BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from LakeView Loan Servicing LLC. There was no postage date on the outside of the envelope to indicate when it was actually mailed. Also, there was no real identifying information this was a notice of any importance. The envelope contained a letter stating personal information was part of a data breach. The company became aware of a security incident " early XX/XX/XXXX '' and explained an " unauthorized person '' gained access to files on storage servers from XX/XX/XXXX to XX/XX/XXXX. A quote from the letter : " On XX/XX/XXXX, the review process generated a preliminary list of individuals including you, whose name, address, loan number, and Social Security number were included in the files. We then took extensive measures to review that list to ensure accuracy and prepare the list to be used to mail notification letters. For some, the access files may also have included information provided in connection with a loan application, loan modification, or other items regarding loan servicing. '' The company had a duty to protect private individual information and did not exercise due diligence in protecting customers from loss via identity theft and fraud. The boiler plate letter dated 6 months after the data breach began is insulting to the 2.5 millions customers whose sensitive personal information is now out of the dark web, and offers very little support.

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 2020-04-24
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My complaint involves BMO Harris Bank NA. I filed bankruptcy on them over 10 years ago on a second mortgage. I have been trying to negotiate the second mortgage for almost two years now. BMO Harris Bank NA, ran a hard inquiry on my credit bureaus, XX/XX/XXXX of 2019. At that time we were in negotiations for a settlement. I was not aware they ran my credit, nor did I give them the authority to run my credit. After they ran my credit, they saw that I had a good credit score, and decided to settle for the full amount. I know they illegally ran my credit without my consent or any signatures. This also influenced their decision with their settlement amount. I am filing the complaint today because I want action taken against BMO Harris Bank NA for running my credit without my consent. Also I would like to know if I have any legal Avenues against them? Such as filing a lawsuit against them, or suing them in state or federal court.

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 2021-06-12
Company: Marlette Funding, LLC
State: NY
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 have these accounts that are not mine and i want it to be remove. 

1. Chapter XXXX Bankruptcy Case Number : XXXX 2. XXXX XXXX 3. XXXX XXXXXXXX 4. XXXX XXXX XXXXXXXX XXXX 5. BESTEGG XXXX 6. XXXX XXXXXXXX 7. XXXX XXXX 8. XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act

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 2017-10-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
every time that my insurance has policy is up for renewal I get letters in the mail saying that I have had an insurance cancellation so they send me letters saying they are going to provide me with forced insurance and that is when all the fun starts I have my insurance agent fax them numerous declaration pages they force insurance raise my payments due to the increase escrow needless to say I spend hours day after day only to talk to a different person each time who assures me that the problem is solved this started mid XXXX and it is now XXXX tired of all the calls and time only to get charged for both insurances and a high payment

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Attention to XXXX, XXXX, and Transunion, I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my State ID and a utility bill. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. The letter is notarized to prove that it is me sending the document.

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 2021-06-12
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/209. I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 4. Validate Account XXXX XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

7. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

9. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

10. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

11. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

12. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

14. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

15. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report.

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 2022-04-08
Company: EQUIFAX, INC.
State: RI
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, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: EQUIFAX, INC.
State: PA
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:
Hello, XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: Russell Collection Agency, Inc
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
on my credit report RUSSELL COLLECTION A G-XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Opened XX/XX/XXXX ( 5 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original Creditor Name XXXX XXXX I was n't in XXXX mi. only in XX/XX/XXXX untill XX/XX/XXXX and i never had XXXX work done an never when to that place. there was a XXXX man name XXXX XXXX XXXX they stolen all my stuff birth cer. my daughters birth cer. my medical records on my health problems and more and there is changers on my credit report i did do from XX/XX/XXXX till now and i do n't know them people using my sscard or my identie but i am for sure XXXX XXXX are doing it

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 2017-12-26
Company: EQUIFAX, 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:
My name is XXXX XXXX. Equifax does not want to remove a charged off account from my credit report that is not mine. I have never had an account with XXXX XXXX and yet Equifax is reporting that I have a {$16000.00} past due account with this company. The account number on my credit is # XXXX. I have sent disputes since XXXX XXXX and to this date, I have not received a proper response as to why they are making this mistake on my credit. The worst part is, I have already called this creditor company and they can not find my information in their system. They are telling me I need to dispute this account with the credit bureau in order to have this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 I have documentation for all I am disclosing if needed. So I have XXXX XXXX they said my score was XXXX Transuion good XXXX XXXX Excellent. So I applied for a loan.The bank said my credit score is XXXX and stated that this is XXXX score and the loan was declined. I contacted the bank they said this is my score from XXXX. Then I pulled my credit score from iXXXX it said XXXX transunion XXXX XXXX and XXXX 674. I also pulled Transunion score it said XXXX. Please tell me what score is correct this is very unfair to consumers if I knew my credit was in the 600s I would have never applied for the loan and would have worked on improving it. I retrieved these scores by following the letter from the 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 2022-04-08
Company: CITIBANK, N.A.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a personal loan thru citibank application XXXX, my loan was denied and I waited for letter to let me know reason. The loan was denied because according to citibank I have a fraud alert on my XXXX report. I called XXXX they said I have NO alert on my credit. I called citibank they claim I still have alert? I Called XXXX again they said I dont have alert on file. Citibank requests i reapply for loan system wont allow me because it still shows above application.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: AFNI INC.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection letter from Afni, Inc. ( see attached ) attempting to collect {$1200.00} Creditor XXXX XXXX. We have not done business with XXXX XXXX for over two years, and all equipment was returned and no balance was due. We have not received any notices from XXXX XXXX, and this account has not showed up in any Credit Reports. I'm starting to think I'm on some sort of scammer list, and these collection companies are sending letters just to see if I will " bite '', and send them money. I will also attempt to file a complaint with the Wisconsin Attorney General Office. Any assistance would be greatly appreciated. Thank you. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX.  Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years of automatic payments, I did not check. There was absolutely no email, phone or  written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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 2022-04-08
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dear Sir or Madam : I am writing to inform you about fraudulent credit card charges on my Barclay 's business credit card. There were 26 fraudulent charges from a fake merchant ( XXXX XXXX ) totaling {$12000.00}, beginning on XX/XX/2022 and ending on XX/XX/2022. On XX/XX/2022, I reported this to Barclays immediately upon recognizing the fraud charges. 

I have never done business with XXXX XXXX. I did not authorize these charges. This is a fake merchant with fraudulent charges applied to my credit card. I do not have a XXXX account with the account number listed in these charges ( XXXX  XXXX ). 

Shockingly, Barclays fraud protection did not recognize grossly abnormal charging activity on my account involving 10 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), 7 charges on the same day ( XX/XX/2022 ) for the same amount ( {$500.00} ), and 6 charges on the same day ( XX/XX/2022 ) again, all for the same amount ( {$500.00} ). Barclays failure to act to protect my account against blatant and extremely repetitive fraud charges is gross negligence and a failure to protect this account holder. 

My attempts to rectify this fraudulent activity have fallen on deaf ears at Barclays. Despite calling every day to ask for help and repeatedly report the fraud charges, each time I am transferred to a department that has me start over with my reporting, providing no solutions nor answers as to why Barclays allowed me to fall victim to this theft, and enacting no remediation. I have called for 8 days in a row and my account still shows all of the fraudulent charges present and the balance due this month does not reflect removal of these charges. 

I am a XXXX that began my house call practice as a XXXX XXXX XXXX XXXX XXXX XXXX in XXXX. This Barclays card is my primary business credit card which I place XXXX XXXX+ in business charges on every year for my XXXX XXXX  expenses. This fraud has put my business at risk and Barclays has not done due diligence to recognize and prevent this illegal activity, nor has Barclays provided a timely resolution and correction. 

I welcome a representative from CFPB and Barclays to contact me directly to inform me of the immediate resolution of this fraud and removal of the 26 charges totaling {$12000.00}. Please investigate this matter and help me to correct the billing error.

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 2017-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
To Whom It May Concern : A system error has resulted in a negative credit report that I hope to get amended. 
I leased my car in XX/XX/XXXX and was making timely payments through XXXX ' own online auto-pay function. All payments were credited on time with no issue. An internal error resulted in two payments being pulled for XX/XX/XXXX. Subsequently, I suspended the XX/XX/XXXX payment. A second internal error cancelled the auto-payment function with NO notification. As you can imagine after 2+ years  of automatic payments, I did not check. There was absolutely no email, phone or written contact by XXXX. 

XX/XX/XXXX I received the first contact from XXXX that my payments were now late. Immediately the balance was cancelled and set up to date. Unfortunately, despite not receiving a call, email or letter prior to this my credit report was negatively impacted. I reached out directly to XXXX to attempt to clarify the situation but they were no help. 

Once my records are reviewed you will notice I have worked very diligently to make timely and responsible payments and maintain a clean credit report. I am aware that there are individuals that intentionally miss payments and try to manipulate the system. I would not be wasting my time or your if this were the case. Please remove this negative report from by credit score as I should not be faulted for a system error.

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 2021-06-12
Company: Lending Club Corp
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:
I've been charged with borrowing money from the Lending Club on 3 separate occasions, and I haven't borrowed from them on any occasion. 

First Loan {$8000.00} Opened XXXX XXXX Closed XXXX XXXX Paid as Promised 2nd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Paid as Promised 3rd Loan XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Charge Off I've explained in 2 letters that none of the accounts belong to me, I've ask them to send me proof of ownership, and they have not answered any of my letters, They have sold the account to two other companies since then, I've ask them for the same information and they refuse to answer my letters.

Company response to consumer: Closed with explanation