BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-28
Company: RateGenius Loan Services 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:
Mid XX/XX/XXXX, I was on line looking at car loan rates. I don't remember what site it was and I started putting info in. But when it got to the point where I was putting personal info in, I cleared out and went back and cleared out all info. 

Then on XX/XX/XXXX I got an alert from XXXX ... I had an auto inquiry from XXXX XXXX XXXX XXXX that put a ding on my report. I called the agency the ask for the credit check. They informed me that Rate Genius asked them to get credit score. 

I have never heard of or contacted XXXX XXXX XXXX or Rate Genius. How could these agencies get my info to get a credit report!! 

I called both agencies and both said they could not do anything. Each sorta of blamed the other. I called XXXX  but they said they could not do anything. 
I had talked to a lady at XXXX XXXX, and she promised me she would check into this and get back to me within a week. When I did not hear back from her, I called her on XX/XX/XXXX got her voice mail and told her if she did not get back to me, I was going to file a compliant. That night I call a call from Rate Genius from XXXX, He said he would check into this and get back to me within a few days. Of course I did not hear back from him and on XX/XX/XXXX I called him and of course got his voice mail, left a message and have not heard back from him. 

All I'm asking of either of the 2 companies is to reverse the credit check on my account. Yes, I went online but I removed all my info and they shouldn't have any of my info. Then for XXXX to give them a report with my permission!! 
I work hard to keep my credit score up and for someone to get a report and put a " ding '' on my account with my knowledge or approval!! 

When I talked with XXXX, I did put a Fraud alert on my account, whereas if anyone wants a credit score, I will have to be contacted. 

Then to add salt to the wound, both companies denied me credit!!! I have excellent credit. 

I am hoping that you can help me get the credit check off my account. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ENCORE CAPITAL GROUP INC.
State: NV
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:
I am a victim of identity theft. Due to the XXXX XXXX XXXX, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: RICHLAND HOLDINGS, INC.
State: NV
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-04-02
Company: Navient Solutions, LLC.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a Letter from XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX   XXXX. XXXX, GA XXXX. with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : NAVIENTFAMS ID NUMBER XXXXINTEREST {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: EQUIFAX, INC.
State: TX
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 am writing to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report from your organization and noticed a credit inquiry that I did not authorize. I have submitted multiple complains and can not seem to get these REMOVED. These are not mine, remove asap from all credit reports. 

XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXXXXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX ) XXXXXXXX XXXX  ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) I have attached my IdentityTheft & FTC fraud reports to support this request. 

At this time, I am requesting that you remove these hard inquiries immediately off my report. Per my FCRA rights, you have 6 business days to remove these inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
State: MD
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:
The attachment belows shows that I have a 59 % and also feels at the bottom that once I get to 40 % my loan balance will no longer be negative score factor. But some how Experion its keeping the loan balance as a negative which means I have not paid 40 % while showing the correct amount that I have paid 59 %. How it is supposed to work is once I get to40 % loan balance is to be removed. please correct because the credit tampering because experion wrongfully Named suggestions ( Score factors ) then use this suggestion that can not be disputed as real factors to destroy my score. But every time I ask the representative about score factors they referred to the ones on my file and not the ones call school factors. That are not on my file. The same file with nothing but the age of credit increase. Have been XXXX - XXXX to XXXX the same file give all these deferent number. Look at the timeline you will see Credit fraud Consecutively.

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 2021-08-31
Company: PlusFour, Inc
State: NV
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. 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 2020-04-02
Company: LEXISNEXIS
State: MD
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:
On XX/XX/20 I received a letter from Lexis nexus would remove the public record from my file. They provided me with a letter I forward that letter to the XXXX  and XXXX  which continue to state that the bankruptcy is verified and refuse to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
On Tuesday, XX/XX/2019, XXXX XXXX, personal banker, put in an order on his computer to issue a {$25.00} credit to be deposited in my checking account at Bank of America, XXXX XXXX branch. I had been charged a {$25.00} maintenance fee for letting my checking balance get below the {$20000.00} required for the Preferred Rewards status. When I let the balance drop, I had assumed that I would, automatically, be dropped from that classification and enrolled in an account that didn't require a {$20000.00} balance. My assumption was wrong, and I was charged the {$25.00}. XXXX XXXX was sympathetic to my situation and ordered a {$25.00} credit for the account and then enrolled me in an account that required only a {$250.00} balance. To date, I have not received the {$25.00}. XXXX XXXX has not responded to three emails, and XXXX XXXX XXXX has not responded to a letter I sent which was dated XX/XX/XXXX. XXXX XXXX and XXXX XXXX seem uninterested in telling me why the {$25.00} transaction did not go through. I want to know why the transaction has not gone through.

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
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Bank of America has reordered my transactions, from those processing first, to processing a larger amount which came in last, so that I incur XXXX {$35.00} overdraft fees instead of XXXX. This unfortunately is not the first time this has happened.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I called Naviant to discuss the policies and terms of the forebarance of XXXX of my loans that my mom paid for. I was informed that neither of the XXXX loans were in forebarence and that i could make a payment of {$50.00} each to put the loans in forebarence. My mom had already made a payment of {$150.00} on XXXX XXXX. I was then informed that the payment was not there and the only payment showing was from today that my mother made to forebare the loan she cosigned on, When I was informing the woman named XXXX that the forebarence of all XXXX loans was already paid for, i recieved an attitude from her and her constantly asking if i wanted to make a payment to put my loans in forebarence. It was n't until i read off the exact persons name that she spoke with on the XXXX and the confirmation number that i actually got somewhere and by that time i had to go back to work. I am not impressed with how they handled this situation and would like to know where they payment my mother made for the XXXX loans went and why it was n't clearly noted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Square Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was selling an XXXX XXXX XXXX XXXX on the XXXX XXXX on XXXX about three weeks ago. I submitted the condition of the phone, the name of the phone and the asking price for the phone. One particular consumer submitted interest in the phone and stated that he wanted to purchase it. Upon further conversation through XXXX, we both agreed on the details for the purchase of the phone, which was {$700.00} USD and that once the consumer submitted his address to where the phone was to be shipped to, I would then take the phone to the XXXX XXXX XXXX XXXX, have it mailed off and then submit a photo copy of the receipt and tracking number to the Cash App Center to have my funds submitted to my account. I held up EVERY aspect of my side of the commitment to the selling and delivery of the phone and I have yet to this day, received any money for my phone. I received an email from Cash App stating that they have submitted money to my account and I HAVE NOT RECEIVED ANY FUNDS! Further more, Cash App then stated that the reason for the delay of my not receiving any money was due to the fact that the denomination of money was too low for me to receive any money. So then Cash App claimed to have gotten in touch with the buyer of the phone and to inform him of this problem and that the buyer would need to submit at least {$500.00} more USD in order for me to receive any money. I was then told that the buyer had done so and submitted the extra money requested and required for me to receive any money. Then I was told that I needed to refund the extra {$500.00} USD back to the buyer of the phone in order to receive the original {$700.00} USD. I have never received NOT ONE SINGLE PENNY OF ANY MONEY AT ALL! And now I have been threatened by the buyer and Cash App about this ordeal and told that I would be sued and sent to prison for this. I have also received a threat by email from what was supposed to be the FBI, stated that I need to relinquish the funds or be sent to prison. I truly believe that this is all a fraudulent attempt at obtaining a free phone from me and that the whole ordeal was fraudulent! I believe that the Cash-App statements are false and that the FBI emails are false. I don't know how to go about proving this and need help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a refinance loan with bank of America. I was paying all closing cost at closing I was just refinancing my property for a lower rate which would have in effect gave me a payment of {$300.00} less each month. The first time I applied that application for some reason was cancelled out without any notice to me after supplying a lot of financial documents. A new loan application was generated by bank of America and I had to provide numerous financial documents again that were lost or misplaced by Bank of America. After numerous inquiries by Bank of America on my credit report they denied the loan for excessive obligations in relation to income. Bank of America was provided corporate returns and personal returns. The corporate returns reflected the business paying ALL my financial obligations which are not many. i.e. Mortgage, all utilities, all credit expense accounts etc. The business returns even showed a profit after paying those items and has shown a profit for the past ( 9 ) years. I also take a {$12.00}, XXXX draw each year from my company which is 100 % unobligated money because all expenses are paid by my company. So not only are all my bills paid by the company I also get a XXXX draw every year. The previous mortgage I was trying to refinance is {$300.00} more than the refinancing I was attempting to obtain and was paid for 9 1/2 years by my company never late. Bank of America is discriminating against me as I excercised my rights under the Equal Credit Opportunity Act. One more thing, Bank of America had an appraisal of the property completed and it showed {$85000.00} in equity in the home. As we both know banks appraise the property very conservativly. Obviously for the past 9 1/2 years my company has paid all my bills including the current mortgage ( never late ) and made a profit every year after paying all expenses related to my debt and the business expenses ... ... not to mention the {$12000.00} I get for my pocket every year. Bank of America clearly discriminating against me and wrongfully denied the loan. I would like to mention I have been a bank customer of Bank of America with my business and personal accounts for over 10 years.

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 2019-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I visited the XXXX XXXX branch of Bank of America in XXXX XXXX Ca on XX/XX/2019 to replace a lost bank card. The personal banker assisted me with the replacement then asked if I like to speak to the relationship manager on current refinance promotions. I agreed to speak to the person. I initially waited and after 20 minutes decided to leave since I had an appointment to make without ever speaking to XXXX XXXX about refinance promotions. On my way out he asked for my contact information and stated he would call me later that day. I did not receive a call. I received an alert from credit monitoring that a mortgage hard credit inquiry from Bank of America had been made that same day. I did not authorize or consent to this inquiry. I have requested that the bank remove the inquiry from all the reporting agencys. Based on the violation of the Fair Credit Reporting Act I am reporting this to consumer finance for further investigation into the practices of Bank of America.

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 2020-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
Transunion Need to be Remove Bk on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
I had a credit score with Equifax of XXXX on XXXX/XXXX/2016. On XXXX/XXXX/2016 I have a credit score of XXXX. The only thing that has changed is my address. These people at Equifax took XXXX points away from my credit due to I changed my address. Hey I would like to file a lawsuit and actually received some proper resolutions from the consumer credit agency. This is crazy. I want justice and I want it today. These people can not take XXXX points off of my credit due to I changed my address. What XXXX is really going on here. Please ask this Equifax credit agency why are they taking XXXX points away from someone XXXX credit score because they change address. All of my bills have been paid on time, nothing late and nothing has changed except my address. They need to give you, me, somebody a explanation of why they took XXXX points off of my credit and all I did was change my address. Is someone trying to buy something I do n't know about. They need to reveal why they took the XXXX points, or else put them back today. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Niagara Restitution Service Inc
State: LA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Niagra Restitution Services called and left a message with my sister in law to call them at XXXX. I called them and asked them to remove her number from their contact list, and was hung up on. Then I called back and the rep refused to send me proof of debt in writing. His supervisor also refused, and could not give me the name of the original debtor. She asked me if I was still driving a certain make and model car, and said they could take a lien on my vehicle. She also threatened garnishment. Every time I would ask for proof of debt, she would report that I refuse to pay. She offered to send me a confirmation email if I gave her a card number today to pay the debt. I told her that I would do so after I have proof of debt in writing. She again refused to do so.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation