BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made my regular monthly payment, early and with additional principal- as always. The website applied it wholly as principal- none towards the monthly payment. Ive tried to contact them, the phone number doesnt work. You dial it and it hangs up on you. I emailed them, nothing. Meanwhile they reported it as a late payment and have effectively trashed my credit scorXXXX. If I had an extra {$2000.00} to make a double payment due to their error I would. I need this fixed asap and my credit report corrected. Lakeview loan servicing is terrible.

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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Creditor Information XXXX XXXX XXXX XXXX XXXX  FL XXXX  ( XXXX ) XXXX Account opened ( NOT BY ME ) and used twice with no payments made disputed with Transunion and they would not remove because the account was used twice Opened in XXXX 2018 I believe. This is an account I have not opened or authorized to open and I can not even file a second dispute because they have not closed the first one. I has cost me 80 points on my credit score. Can you help please

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 2016-09-28
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been in contact with Equifax regarding excessive inquiries on my credit report and I have added fraud alert to my credit file regarding the issue with the excessive inquiries on my credit file. still to this date nothing has been done about it and I am showing new inquiries on my credit file that I did not authorized. I do n't see how this is happening if I have fraud alert on my credit file. there is about XXXX Hard inquiries on my credit report with Equifax that should n't be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX dealership. They unauthorized contacted XXXX XXXX, Capital one auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
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 draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-12-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2023, I tried to make end of year donations with my Citibank ( rewards ) Master card. They did not go through. I called every XXXX customer service number for Citibank credit cards, and all of them directed me to recording that the office was closed. I finally reached a living person, overseas, who informed me that my card was put on hold and directed me to call one of the XXXX XXXX numbers I had already called. 

Beside being terrible customer service, I wonder if it a card company can make claims about 24/7 service and not provide it. Especially for service like using the credit card. What if I was stranded in airport overseas, or at a gas station in the middle of nowhere.

I want you to ensure that Citi does not repeat this unacceptable blunder again.

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 2023-05-03
Company: CCS Financial 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code 1681c-2 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 IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b-Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN INSTRUCTION to report anything on my consumer report which violates my rights as a federal pro consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of negative accounts listed IMMEDIATELY!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: NJ
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:
I'm sending this to let you know that the following companies have unapproved inquiries on my credit report. Below are the names of the companies and the dates on which I acquired the inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
One day I had a credit score with Equifax and the next day it was gone and they had no score or record of me. I had a XXXX credit score and went to apply for a car loan. They tried to access my credit score with Equifax and said it didn't exist. I spent hours on the phone with Equifax over the course of four days, sent them a copy of my social security card and drivers license to prove my identity and still got nowhere. There answer was to try to start over and establish credit by going to department stores and getting credit cards. I already have credit cards and a good credit history. The call centers for Equifax are in XXXX and they just bounce you around from one department to the next without any help. I can not get a car that is needed for work because I no longer have a credit history. I worked hard to establish a good credit history by paying bills on time with the hopes of using this credit to purchase a car and a home at some point. With the click of mouse somewhere at Equifax my credit history disappeared with any help or hope to get it back. One company should not have such power over the everyday lives of hardworking citizens.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Avid Acceptance, LLC
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: Account information incorrect

Complaint:
I reached out to Avid well during the COVID months when the governor and federal orders were in effect to inquire about options with a job loss. I was treated very rude and ignored, no options. I was later told about an email that was sent months later, that went to junk mail so I didn't have an option to respond. After several months of Avid reporting late to the bureau despite the Covid relief order, I reached out regularly nearly begging them to correct as it was ruining my credit! In fact, they reached out to me regularly for payments and I asked about the status of updating my credit report. Each time, I was told they don't have time to update, it was a big project etc. Finally I filed a better business bureau complaint. That got the attention of administration XXXX XXXX that reached out immediately indicating he would rectify the problem. Despite his efforts to rectify the problem and update my credit history, somehow, I got a notification from the credit bureau that the account was deleted even more so damaging my credit as I had a lengthy credit history with Avid. I reached out to XXXX to inform him of the same. I hand wrote each credit bureau to dispute and request them to contact XXXX directly to confirm and update my credit reports. I received an updated credit report saying updated, however, the late payments are still reflected on 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 2022-01-10
Company: The CMI Group, Inc.
State: OH
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:
There is a collection on my credit report from a company that I never heard of. The " Collections company '' is listed as Credit Mgmt - XXXX. The " original creditor '' is listed as XXXX XXXX XXXX. The amount is for {$780.00}. It says opens since XX/XX/XXXX and last account activity shows XX/XX/XXXX. This is not my account. This is totally unfamiliar to me. In the payment details sections it says " XXXX / XXXX ''. 

When I googled XXXX XXXX XXXX, a company called XXXX XXXX came up. When I called the XXXX XXXX company, the lady answered and knew of the XXXX XXXX XXXX company. She said that it was part of XXXX. She went to offer me her credit repair services and said for {$100.00}, she could get this item removed from my credit report. I declined because this is NOT my credit responsibility. 

I called XXXX ( whom I do have an account with that is is perfect standing and no past due balance ). The person at XXXX said that XXXX XXXX XXXX is NOT their collections company and that I do not have an outstanding bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-27
Company: Experian Information Solutions 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:
the credit reporting agency never removed it off my credit report i have a letter from the company

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 2023-10-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-05-03
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not owe phoenix any money. I do not have a contract with this company. Im requesting they stop reporting this negative item on my credit. Im requesting they ceast & desist and to only contact me by postal service. And since Im asking you to ceast and desist. You cant report any negative items on my credit. Delete this negative items ASAP. Or I will sue you In court. Fcra lets me to sue you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: SLM CORPORATION
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XXXX I placed a loan that was past due into hardship forebearance with sallie Mae. At that time I was told they needed a {$50.00} good faith payment and were only able to do one month but to call back after 48 hours and they would be able to extend it out to the 3 months total. I did that and everything was good. In XXXX, the same situation arose, I did the 50 good faith payment and was this time told to call back before XXXX to do an extension. On XXXX, o called back. Suddenly, that can not be done and they want another {$50.00} to do a forebearance this time for 3 months. I had to pay it to get the forebearance but have now paid them XXXX dollars for forbearances on this loan. Which according to their website is the maximum I should have to pay on this loan, yet I have 5 months of forevearance left should I need it and I was told it would be an additional 50 each time I request forebearance in the future. That would equal XXXX dollars not XXXX. Furthermore, there is information out there that states back in XXXX the company stopped asking for the 50 payments at the time forebearance was requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the credit reporting agency never removed it off my credit report i have a letter from the company

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 2023-10-11
Company: Experian Information Solutions Inc.
State: NY
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:
Kindly remove this to my credit report. This is causing me a lot of stress 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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX Inquired on XXXX XXXX, XXXX  XXXX  Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 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 2020-12-02
Company: Radius Global Solutions LLC
State: FL
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:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX Todays date:XX/XX/XXXX RADIUS GLOBAL Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2023-11-23
Company: LEXISNEXIS
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.

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 2023-10-11
Company: Experian Information Solutions Inc.
State: TN
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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