BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-02
Company: Fidelity National Financial, Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a respond from " XXXX XXXX '' who informed me that XXXX started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from XXXX and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on XXXX XXXX letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that XXXX  started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXXXXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to XXXX on XX/XX/XXXX, as XXXX XXXX loan XXXX. 

I demand to verify which " loan '' was " serviced '' by XXXX  - XXXX or XXXX ; who appointed XXXX as a Servicer, with the name of the company and names and contact information for the individual employees who hired XXXX as their Servicer and issued directions to XXXX 's individual employees. 

I demand to verify when exactly XXXX started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by XXXX. 

Name of the Company who GRANTED and who released servicing rights were released from XXXX and transferred to XXXX and the name of an individual employee who released XXXX 's " servicing rights ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX deliberately padded my credit card with late fees to report to the credit bureaus an over the credit limit balance. XXXX subsequently bludgeon my credit score by downgrading it XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My wife transferred {$9600.00} from my BofA checking account to a domestic XXXX XXXX account on XX/XX/XXXX  due to a scam. I was not at home when everything happened, after I heard the details I immediately called BofA and reported this case to local police on XX/XX/. The account information of the recipient led the police to a real person, who stated that she didn't receive the money and her account was frozen from XXXX, XXXX. The police officer asked us to make sure whether the bank can recover the money or where the money went. So in the following days, I kept calling BofA. First they said it takes 2 weeks, after 2 weeks they said it can take up to 90 days. But after 3 months, they stared to say that this case is rely on another bank so they don't know when I can get the result, and always, they don't have any updates about my case. A few times they promised to request detailed information from the investigator for me, but as a result I never received any information from them. Finally, after one year waiting, I received one email that informed me the bank failed to recover the money and our case was closed, without any explanation. I called the bank for details, again they just promised to send information to me but I received nothing. 

We think the bank should be responsible for the failure to recover the fund, and compensate for the slow response. Because even if the recipient 's bank account was frozen, it will only last half a year normally. Respond after one year doesn't make any sense. It gave the scammer enough time to disappear. What's more, the one year waiting deprived us of the best chance to cooperate more with the police and lawyers. Now it's almost impossible to take any efficient legal actions.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Capital One is the bank not taking responsibility for releasing {$19000.00} from our savings account to a bank account not in our profile for transfers. Two withdrawals of {$9500.00} were made the same day XX/XX/XXXX and they didnt stop this withdrawal and contact us. They paid the funds XX/XX/XXXX. They claim it was made by the joint holder of the account. The joint holder has never made withdrawals from this account and they failed to see the fraudulent withdrawals and released the funds. Our nest egg funds. I have spoken to five bank reps after I saw a note on our online account. They insist its a fraud case in process and we have to wait for the other bank to return the funds. I feel Capital One should return my funds and they can wait for the return. They are at total fault. They failed to protect our account in every sense of the banking system and are holding us XXXX with their delays. Weve had this account since ING and all transfers have been to the same bank. And they never took precautions to check this fraudulent act. Their rep responses on the phone are evasive and their is no other way to find a contact with more authority. The CEO has an email on the Capital One XXXX website and you can not forward mail yo XXXX. I would appreciate your help in recovering our XXXX XXXX funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-01
Company: EQUIFAX, INC.
State: SC
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 account # XXXX, XXXX XXXX account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXX  account # XXXX, XXXX XXXXXXXXXXXX XXXX  account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX  account # XXXX, XXXX  XXXX account # XXXX, XXXXXXXX XXXX, XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 account # XXXX, XXXX XXXX  account # XXXX, US DEPT ED account # XXXX, XXXX account # XXXX XXXX XXXX XXXXXXXX account # XXXX, XXXX  XXXXXXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, XXXX account # XXXX, XXXX account # XXXXXXXX XXXX  XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX  account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy. 

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-02
Company: Caliber Home Loans, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a respond from " Caliber Team '' who informed me that Caliber started " servicing '' of my alleged " loan '' on XX/XX/XXXX and that on XX/XX/XXXX the " servicing rights were released from Caliber and transferred to XXXX. 

This information contradicts with all prior letters mailed to me by XXXX companies on Caliber 's letterheads where these XXXX companies ( servicers under CFPB Rules ) insisted that Caliber started servicing my " loan '' XXXX on XX/XX/XXXX, XXXX, This information contradicts with undated letter singed by " XXXX XXXX  XXXX XXXX who claimed that " servicing '' of alleged loan was transferred to Caliber on XX/XX/XXXX, as Caliber 's loan XXXX. 

I demand to verify which " loan '' was " serviced '' by Caliber - XXXX or XXXX ; who appointed Caliber as a Servicer, with the name of the company and names and contact information for the individual employees who hired Caliber as their Servicer and issued directions to Caliber 's individual employees. 

I demand to verify when exactly Caliber started " servicing '' of my alleged " loan '' - XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX? 

Name of the Company who received money allegedly collected from me by Caliber. 

Name of the Company who GRANTED and who released servicing rights were released from Caliber and transferred to XXXX and the name of an individual employee who released Caliber 's " servicing rights ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: U.S. BANCORP
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was informed by US Bank that all of the late payments on my loan with US Bank would be removed from all XXXX major Credit bureaus, XXXX, XXXX, XXXX. I have yet to see the Credit information be updated on all XXXX reports. I was told this information would be updated within 60 days of the information being reported to each major credit bureau. I am requesting that US Bank honor what the company Customer care team informed me of so that this negative information can be removed off my credit report. 

Thank yoiu, 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
Consumer complaint received 2022-12-02
Company: Experian Information Solutions Inc.
State: IL
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:
Experian has been reporting derogatory information for 7 years and have not removed the information from my credit report. XXXX first reported this account derogatory XX/XX/XXXX and the company reported the account derogatory again in XX/XX/XXXX when the account was in fact current. Experian is reporting derogatory information for an account XXXX XXXX XXXX and the account status was updated to derogatory when the account is Current. I have in good faith tried to correct this information with Experian and they continue to ignore and dismiss my dispute. I will continue to dispute this information until we end up in court. I will take all of my previous disputes where experian has done nothing as proof in court that I have tried to rectify this situation.

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 2023-08-25
Company: Experian Information Solutions Inc.
State: NC
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 ( 15 U.S. Code 1681 ), it is vital to emphasize the findings of Congress, which highlight the significance of accurate credit reporting for the efficiency of the banking system. Marketed as consumer reporting agencies ( CRAs ), these entities play a crucial role in assembling and evaluating consumer credit information. However, the Big 3 CRAs rely on data from smaller CRAs, such as XXXX, to compile consumer reports. This practice prompts us to be proactive in safeguarding our privacy rights, which is the foundation of this process. 

Identity theft is a paramount concern, and its implications extend beyond the immediate transaction. Consent is essential, and its absence constitutes a breach of privacy. The reporting of unauthorized accounts, without my express written consent, reflects identity theft. CRAs are liable under the law for their negligent and willful noncompliance, as stipulated in 15 U.S. Code 1681n, entailing possible penalties of {$1000.00} per violation. 

Moreover, the practice of buying and selling personal information without consent poses a significant privacy issue. The compilation of a comprehensive report without permission constitutes identity theft. The protection of privacy is a right, not a privilege, and I demand that the agency promptly remove and block the identified information. 

I have meticulously followed the requirements outlined in 15 U.S. Code 1681c-2, as provided by the Consumer Financial Protection Bureau . Clear and conspicuous information was not provided to me regarding the reporting of these accounts, as mandated by the Gramm-Leach-Bliley Act.

By exercising my rights under 15 U.S. Code 1681c-2 and 15 U.S. Code 1681b ( 2 ), I am seeking a resolution to the violations of the Fair Credit Reporting Act. You are now in liability as I have insisted on the immediate removal of the identified items in the past, in line with their legal obligations within four days.

Furthermore, under 15 U.S. Code 1681d, the requirement for proper notification during the creation and furnishing of investigative consumer reports has been overlooked, contravening the law. 

Given the comprehensive evidence I have provided, I am pursuing a resolution to address the FCRA violations and the infringement of my privacy rights.

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 2023-10-05
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
State: MD
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:
I took out XXXX student loans for my undergraduate degree program at XXXX XXXX XXXX XXXX in XXXX XXXX, Texas between XXXX and XXXX. I put these loans in forbearance while I complete two years of service with XXXX and three years of XXXX XXXX When I graduated XXXX XXXX, I was under the impression that the student loans had not become due yet and was not aware I had to make loan payments beginning in XXXX of XXXX. This was the same month I graduated law school. My parents were not living at the address the loan servicer ( Texas Higher Education Coordinating Board ) had on file and the did not have my address. I received no notice through my personal email, nor phone calls. The loans went into default in XXXX of XXXX and my case now is with the State of Texas 's Attorney General 's office. I spoke with a representative from their office today who informed me that it was my responsibility to make sure they had the right address on file. She said that she did an investigation into my case in XXXX of this year and discovered my current address, which I confirmed was correct, She said notice was sent to this address when it was discovered. However, I did not receive this notice. I would have paid the loan right away had I known that it became due and I believe that the notice I was given was insufficient, especially considering that they had my phone number and email address on file. I have sent payment for the original balance on my loan. I was informed by the representative at the State of Texas 's Attorney General 's Office that a case was filed with a Justice of the Peace in XXXX, Texas in order to recover the interest that had accumulated on my loan during the last year and a half. I asked that they send me the information showing that adequate notice had been sent, but the representative said she could not do that. I am happy to pay the loan that I took out, but making me pay {$1500.00} in interest on loans I was not aware were collecting interest is manifestly unfair. Thank you for any assistance you are able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: LEXISNEXIS
State: VA
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:
My name is XXXX XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account has violated my rights. 

15 U.S.C. 1681 section 602 A : States I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : Loan Account Holder : XXXX Nevada XXXX XXXX Monthly Payment : {$670.00} Loan Account number : XXXX Amount on Loan : {$17000.00}

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 2022-07-02
Company: Experian Information Solutions 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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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

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 2022-07-02
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 the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my follow 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Mandarich Law Group, LLP
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX has filed false claims against me alleging that I owe the company credit card debt. They brought legal action to the circuit court of Illinois, and I willfully answered and tried to reason with the Mandarich Law Firm they hired to illegally collect the alleged debt. I've sent countless responses to try and rectify the issue and seek remedy, but they persisted on unlawfully and did not comply with any written demands regarding the billing error and debt validation I expressed. They ultimately won a default judgement in error due to my absence because of medical reasons. Now, XXXX XXXX XXXX has Mandarich Law Firm illegally GARNISHING my wages unlawfully. This is Theft and Fraud due to the false and misleading representation of the alleged debt. The alleged debt is a billing error that was never rectified, and I did not have any full disclosure on the accounting and details of the contract that was entered between XXXX XXXX XXXX and myself. I was never sent a true bill invoice lawfully demanding money, only statements and threatening letters regarding extortion. And now my wages are being garnished by 15 %! I wish to settle this matter at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Experian Information Solutions Inc.
State: SC
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 have sent in a written dispute on requesting to remove wrong personal information that is on my credit report from XXXX, XXXX, Experian. I provided them XXXX, XXXX, Experian with the updated information as required. A copy of my Drives License and also a current bill with my name and current address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX , SC 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