BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-29
Company: Experian Information Solutions 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:
I am a victim of identity theft Ive noticed 7 credit accounts opened under my name that i never authorized to be opened.I first noticed these accounts opened when I interested in purchasing a home and the realtor i was working with did a credit check on XX/XX/XXXX. The accounts opened date back to XXXX I dont believe in having debt so i never use credit cards. The actions that ive taken is file an identity theft claim at my local police department in XXXX, New York like my lawyer advised me too. I then went ahead and submitted the police report and affidavit to all 3 credit bureaus ( Experian, XXXX, XXXX ). They failed to act on the information provided and did not provide me with their verification methods. Under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The consumer bureaus only added a fraud alert to my credit report no accounts have been removed even though they have not been able to verify this information my life and my families life has been drastically affected by these malicious actions and the failure of the credit bureaus to uphold the 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 explanation
Consumer complaint received 2019-08-20
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to get my VOM for Loancare for over a month, I have been assured several times that it would be delivered.  The latest supervisor (XXXX) XXXX   XXXX told me XXXX XXXX today...and to call back if it was not done.  Now, XXXX XXXX and he won't even return my calls - I am a paying customer and do not derve this kind of treatment.  I was told it would be here by noon last Friday by a supervisor, the next one hung up on me, and several customer service reps also because I said I would hold instead of getting a call back another company canned lie.  Why do people want to hold you may ask, because I have put in 10 hours with Loancare since Friday the XXXX!  As of now still do not have the request the customer is asking for...it says complete on their end, yet never received on my end.  A XXXX 12 year old can resend a fax/email  Loancare = XXXX!XXXX XXXX - is just a number to make you feel good - more 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 2021-07-23
Company: Experian Information Solutions Inc.
State: NC
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 have been a victim of identity theft. I recently reviewed my credit report to find request for information but this is all Fraudulent request. I have not applied to any of these places.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-31
Company: SYNCHRONY FINANCIAL
State: MD
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:
I found out there were authorized charges on my credit card. I called the bank and they said they would investigate. On XX/XX/XXXX, they sent me letter to conclude I would not be responsible for the charges ( {$480.00} ) However on XX/XX/XXXX they secretly charged the same amount back to my closed credit card account and direct debited from my XXXX checking account. When I called on XX/XX/XXXX to complain about it, a lady told me they would send me the check or credit back in about 2 weeks ( which was a lie ) Today XX/XX/XXXX, I called them again, they kept transferred me back from one department to another for 5 times for 93 minutes without solving the problem. When I asked to speak with someone in highest position, each one told me she was the account manager. I asked the lady how they could close my credit card account in XX/XX/XXXX and reopened secretly and charged me back on XX/XX/XXXX. Her answer was they have right to do so anytime they want. I asked her why they did not charge on my new credit card account so that at least I was notified. I even further asked her what about if someone has a tight balance in the checking account and suddenly they took away {$5000.00} from checking and what if he/she can't make the mortgage, car payment ... .Her answer was nothing she can 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 monetary relief
Consumer complaint received 2023-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

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  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 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 2022-05-04
Company: LEXISNEXIS
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:
LexisNexis Consumer Center in accordance with the fair credit reporting act Lexis Nexis Consumer Center has violated my right. 

I'm not sure what legal authority LexisNexis Consumer Center have disclose this, when i contacted the court, i was notified that they do not check, verify, furnish allow, or share any public information with you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Bull City Financial Solutions, Inc
State: IN
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Bull City Financial Solutions has been reporting inaccurate information to the credit reporting agencies and damaging my credit. I sent them notice to validate the debt, and I am still waiting on a response. The information is so damaging that I can not even rent an apartment because they have destroyed my credit. For the record, I have never done business with this company, and it is unfair to me and my family to have to deal with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This debt is fraudulent. It is due to identity theft. I have no information about this. I have contacted TransUnion informing them that these debts are a result of identity theft. All the information I have on this company was provided by the aforementioned credit reporting agency. They should not be allowed to put this fraudulent information on my credit report. Its not the original creditor. This is a collection agency thats not even in the same state as the original creditor. This is a collection agency thats not even in the same state as me. The original creditor isnt even in the same state as me. I do believe that the actions taken by TransUnion are racially motivated.

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 2023-04-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase has flagged, froze, and closed my accounts for " fraud '' two times in a row. The first time I tried to verify my identity in person at a branch like they told me and the teller sent my information to the wrong person and my account got closed. Now they flagged my new account again after I tried to up the tip on a doordash order. They're to go up to a branch again but im really considering not bothering with Chase if they're going to keep screwing me over like this. I dont make a lot of money as is and i cant afford to have my bank account frozen all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-26
Company: GUARANTEED RATE INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I am a disabled veteran with 100 % disability rating. Because of this, I was provided a letter stating I was granted property tax exemption from the state of MD. I forwarded that message and letter to Guaranteed Rate and asked for an escrow analysis. I was told it would take about 4 days. Since then a tax payment has been made to XXXX/XXXX  XXXX County tax assessor, which was subsequently returned, due to my tax exempt status. 

That was two weeks ago. Ive talked to numerous customer service agents and almost as many supervisors. These folks have stated its almost complete, check back in two days, and the supervisors computers arent working today. On Tuesday I spoke with a gentleman, that stated he could see everything in the system, recalculated our mortgage t and our escrow refund. He said he was going to send us an email to wrap it all up and get us a tracking number on the check through XXXX. That email never came. I called back again and talked with a lady that was not as helpful. She stated there was nothing in the system indicating we were tax exempt, that an analysis had not been completed, and that even when it was, the payment wouldnt change for two more months. My wife and I waited almost 2 days before calling back again, and were told we would receive a call back after it was " looked into '' by senior management, and again, nothing. 

I have asked numerous questions to which I would get a different answer each time. 

When I have asked to speak to a senior manager since I had gotten so many different stories from different supervisors many of the customer service agents would say they weren't at liberty to disclose that but could submit my info to have a member of management call me back. I said yes. Again, no call came.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: V and H Portfolio
State: SC
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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( VANCE & HUFFMAN LLC ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( VANCE & HUFFMAN LLC ) the financial institution and the Consumer reporting agency XXXX does not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, ( VANCE & HUFFMAN LLC ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( VANCE & HUFFMAN LLC ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: LDF Holdings, LLC
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I was a victim of online fraud. Person purporting to be someone else. Romantic Relationship developed and person started sending money to my account asking me to send it to different individuals, which I did. Then charges appeared on my bank account. 
Individual name is XXXX XXXX impersonating XXXX XXXX. Subject friended me on a XXXX site on XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23
Company: ARS National Services, 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: Account information incorrect

Complaint:
I sent a letter to XXXX XXXX XXXX requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything only a ledger. They have reported delinquent information to the credit bureaus that I am asking to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions 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:
I located a potentially fraudulent revolving account on my Experian credit report and I have no idea what it is. 

ACCOUNT DETAILS Account Name XXXX CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, SD XXXX BYMAILONLY Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Open Payment Status Current Status Updated XX/XX/XXXX Balance {$5300.00} Balance Updated XX/XX/XXXX Credit Limit {$6000.00} Monthly Payment {$100.00} Past Due Amount - Highest Balance {$5500.00} Terms Revolving

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 2023-11-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
I had a countrywide home loan. After several years of not paying wind insurance, they sold the loan to Bank of America. Bank of America added over {$14000.00} to my mortgage for bank-placed wind insurance when it was not required. I also got behind and used a program twice to get me back in good standing but they would always find excuses as to why they wouldn't accept payments. So they wouldn't accept them, and kept adding late fees. Eventually the loan was sold to XXXXXXXX XXXX. and when I sold my house ( did not foreclose ) for {$600000.00} I actually had to come up with money to close when my mortgage was originally {$300000.00}. They took advantage every way they could to rack up the bill. I was in the house for about 15 years.

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 2019-01-23
Company: CITIBANK, N.A.
State: TN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was issued an inaccurate XXXX. Citi sent the wrong numbers to the IRS. They claimed to have paid me {$800.00} in 2018 interest. In fact, they only paid me {$400.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: SECURITY FINANCE CORP
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To whom it may concern, Pursuant to 15 USC 1692h. Multiple debts.If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. As a Federal protected Consumer I am demanding all past payments made on this account referencing the account number below, be sent back to me in a check by mail to the address provided below, as it is a violation of my rights as a federal Protected Consumer under Title 15 Chapter 41 and pursuant to 15 USC 1692h. 

Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Account number : 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 2020-12-19
Company: Convergent Resources, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have repeatedly been hit by XXXX  with collections that I have not done and I dispute them just fine as they are not mine. But around the XX/XX/XXXX they put a collection for the third time from a XXXX bill on my credit report and when I try to dispute it they just leave it on there. I have never had a cable or internet bill in my life and my phone goes through XXXX which I make my payments on time monthly for. I dont want this damaging my credit any longer as I have not opened an account with XXXX and disputing it twice has not worked.

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 2018-02-28
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX I switched my cellphone service from XXXX to XXXX XXXX XXXX XXXX. XXXX XXXX XXXX offered an switcher program that allows XXXX XXXX XXXX to buy your phones from XXXX and pay your remaining cell phone balance. 
All of the necessary measures were taken from my end which required me to cancel service with XXXX, complete the switcher program online, and turn in all XXXX of my cellphones via mail. I have a photo of the box I sent through XXXX and the tracking information stating that the phones were delivered to XXXX XXXX XXXX. 
I never received credit for my cellphones and I have a remaining balance ownd to XXXX of {$2400.00}. This balance has now sent to collections and I never received any resolve from XXXX XXXX XXXX. I did receive confirmation that the cellphones were in the factory but they had to check the phones to make sure they were in good shape to receive full credit. All the phones were like brand new and I had only had them for about 3 months before switching over to XXXX XXXX XXXX. 

I spoke with XXXX local XXXX XXXX XXXX store managers and there was no resolve. I was referred to call XXXX XXXX about receiving credit for my phones and last payment. I spoke with multiple people which I have documentation of who and when I spoke with them again with no resolve. 

Lastly I spoke with corporate of XXXX XXXX XXXX which was the Executive Response Manager for my case and she explained that they had my cellphones and that they were behind in their work and they would get back to my case. After several email attempts she stopped replying to my emails after all the necessary information was presented to her. 

I now have this debt on my credit report and my cellphones were basically stolen by XXXX XXXX XXXX leaving me in financial grief and frustration. 

I am looking to receive {$2400.00} from XXXX XXXX XXXX to pay off the creditors and clean my credit report.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation