BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
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:
These inquiries on my credit report are unauthorized and I don't appreciate inaccurate information 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 2022-05-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with fair credit Act 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 A section 2 it also states a consumer reporting agency can not furnish account without any written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I called Lakeview Loan Care asking to remove insurance from my escrow account and provided via fax Evidence of Insurance paid by me. I received verbal confirmation that this is taken care of. Appears it was not. I received via mail Annual Escrow Account Statement dated XX/XX/XXXX. I called Lakeview to clarify the Escrow ( taxes & Insurance ) monthly monthly amount that in the statement listed {$270.00}. Appears that includes insurance that I a been paying for 2 years myself and Lakeview receives the EOI from insurance company. 
XXXX tax amount was {$1700.00} XXXX should be charged $ XXXX instead of {$270.00} XXXX. Principal and interest is fixed {$1100.00} Seems that overcharge is $ XXXX for no one was able to explain why and/or for what. 
Current monthly payment was XXXX. Eff XXXX Escrow on the Disclosure Statement {$300.00}, new monthly payment : {$1400.00}. XXXX taxes {$2400.00} XXXX $ XXXX XXXX, which seems overcharge is going to be {$100.00} The customer service is horrible after half an hour on hold I was told that the " request will be expedited ''. The person was so unqualified to answer any questions so after continuous request was transferred to another person to another 30+ min on hold. I was told they the Lakeview loan servicing haven't received request to remove Insurance and taxes in XXXX of XXXX. I can not make anyone to take notes or process the requests. If the CSR confirms that it is done- I continue to make payments for insurance and appears continue to be charged for it for almost 2 year. The CSR promised that the request has been submitted and there is no one to talk to in the Escrow Department. I requested to receive confirmation via e-mail that the request was submitted again- have not received anything of course. 

To my opinion Lakeview LoanCare is overcharging not only me : it could just one case, however I tend to think that it's a pattern. Customers, that choisen or were forced to have Escrow accounts know that property taxes and insurance every year increase and not having time or ability to figure out. However that id the financial institution can not add 3 columns I see it as a huge problem. The overcharge thousands a year without getting caught. When get caught " will expedite '' not been able to provide any figures how much overcharged and for what : property taxes or insurance, or both. 
Someone should look and audit Lakeview LoanCare activity. 

Regards, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
When attempting to obtain a free copy of my credit report or temporarily lifting a security freeze, I am never permitted to complete these transactions online. The copy of the credit report was denied online on XX/XX/XXXX. The security freeze denial attempt was XX/XX/XXXX. Both instances I was required to mail in their completed form with copies of my identity proof ( copy of social security card and NC drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: U.S. BANCORP
State: MS
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 contacted the company onXX/XX/2018 regarding my funds did not come off of my card at the atm. Machine When I got home and pulled up my account it showed that the XXXX came off but nothing was given at the atm. So I filed a disputed each time I called the company they provided different information. First they said they tried to put the XXXX back on their than they told me to wait three business after the 10 days was over after that they stated to wait 45 days. XXXX, or utilize the web site, www.usbankfocus.com, for inquiries.

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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX  of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over XXXX before it was repossessed in XX/XX/XXXX and hit my credit just XXXX  months shy of the turn in date in XXXX. I requested all original documents from XXXX XXXX and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.

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 2023-06-24
Company: Experian Information Solutions Inc.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The inquiry was not authorized XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.

4. The inquiry was not authorized XXXX XXXX  XXXX XXXX XXXX of inquiry : XX/XX/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 2018-10-15
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Hello, When I was in college I took out both Federal and Student loans as students often do. Both loans were originally supposed to be for 10 years. As I drew closer to the 10 year mark ( after deferring for 2 years, graduated in 2004 ), I noticed that the Federal Loan wasn't on pace to end with the private loan. I requested proof in writing that I had agreed to extend or consolidate my loan and was provide with a document with numbers as my signature. I never once was approached about extending my loan nor would I have. Of my two loans, the Federal was the cheaper of the two. They extended the loan another 5 years. It's another 5 years of paying more interest which I didn't want to however was not in the financial position to pay outright. This is 100 % unfair and I really didn't know who to turn to and complain. I saw that some teachers union out in California is suing and it brought everything back up again mentally. Have you had any other complaints about the same? 
I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America allowed some thief to transfer all my funds out of my account with a 3rd party checking account that doesn't have my name on it. I filed a police report and would like you guys to work hand and hand with law enforcement to get my funds back 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 2023-06-24
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: Account information incorrect

Complaint:
I just received my reinvestigation back from Experian Information Solutions Inc . They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681 ( 7 ). Because the list of accounts below are not accurate. The high balance, last verified, date reported, date of last activity, date opened, closed date, and date of last payment is NOT 100 % accurate. XXXXXXXX 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 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 They did not modify 100 % or delete the inaccurate information on my consumer report according to 15 USC 1681 ( 5 ) ( A ) ( i ). I attached a consumer report as evidence.

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 2019-07-21
Company: Experian Information Solutions Inc.
State: UT
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: Problem getting your free annual credit report

Complaint:
On XX/XX/21, I visited XXXX to obtain my free credit reports from the 3 credit bureaus. I had no trouble with XXXX or XXXX, but when it came to Experian, all of the identity questions were answered correctly but there was an issue on the website to where it was not available. I had tried redoing the identity questions multiple times but each time I received an error message " there seems to be a technical issue. '' This is extremely frustrating as I do not have time to receive it through the mail in 15 days, but that seemed to be the only option after spending over 15 minutes on the phone with an automated system, not even a live person. 
There needs to be some alternate option to receive it online in order to make this more consumer friendly, because the current system in place is an absolute joke.

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 2023-06-24
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:
This is my second 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 alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} - XXXX XXXX XXXX XXXX Balance {$0.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: World Omni Financial Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising

Complaint:
I traded my car in on XX/XX/2019 with zero intentions of doing so. The first thing I told the sales person was that I was looking to get all information possible before I made a decision on buying. I never mentioned leasing because I was not familiar with it. I was told they would give me top money of XXXX XXXX  XXXX  for my car, and they ended up giving me a little over half. In the process I felt manipulated by the idea of leasing, and because I was compressed on time, they went over everything quickly making it sound like it was a great deal, made me lie about my monthly income so I could qualify, also mentioned the car was fully covered under a lease agreement and extra warrantys would not be needed which was not true. I make less than 20,000 a year and now Im stuck with a {$480.00} car payment because they pressured me into making a decision they knew I couldnt afford. Not to mention, they gave me way below the value cost on my old car. They also lied about making my first month payment, when in reality they took it out of my car trade in money with a {$960.00} left over after I reviewed the lease agreement. I have tried to get the deal refinanced but they keep telling me its not possible. I would hate to keep dragging this longer and take further actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04
Company: TRANSWORLD SYSTEMS INC
State: TX
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 been contacted nearly every day for the past 2 months by a debt collection agency called TransWorld System. The calls are coming from a XXXX area code in XXXX XXXX XXXX but it is a different number each time so I can not block their calls. I have several copies of the recorded messages left. Each time I am asked to call XXXX to speak with " XXXX XXXX XXXX '' and when I call I get a collector. I was informed that they show this number belongs to XXXX XXXX and I do not know anyone by that name. 

I am promised everytime that my number is added to their do not call, but it never happens and the calls continue. I have been as polite as possible but now my frustration level is very high as I can not make it stop. 

Please do something about this lack of concern for my privacy which is now bordering on harrassment for a debt that is not mine. It appears someone made a keystroke error and my number was listed as the contact. I attached a transcript of the last call I did not answer on XXXX. I was contacted last at XXXX on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: NJ
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:
Problem am having is Experian is not following law and Under the Fair Credit Reporting Act, this This XXXX  XXXX XXXX account on file with Account Number : XXXX has passed the 7 year mark on my credit report and must be deleted off 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 2022-09-06
Company: Experian Information Solutions Inc.
State: GA
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:
I am writing to request the name of " the company '' that Experian certified the alleged bankruptcy with. I requested the method of verification and did not receive one. Experian treated my request as disputing the accuracy. 
The consumer reporting agency ignored my request and violated the consumer law below. 

As a federally protected consume Experian violated in pursuant 15 USC 1681i ( 6 ) ( b ) ( iii ) Notice of results of reinvestigation ( b ) Contents a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; Experian just keep providing a statement " The Company '' The letter was notarized to confirm the identity Documents attached Letter requesting the name of the company Snapshot when the dispute was opened XX/XX/XXXX Results of the dispute XX/XX/XXXX without providing the description.

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 2017-02-13
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for Bankruptcy XXXX XXXX, in CA. My Loan was with Caliber Home Loans. They sold my home for {$4800.00} over what was owed against the loan. I never got a check, but received a XXXX showing that they wrote off {$5500.00} in interest. Called the IRS who told me I would have to go after the lender for fraud, but I would have to file as per the XXXX Called them twice at an hour the first time. They could not give me an answers or accounting of the figures. Called them again they left me on hold. Gave up after nearly 40 min. This company had over XXXX complaints here and Ill be securing another attourney and going after them for all expenses as well as fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On or about XXXX of 2017 we XXXX vacation trip with XXXX XXXX. XXXX XXXX is an online travel agency. They lured us under false pretenses and purchasing a vacation package only after did they charge us did they explain to us their refund policy which was no refund at all under any circumstances at any time. Also went to their website which does not have their vacation refund policy posted anywhere. Contacted my credit card company American Express, American Express is ruling in favor of them despite the fact that XXXX XXXX offered to partially credit my account. American Express has advised me to dispute this process and this charge which I have done now 13 times and they keep coming back telling me that I owe the money. I asked them if they felt that it was morally and ethically correct to be charged for something in the capacity that I was and they will not provide a clear end definitive answer. Been a customer with them for 15 years with impeccable payment history

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had XXXX amount of ethereum taken away from my account on XX/XX/2017, The day when XXXX was introduced to coinbase. Initially I thouth it could be bcasue of the Coinbase glitch which they might return once resolved. The transaction list shows its sent to Coinbase. I am not informed the reason and not returning back my currency ( XXXX eth ) with a support ticket open for more than a month now. 


Coinbase Support Ticket /Case number : XXXX Account : XXXX Ph : XXXX XXXX

Company response to consumer: Closed with explanation