have planted things in my unit destroyed both vehicles twice. My mom left me beneficiary after her death. They have destroyed my mail and hers. They are impersonating me with social security, XXXX and XXXX. I have made a report with Federal Trade Commission. They gave me a reference number. Tried making police reports but phone keeps disconnecting do to monitoring. I my keys and wallet has come up missing in the past. Online shopping in my name unauthorized. PLEASE, whom ever gets this, PLEASE HELP ME. My life and my youngest sons life is in danger. I have contacted prosecutor XXXX XXXX office for help and was told to seek a probate attorney ASAP because she felt I was in danger as well. I tried contacting XXXX  to block my credit report, no luck. I have no one to go to for help. I desperately need help with this. I have done nothing, this is all about my mom and our closeness that her and I shared. My email accounts are hacked. All of my phones ( 7 ) has been compromised. This is the eighth phone in 1 1/2 years. Please someone help me. I am constantly getting scam calls EVERYDAY .... please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 XXXXXXXX XXXX # XXXX Account XXXX, XXXX XXXX Account XXXX XXXX XXXX XXXX Account XXXX, XXXX XXXX XXXX  Account xxxxxx XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Account 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 ; I did not give them 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 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Ive sent Bank of America multiple requests to remove PMI from my home loan due to meeting the 78 % requirement since  XXXX   XXXX . Bank America has refused to grant my request stating that I must pay a partial claim in full before I am able to remove PMI. Ive asked Bank of America to send me language in writing which states that I am required to carry out such action. Bank of America has failed to do so.
I initially thought that I could use new appraised home values to remove PMI. I contacted FHA and was informed that I can only sue the original appraised value at the origination of my loan. As a result, I have amended the amount of PMI payments in which I shall be refunded. FHA also informed me that there is no language within the Housing Policy Handbook which states that I must pay my partial claim in full prior to removing PMI. My loan was modified in  XXXX . I understand that homeowners who obtained loans after   XXXX    are unable to remove PMI. However, this does not apply to my loan.
I was informed by a FHA resource representative that I have to make another attempt to contact Bank America to resolve the issue. Bank of America has failed to resolve this matter.
The original appraised value of my loan was {$200000.00}. Based on my amortization schedule, my current principal balance is {$160.00}. Ive met the 78 % LTV ratio since   XXXX    XXXX  when my principal balance was {$160.00}. As a result, I have recalculated the amount ( {$320.00}  XXXX    XXXX     XXXX   ) of PMI payments in which I shall be refunded. Can you please assist me with enforcing Bank of America to comply with the terms of contract agreement.
Regards,   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 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
in accordances with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 a state i have the right to privacy 15 u.s.c 1681 section 604 section 2 it also state a consumer reporting agency can not furnish a accounts without my written instruction.

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 2017-07-17
Company: Advantage One Credit, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
I 've had the title loan with Advantage one credit for about 3 years now. It was almost paid off! I have agreed to a final payoff of {$1200.00} ( 3 payments ) in  XXXX  2017. The 1st payment was made.
Since then the car was wrecked and I have   XXXX   XXXX   and a settlement was agreed to.
The problem is that Advantage One credit that is on the title for the car has gone out of business and is no where to be found. Very disappointing since I need release of the title to get the settlement from   XXXX   for the car.
Advantage One credit is a   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   in Oklahoma. They have answered the phone but have not been helpful to this point.
 XXXX  is trying to get closed but will not until we get the title for the car figured out!

Company response to consumer: Untimely response
Consumer complaint received 2017-07-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
ON   XX/XX/15    XXXX   XXXX   XXXX   CALL ME TO COLLECT A COLLET ACCOUNT and requested for me to pay the bANK OF AMERICA ACCOUNT AND I DID PAY OFF A TOTAL OF  XXXX  AND NOW BANK OF AMERICA IS TAKING ME TO COURT THAT I DID NOT PAY I BEEN CALLING   XXXX   XXXX   AND NO ONE CAN HELLP ME I DONT KNOW WHAT ELSE TO DO.

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 2023-06-22
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: Received unsolicited financial product or insurance offers after opting out

Complaint:
On XX/XX/2022 we applied with XXXXXXXX XXXX XXXXXXXX to refinance, as soon as my credit was unlocked so the mortgage process person could run it, I began to get phones calls about 25 to 30 phone calls from several different mortgage companies. Everyone stated that Equifax gave them my information that I was running my credit for a refinance my mortgage... this appears to be illegal for Equifax to share my information, WITHOUT my consent... can you please help??

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I never applied for a XXXX XXXX XXXXXXXX credit card from XXXXXXXX XXXX XXXXXXXX The account XXXX on my my credit report is XXXX. Someone else did this by using my information which this is fraud and theft. This needs to be remove from my credit report from all 3 credit bureaus.

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 2017-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
As I already complaint about previously Experian assigned a special representative   XXXX   XXXX   XXXX    XXXX  most of the time he 's not available, since I have complained to the CFPB they became even more difficult, today as a revenge, they stop 'd talking to me over the phone, telling me I have different rules then everybody else, and I an only write in for any requests, discriminating against me.

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 2022-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Some one is making credit application in my name. XXXX XXXX and XXXX XXXX  XXXX trans union and 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 2023-05-04
Company: Experian Information Solutions 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:
According to USC 1681g, I request that you delete these fraudulent accounts from my credit report within 15 days as they are not mine and I have no knowledge or authorization of 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 explanation
Consumer complaint received 2023-05-04
Company: Experian Information Solutions Inc.
State: CA
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 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 15 U.S.C 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2020 my life was effected by COVID just like everyone else in the world. I fell behind on my mortgage and called my mortgage company for help. They put me on a forbearance from XX/XX/2020 - XX/XX/2020 and then they kicked me off. They then sent me a denial for a modification letter. I have done some research into XXXX XXXX 's COVID assistance plans and this does not seem correct. I have since called and was told I do not qualify for any assistance, no forbearance, modification or deferral. I do not think my lender is being honest with me regarding XXXX XXXX assistance and I feel I should qualify. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-26
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. 

They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that XXXX Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. 

I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped XXXX points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. 

Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.

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 2023-02-15
Company: Experian Information Solutions Inc.
State: PA
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 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 an 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 2023-05-04
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX OF XXXX XXXX Balance : {$19000.00} XXXX  XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX XXXX Balance : {$4700.00} XXXX 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 non-monetary relief
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I asked for an audit done on my federal student loan accounts with navient two weeks ago. I asked for the audit because of recent events and because I can not see on any statement how interest is applied to my account. I can see an interest rate and simply that there is interest being applied for each loan. When I asked for an amortization calendar, they refused to provide it and gave me a calculation to show how interest should be applied. What is so infuriating is that I know that any other type of loan would show me specifically how interest is applied month over month ( mortgage, credit card, auto loan, etc ). What makes it okay to take advantage of young people coming out of college? 

An additional concern is that in the past I could apply extra funds in my payments to specific loans within my account. This is n't the case anymore. Whatever lump sum i pay in addition to my bill is distributed by them, so I literally have no idea how that money is applied. They say it 's applied to fees first, then interest, then principle. They have never provided a statement of those payments after I made them though, so it is unknown how much is being paid where and if I 'm paying future interest charges or if I 'm taking care of my principle. 

Please hold them accountable to do the right thing. I work for a financial institution and have been lucky enough to have a good job with great pay, and I 'm still watching my student loans not go anywhere. I 've only been out of school for 6 years and the tax protections for writing off student loan interest do n't apply to me because of my income level, yet, I ca n't seem to make dents into my student loans. 

Please help me get information on my loans and audit navient to ensure they are applying payments correctly.

Company response to consumer: Closed with explanation