BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
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:
This is to inform the CFPB of the bad practices XXXX Equifax XXXX XXXX XXXX XXXX those companies has violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28
Company: LoanCare, LLC
State: KS
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan company ( Loan care ) claims that I have shortages in my escrow account that is causing my house payments to go from XXXX a month to XXXX a month. whenever I call and ask them they either transfer me to a different department or they say it is because I have had flood insurance. Loan care is my XXXX mortgage company that I have had and I have owned flood insurance from the time I got the initial loan. my taxes and insurance have stayed the same give XXXX dollars. I am unable to re-finance due to having a late payment and I asked if I could make partial payments but they told me I could not. Before this all happened they sent me notices that they did not have proof of insurance and if I did not send it in they would buy there own policy for me every 1.5-2 months and every time I would send it in. They would also try and send me a refinance offer once a month as well. I would like out of this company but due to my situation I cant go anywhere. I feel something is not right and have read exactly the same cases with other people.

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 2022-08-27
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:
This is to inform the CFPB of the bad practices XXXX XXXX XXXX LexisNexis XXXX XXXX those companies have violated my rights by sharing my personal information without a permissible purpose in allowing third party companies pool my consumer credit report I have posted a freeze in 2021 on all credit bureaus until present day those companies steel passing around my personal private information illegally conducting and verifying information without no permissible purpose. they have conducted investigations in those informations come back verifiable I have asked those companies to provide me with this certification application documentation signature showing my permissible purpose I am requesting that verification I'm the following companies. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX  ( negative {$700.00} ) The company XXXX XXXX XXXX has posted late payments on my consumer credit report 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. This applies to all the companies mentioned above provide me with that verification application signature that I gave permission. You should have those documentations unfiled. If for any reason you can not provide me with those documentation have those items delete it from my consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions Inc.
State: MI
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 name is XXXX XXXX XXXX and this this complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Under FCRA, 30 days without responding to the requests I have sent should be considered as an immediate deletion. So please, I am sending this complaint to seek help and assistance to help me delete the concerned items for they were found erroneous and unauthorized. 

XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$900.00} XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$590.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$980.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

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 non-monetary relief
Consumer complaint received 2018-04-03
Company: Home Loan Center, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I entered my vehicle info and last 4 of my social into XXXX and they somehow obtained and then shared my entire social security, my contact and all my personal information with more than 5 third party companies. All of these 3rd parties then conducted a hard pull of my credit without my expressed and written permission. I've spoken to XXXX XXXX in advance and requested that these hard pulls be immediately removed from my credit and they have refused. After speaking with management, they claim that by providing the last 4 of my social I gave them permission to pull my credit but I did not. 

Somehow they were able to go through another 3rd party and obtain my personal information, somehow including my entire social security number and share it with multiple other companies who have been relentlessly calling and emailing me all with in an hour and hard pulling my credit. I did not sign any paperwork giving anyone permission to pull my credit from XXXX XXXX or any of their partners.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: DISCOVER BANK
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See this card has the wrong address on it please dont send them a card in my name my wallet was lost so my ss an id is out there

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was called by Jefferson Capital Systems , LLC, XXXX, for a debt for a XXXX account that I do not have. I have had a active XXXX account for the past 12 years and do not own anything on my account, and I am in good standing with XXXX. 

I informed them that the debt was not mine and that I was in good standing with XXXX, they tried to tell me I was in error, and tried to direct me to a 3rd party website to show me that I somehow owed XXXX. I offered to pull up my XXXX account but they insisted that I use their website. They then told me that this debt was from 3 years ago, but after I informed them that no changes were made to the account in that time frame, they changed their story and told me that this was a debt bought from another debt collector 3 years ago. They were not able to tell me when this debt was from, the account number, or what the original amount owed was. The rep would not give me any name except for 'XXXX ' and was very rude. He asked for a lot of my personal information that he should have had if this was my debt, but i did not tell him my social, or XXXX account number even though he asked for it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-15
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I now have filed 3 dispute letters with each credit companys i have been a victim of identity theft and these accounts was taken out in my name without my consent causing my family and business to suffer greatly. I am writing this due to non-compliance with ( Equifax, XXXX, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I called Bank of America to ask for help. I wanted to get a lower interest rate on my Bank of America Rewards card because I 'm in financial distress, my credit score is good and I 've never missed a payment. After I explained my situation to their representatives and to XXXX supervisor, they said they ca n't help me. There 's nothing they could do to help me. I find it so unbelievable because I 've heard there 's always help out there, but for me there 's none! I explained to them that I was " thinking '' on closing the account. To my surprised I checked my XXXX credit report today and is showing Bank of America Credit Card Account CLOSED BY CONSUMER. This makes me so sad because instead of helping me they closed the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: AMERISAVE MORTGAGE CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a loan with Amerisave Mtg. on XX/XX/20 with a XXXX XXXX. I was told initial upfront fee to be paid {$500.00} and that it would be deducted from my closing costs. 
I paid the fee and applied for loan and submitted all my loan documentation to XXXX and was told should hear quickly as my income and property were good to go. After some time ( 5 weeks ) contacted XXXX who told me to contact a Processor by the name of XXXX XXXX XXXX XXXX told needed some additional information that I had already sent to her and XXXX. I sent again and was then told need additional documentation which was sent over to them same day.I am in the mortgage business so I know how crucial it is to get all paperwork in so can be reviewed and approved. FINALLY I was told to expect a Notary at my house on XX/XX/20 to sign our loan documents at XXXX. No one showed up or called us. I tried to get a hold of someone today by phone and email. NO response! .We feel we are being scammed due to being senior citizens and do not want to do our loan. They took out {$500.00} up front which I think is against current California laws. All we want to do is sign our loan documents and close our loan. PLEASE HELP. 
Thank you.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Radius Global Solutions LLC
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:
There is someone else using my information! There is a XXXX XXXX with her husband name and credit coming on my report! What is going on! She is using my credit! There is fraud! 
Help plz 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 explanation
Consumer complaint received 2015-11-10
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Someone opened a unauthorized car policy in my name when my wallet was stolen I also noticed that they have been using my bank account as the funding source I did n't notice at first until my account balance was extremely low I then carefully reviewed all myTransactions an found XXXX transaction for the general car insurance company. I called citizensBank immediately an reported the transactions as fraud then I was advised to contact the general insurance company an report the account as fraud soI did and both companies are doing a investigation. I want my money back because this was unauthorized an this is ridiculous I 'm so XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, 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 XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 Section 611 5 Section ( A ) ( I ) : states that any information disputed by a consumer that can not be verified or found inaccurate shall promptly be removed. This account shows as open when it is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and the credit reporting agencies havent notated is as disputed. They cause me to loose out on offers due to reporting negative inaccurate items and not notating it was disputed.

I sent them multiple of letters concerning my credit reports.

As a consumer it is my right for them to follow FCRA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had an original student loan amount for about {$34000.00} as of XX/XX/XXXX. My payments have ranged from {$360.00} to ~ {$330.00} a month for the past 16 years. I 've asked my loan servicing company for the formula they use to calculate repayment amount and period and they defray the question. My loan has been serviced by XXXX, XXXX, and now, NAVIENT. According to my calculations, using the lowest payment of {$330.00} x 192 months = the result is {$64000.00}. Therefore, according my calculations even with deferements and a forebearance, the original debt of {$34000.00} should be paid up by now with a profit to the loan servicing company of {$30000.00}. Please help! 

Additionally, I have another student loan with an original principal of {$16000.00} which I have been paying off since XX/XX/XXXX at the rate of {$180.00} per month. Hence, {$180.00} x 96 months = the result is {$18000.00}. So once again, according to my calculations that debt should be paid up as well. 
I believe, that the loan servicing practices are fraudulent ; I believe they have reset the loan repayment periods every time the loans transferred from one servicing company to the next. They have also imposed deferements ( which adds interest to the principal ) without my consent even after I 've told them not to and to continue drafting payment from my checking account while in school. 
Please help!!!!! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I never applied for a capitol one credit card. The company began contacting and harrasing me about payment for something that I made clear that I never applied, accepted or received. I complained about fraudulent things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND A NEGATIVE ACCOUNT THAT IS REPORTING ON MY CREDIT. THIS NEGATIVE ACCOUNT DOES NOT BELONG TO ME. I HAVE NO IDEA AS TO HOW THIS ACCOUNT GOT ON MY CREDIT. IT IS CAUSING A GREAT DEED OF STRESS ON MY CREDIT. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I sent letters on XX/XX/2020 and also XX/XX/2020 and also have tried to reach out to the company my calling.

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 2022-08-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Atlanticus Services Corporation
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 status incorrect

Complaint:
I recently sent a request to all three Bureaus - XXXX, XXXX and XXXX reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit. 
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general. 

1. The status is incorrect for the following account XXXX/FORTIVA Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed. 

2. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my checking account.

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