BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-13
Company: LOBEL FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Lobel Financial Corporation, located in California, is currently financing my car loan. A few months back, I was a victim of Identity Theft, due to my doctor 's office computer server was breached, and a lot of client 's information was compromised. That was the reason I was late a month on this loan. 

After that, they instructed to make payments using XXXX XXXX or XXXX XXXX, and I am not longer qualify to make payments using the company website until further notice. I spoke with one of the agents, and he told me this was a temporary situation, and I will be able to make payments online, the same way I was doing before my identity was compromised. 

I was trying to make a payment using the website, and once again, the system is not allowing me to do this. I called Lobel Financial Customer Service, and they told me that I am not longer able to make payments, probably for the rest of the life of the loan. The agent also told me that to make payment using the company website is a privilege and not a right. 

The primary situation is that I live in Texas, and the near office of Lobel is in XXXX, XXXX, or XXXX XXXX, and those offices are two to three hours away from my primary residence. 

I believe that Lobel is incurring an unfair practice and cause me a double penalty by forcing me to pay an extra fee to send the payment electronically. They not even a chance to reconsider or also appeal to any other authority in the loan department. Please advise me on what I can do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I fell victim to a multi-layered scam operation run by an XXXX XXXX who wanted to learn more about American culture ( XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).

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 2021-04-02
Company: Diaz & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Comment Demanding {$2000.00} to settle a balance of {$11000.00} XXXX XXXX XXXX # XXXX Absolute Fraud! 

I have not had a XXXX XXXX Account since XXXX or XXXX My Credit score is VERY GOOD and There is nothing on my 3 Credit Scores that is Negative. 

Nor has there been anything for at least 17 years. 

XXXX  the Company and they seem to be a Predatory Fraudulent Company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern, I XXXX am writing you today as an aggrieved man. I am a victim of identity theft. I checked my credit report with Equifax today and noticed unauthorized hard inquiries I have knowledge of. A variation of my name and addresses I have never resided at. This fraudulent activity needs to be removed from my credit report post haste.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: EQUIFAX, INC.
State: NC
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. 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 XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DEAR CFPB : THIS IS A VERY SERIOUS LEGAL COMPLAINT INVOLVING A MORTGAGE COMPANY, SPECIALIZED LOAN SERVICING, LLC AND A TRUSTEE THAT WAS APPOINTED TO SELL A HOME IN A DIVORCE CASE.

THE MORTGAGE COMPANY VIOLATED MY RIGHT TO PRIVACY BY GIVING THE TRUSTEE CONFIDENTIAL INFORMATION. THE TRUSTEE WAS WORKING AGAINST MY BEST INTERESTS TO HER FINANCIAL GAIN.

THE MORTGAGE HAS VIOLATED FEDERAL PRIVACY LAWS AS WELL AS ACTING IN BAD FAITH AGAINST ME AS THE CUSTOMER.

THE MORTGAGE COMPANY ACTUALLY SENT THE TRUSTEE DETAILED TRANSCRIPTS OF PRIVATE PHONE CONVERSATIONS THAT I HAD WITH THE MORTGAGE COMPANY IN DIRECT VIOLATIONS OF MY ORDERS NOT TO DIVULGE ANY INFORMATION. 

THE TRUSTEE IS CURRENTLY BEING INVESTIGATED BY LAW ENFORCEMENT AND THE XXXX COUNTY MD STATES ATTORNEY. THE ATTORNEY GRIEVANCE COMMISSION HAS ALSO OPENED AN INVESTIGATION. THE ATTORNEY IN QUESTION IS XXXX XXXX. I HAVE ALSO INVOLVED XXXX XXXX, WHO IS AN ATTORNEY WHO WORKS FOR THE MORTGATE COMPANY. 
I WOULD LIKE TO INITIATE A FORMAL INVESTIGATION AGAINST THE MORTGAGE FOR VIOLATIONS OF PRIVACY, AND WIRE FRAUD.PLEASE CONTACT ME SO I CAN PROVIDE MORE SPECIFICS TO THE CFPB. 

THANK YOU FOR YOUR ASSISTANCE IN THIS VERY IMPORTANT MATTER

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 2021-07-16
Company: EQUIFAX, 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:
For the record, there was no response and negative information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 50 days and again 10 days ago The investigation took longer than 50 days This is a Direct Violation of Fair Credit Reporting ACT Section 611 ( a ) ( 1 ) ( A ) As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ) I am maintaining a careful record of my communications with you on this matter, for the purpose of filling a compliant with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14 1995 ), you will be liable for your willful non-compliance. Please remove all Fraudulent accounts as I have no knowledge of these accounts due to the Equifax Data Breach/ Identity theft. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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 4th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-06-20
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-06-20
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: Information belongs to someone else

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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 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 2018-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
transunion file # XXXX shows XXXX  as closed -it is open and current-show history-this was deleted incorrectly after investigation-i only requested an update in balance, XXXX and XXXX XXXX still show as closed -they are both open and current-show history, XXXX   unsecured is recently paid off, show history of a past open acct with history cfpb has stated this is a repeat but it is not, this has not been resolved pls correct this with transunion as they have been provided the fact from these creditors that these accts are open reaffirmed and have been in good standing, i would like this updated to show all 3 accts as open, show paying history and update scores, i would also like XXXX   credit card to be reinstated on transunions report with the excellent history that i have with them, i have tried to resolve this for almost a year and feel that filing a lawsuit will XXXX  the best results if this complaint does not resolve the matter, this is damaging to credit which i have worked hard to repair

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: ARVEST BANK GROUP, INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2021- Received a promotional card offering {$150.00} bonus to open an account with Arvest Bank. My dad has an account at Arvest, and I thought this new account would make our monthly business easier. The one internal recurring ACH to my dad 's account will cover the bonus account activity requirements for the promotion, it said. I opened the account, and set about using Arvest 's online banking feature to setup the recurring ACH 's from my local bank account to my new Arvest account, and also the subsequent transfer to dad. I tried to be mindful of the transaction dates, knowing that my local bank 's system still relies on paper instructions to a certain extent. 

Late XXXX, 2021 - because the scheduled date of my recurring Arvest transfer fell on an upcoming weekend, I inquired as to when the bank would process it. I was told XX/XX/XXXX, the following Monday. What has happened over the last 39 days can not be documented in this text box. 

XX/XX/2021 - after closing my account and removing all visibility to it ; after a full month of threatening notices, being treated like a criminal, and a refusal from over a dozen Arvest Bank employees to discuss the matter with me, and finally, after almost calling an XXXX  during a XXXX XXXX because of my XXXX  for which I receive XXXX XXXXXXXX payments, Arvest Bank took another {$1200.00} out of my local bank account. And this week, I have watched my account dwindle down because of the automatic payments for utilities, etc. are posting. Yesterday, my balance in the local account was {$3.00}. Today I am over-drawn. I was told yesterday by Arvest that my money would be returned this week. I don't know what else to do. Thank you in advance. 
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 2023-06-20
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. The list of accounts XXXX has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

Account name : # 1234, Accounts name : # 1234 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 then records of conversations of crimes which antedates the report by more then seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shell not furnish any information relating to a consumer so any consumer reporting agency if the

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 2017-10-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo is charging {$800.00} fees that I have called to get over turned they do not want. They just rip people off. My checking I had with them force my account negative to take out the mortgage payment and charge me a overdraft fee {$35.00} dollars every single month.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to address persistent inaccuracies on my XXXX consumer report. The provided documentation proves my legal name as XXXX XXXX XXXX. Requesting the immediate removal of inaccurate names, outdated addresses, and incorrect employer information : 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 XXXX XXXX XXXX XXXX Only accurate details are : Full Name - XXXX XXXX XXXX, Mailing Address - XXXX XXXX XXXX, Phone - XXXX, Email - XXXX. Urgent attention and timely resolution requested. 

Thank you. 

Sincerely, 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
this was not sent in error, and not a material misrepresentation PROCCESS THE DISPUTE See 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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I currently have some accounts and inquiries on my credit report I have listed supporting documents below.

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 2023-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: In progress
Consumer complaint received 2017-10-29
Company: Kashia Services
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On or about XXXX XXXX, XXXX, {$500.00} was deposited into checking account from XXXX. The annual interest percentage rate is 780 % with finance charges being {$3400.00} with total payment being {$3900.00}. XXXX XXXX XXXX then contacted me by telephone the same week exposing XXXX XXXX to me that their ( inbox loans ) lending practices violate Indiana laws by exceeding the interest to be applied towards payday loans at an annual percentage rate of 10 % of {$500.00}. 780 % finance charges for this payday loan far exceeds Indiana Statute 24-4-4.5-101 et  seq. and is a direct violation of the Indiana Statute which prohibits these types of finance charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
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:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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