BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-18
Company: EQUIFAX, 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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had the worst experience with lakeview loan servicing. they took over our mortagage servicing in XX/XX/2019, I have always made my payment on time, however the XX/XX/XXXX payment although taken from my account and cleared XX/XX/2019 never made it to my account. I have had repeated phone conversations with them and for the first two months they claimed they did not have enough information. After doing research myself we found with assistance from my bank that the last four numbers of my account number had been transposed and it went to some other account. now I do not type in my account number when I pay my mortgage. and I do not ask anyone to draw the funds. So a third party was involved and we contacted them and they provided the proof of payment on the wrong account which I forwarded to lakeview. I thought that was problem solved. wrong to this dayXX/XX/2019 they payment has still not been credited and I have had bad reports to my credit and constant harassing automated phone calls from this company. my last contact was XX/XX/2019 and I insisted that I need to talk to a manager. His name is XXXX and he assured me that this problem was to be cleared up the very next day and that late charges would be refunded. logged in to pay my mortgage this month to the 30 day late notice again. they have been taking the current payment and crediting it to the previous month so I am always 30 days late even though they have already gotten the payment I XXXX. I do not know what else to do its like talking to the wind. I have had more than 20 phone calls and numerous emails for this problem to no avail.

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 2017-09-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am part of the breech of Equifax. I can not get anywhere with them. I went to their website and they said they will e mail me instructions, I receive nothing from them. I tried to call their phone number and surprise, some one did answer the phone, but he just blew me off saying I will receive an e mail the next day. Surprise, surprise, no e mail. I then contacted the Ohio attorney general 's office, and they gave me step by step instructions on how to contact Equifax, I followed the instructions and still have not heard from them. Can you help? As far as i 'm concerned, I wish they would just erase all my data and I 'd be done with Equifax. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
I received an alert on my XXXX  and XXXX credit monitoring service that a hard Inquiry was placed on my credit report by Capital One on XX/XX/2018. How is this possible because I placed fraud alerts on my credit report. Someone tried to obtain credit using my information. I have not applied for any credit with Capital One. I also, filed a police report a few weeks ago because of my missing wallet which contained my Driver 's License, Military ID, Social Security Card and Debit Cards. Please remove this hard Inquiry from Capital One.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE
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: Card was charged for something you did not purchase with the card

Complaint:
To whom it may concern at Bank of America ; I am writing you in regards to a claim you have applied to our credit rating. Your claim states that we are late on a Bank of America credit card payment. The problem is, as we and BOA have discussed in the past, that my wife and myself do not or have we ever owned or signed up for a credit card with you at Bank of America. Our credit cards as of this correspondence which have always been paid on time are : XXXX. Visa with XXXX XXXX XXXX. Visa with XXXX XXXX XXXX  XXXX XXXX. XXXX with XXXX XXXX XXXX. XXXX with XXXX XXXX Our mortgage and house taxes are always paid on time. As you can see my wife and I always pay our bills on time for what we owned and what we initiated with our signature. 
I am as of this correspondence DISPUTING Bank of Americas claim that we owe money to BOA and contacting the Consumer Financial Protection Bureau. 
Thank You,

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 2018-12-05
Company: Capital Accounts, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Company calls my cell phone repeatedly from " spoofed '' numbers from area codes XXXX, XXXX, XXXX, and XXXX ( all Alabama area codes where I live ) and every time I tell them NOT to call me again until I receive something in writing from them showing where all efforts to bill BOTH my insurances in the proper order have been exhausted. They have NOT sent me anything and refuse to quit calling, but tell me every time that they are " making a note on my file to not contact me again. '' The last straw was when they called while I was in intensive care in the hospital and they refused to let me hang up without threatening to take away my XXXX check.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have filed disputes with the credit bureaus in regards to several accounts listed on my credit report. On XX/XX/2022 I sent in off a investigation letter to check the accuracy of the accounts on my report and to make sure my accounts were properly investigated and 100 % accurate. The credit bureas reported that the following accounts were accurate Aidvantage account XXXX {$1700.00} {$340.00} {$4900.00} {$3000.00} {$5100.00} {$5200.00} {$2500.00} {$2600.00} {$1200.00} XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$550.00} XXXX XXXXXXXX account XXXX {$1200.00} XXXX XXXX account XXXX The credit bureau violated ; XXXX XXXX XXXX section A, B, and C ; XXXX XXXX XXXX a section i ; XXXX XXXX XXXX section b. The law clearly states that a consumer reporting agency can not furnish a account without my written instructions. I havent given any written permission to furnish these accounts on my credit report. I am asking for a removal of all accounts listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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: Old information reappears or never goes away

Complaint:
In the months of XX/XX/2021 and XX/XX/2021, I never received a bill from Nissan about my loan payment and therefore I was unable to pay the lease payment. As soon as I called them, I found out that I have an amount due and I paid it off right away. However, my credit score is still low and I am trying to get an apartment and I cant. I never had a late payment in the past and it is not my fault that this happened. Nissan forgot to update this information. Please remove this from my credit history. Nissan needs to update the payment in all major credit bureaus.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Credit Central Holdings, LLC
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company name is Credit Central in XXXX, SC. They sent a live check which I did cash. I made payment arrangements. However, I did not supply my employment information because it was not requested. They called my job asking for me and when I asked them to not call me at work became rude. Calling my job could jeopardize my employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: Amsher Collection Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was unaware that someone open a XXXX account in my named until I received a notice of me owing {$1100.00}. I called XXXX to report identity theft and explained the situation. XXXX from XXXX told me he would handle it and that someone will be calling me. No one ever called me or contacted me regarding this matter. 
Today I received a collection notice form AMSHER Collections Services for the Amount of XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Village Capital & Investment LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I over paid my escrow by {$500.00}. Village capitol and investments did not return or credit the over payment. I contacted the company several time by phone. Each time I was told that there was a computer problem and that someone would contact me to resolve the problem. I have received letters that are back dated to try and justify the problem. As Of now my {$500.00} escrow overpayment is unaccounted for. I received a letter 3 weeks ago dated XX/XX/XXXX states monthly payment of {$890.00} XXXX XXXX. And My online account states payment {$910.00} due XX/XX/XXXX, XXXX. Every month I am being overcharged and my escrow has no accounting for the missing {$500.00}. Please help bring this corrupt company into compliance. What they are doing is theft! 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Experian Information Solutions Inc.
State: CA
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:
THESE ACCOUNTS WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2019-01-14
Company: TIDEWATER FINANCE COMPANY, INC.
State: TN
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:
Identity Theft XX/XX/XXXX someone opened an auto loan in my name under XXXX   XXXX and now its in collection. closed XX/XX/XXXX XXXX XXXX hi balance of XXXX   closed XX/XX/XXXX is not mine XXXX XXXX opened XX/XX/XXXX someone used my ssn for this account. not mine. this account closed on XX/XX/XXXX XXXX XXXX XXXX this account went to collection. opened XX/XX/XXXX. not mine XXXX opened XX/XX/XXXX. not my account closed XX/XX/XXXX XXXX XXXX XXXX   opened XX/XX/XXXX balance XXXX  is not my account XXXX XXXX XXXX   showing as a charge off. this is not my account BankruptcyXX/XX/XXXX error. not mine XXXX XXXX XXXX closed account. this account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AZ
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:
I have tried numerous attempts trying to resolve this with an Equifax manager and two different representatives. What they ended up doing is removing my maiden name used for my credit file when I specifically asked them not to. I never gave consent for this and when I tried calling the manager he said that it can't be undone. Imagine that! A mistake they made It can't be undone.I had originally asked them to remove a name on my credit file that was never me XXXX XXXX they did that and removed everything beyond my current legal name.also XXXX  XXXX or my mortgage lender can not pull up my credit score from Equifax because they are getting an error code XXXX. When I brought this up to their attention they said there's no blocks and nothing preventing anyone from pulling my credit from Equifax.why is it then that neither XXXX  XXXX or my mortgage lender can not pull credit? This company is nothing but incompetent and a disappointment.I find it hard to believe that the government even allows this company to continue existing especially after all the breaches they've had.Never have I experienced such an incompetent group of people who have no solutions or no resolutions to even begin to look into what I'm requesting them to fix. I spoke to them last Friday XX/XX/XXXX and a couple of times before in the same week.I want my previous maiden name restored back on my records and I also want the ability to have creditors or mortgage lenders pool my credit score for confirmation as I'm trying to obtain the mortgage loan. Their lack of resolution and customer service is unacceptable. To top it off I can't even create an account because it says that I don't exist. Whatever it is they did to mess up my credit file they need to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: Reach Financial LLC
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have someone else info mixed with mine that has similr Name Social security number and birthday. they are taking almost a year to fix it! I did make an FTC report and police report and ID theft. and still no resulution from Experian and XXXX  even 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 2021-06-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft as a result of being homeless and did not have a physical address in 2013. Numerous accounts were open without my permission. The creditors call and harass me daily for debt. I explained that those debts were not mine. They sent me incomplete billing info with inaccuracies. I was also told by the credit bureaus that my personal data was breached from the credit bureaus and I am still fighting that. I hired a credit repair company to help me with these disputes, as I am new to this. They are not cooperating and stated that they are willing to take a settlement. I don't know what else to do so I am finally coming to you guys for some guidance please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received an email notification from Citizens bank that my account had too many failed login attempts and had been locked out. Considering that I do not bank at citizens, I was very concerned and called the customer service phone number in the email. 

The first time I called, the customer service associate I spoke with told me I did not have an account with Citizens. 

I hung up and called again, choosing the Online account services prompt. This customer service associate confirmed that I did have an account with my personal email, and told me he would have the email removed from the account. 

Unsatisfied by the fact that I have now gotten 2 different stories, I called customer support again, and after giving my information to the customer service associate, she was asking questions about what type of account I had, and when I told her I was not sure, I just wanted to check the balance on all accounts, she said " why should I give you your balance if you don't even know what type of account you have with us? '' I then drove 2 hours to the nearest open branch location. I called the bank branch at XXXX XXXX when I left my house to ask the bank to place a hold on all accounts. They said Ok. 

When I arrived at the bank, I was placed in an office with a man named XXXX XXXX. I explained my concern and told him I would like all accounts in my name or using my social security number to be closed immediately. 

He was unable to find an account at first, and had to call customer support. With their help he found 2 old accounts from 11 years ago that were Charter One bank, which Citizen 's bank bought out in the past. 

I agreed that those were my old accounts, but I stated concern that my personal email was sent a message about a login attempt to an account which has been closed for 11 years. It did not make sense to me, or XXXX. 

XXXX called Online services, and got the same type of run-around that I did earlier today. 

XXXX also called another number, to a third party Credit card vendor that I also had an account open with the bank, which I do not remember at all. The last for account numbers of the account are XXXX. 

At this point, the Branch manager came in and asked if she could help. After explaining the situation to her, she told me that " maybe a computer glitch from another customer triggered the login failed email '', but this story does not make sense to me. 

I am rather fed up with Citizens Bank giving me the runaround, and if my exhusband has been using my identity again, and they are allowing him, I will proceed with the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: Motolease, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief