BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-29
Company: LEXISNEXIS
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On XX/XX/XXXX, I filed a complaint with the CFPB against LexisNexis CASE # XXXX. Respondents responded to the complaint on XX/XX/XXXX, stating that the disputed information was deleted. LexisNexis removed motor vehicle record XXXX Per their letter. ( See attached ). However, I did not receive the " Identity Theft packet, '' Although an FTC report was filed and provided to LexisNexis multiple times. 

On XX/XX/XXXX, I filed a second complaint with the CFPB against Lexis Nexis Case # XXXX. Respondents responded on XX/XX/XXXX. However, there are still issues surrounding the information that was " allegedly '' Deleted. 

LEXIS NEXIS SUPPLIED FRAUDULENT INFORMATION TO THE CFPB regarding complaint # XXXX. Lexis Nexis stated the information was removed per the letter to the CFPB ; my insurance rates increased again to {$430.00} a month starting in XXXX. I was notified via another Insurance Company as their rates were vastly different, with a rate of $ XXXX month. LexisNexis continues to violate the following : 1. 15 USC 1681 ( a ) ( 4 ) " Infringed Upon a Consumer 's right to privacy '' and 2. 15 USC 1681b ( a ) ( 2 ) " No Permissible purpose/ No written instruction '' I had recently received notification from a customer service representative from XXXX as my insurance rate has increased ; when I inquired about the increase in my insurance premiums, the rep advised that it was due to a report obtained from Lexis Nexis and a ticket that I was reported in XX/XX/XXXX I am still waiting for the case to reset regarding the alleged ticket issued due to the request for reasonable accommodations based on my XXXX Again, I have submitted the information previously in the previous complaints and will present the documents from XXXX XXXX that are being reported as of XX/XX/XXXX. 

However, as of XX/XX/XXXX, Lexis Nexis again provided false statements as the information is currently being reported, still causing financial injury to the complainant. with no good resolution to resolve issues despite their responses to the CFPB. As a result, I am requesting Enforcement from the CFPB, and I will pursue the matter via a civil lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.s/items which do not belong to me or was opened without my permission. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 the following companies are violating my rights ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. I DID NOT give any of these companies permission to furnish these to any consumer reporting agency.

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 2022-08-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. 
Experian is governed by 15 USC 1681.And they violated my rights numerous times. 
I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Experian written permission to furnish this accounts. 
XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX  BA # XXXX Consumerreporting agencies have assumed a vital role in assembling and evaluatingconsumercreditand other information onconsumers. 
There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy.

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 2017-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX  -  Contacted  Bank  Of America to  inform them that i was selling my condo and to not pay my flood insurance early, policy effective is   XXXX   through  X/30 . When closing date was set, I contacted BOA on   XXXX     to confirm that they would not be paying for a policy that was not due for over a month. They told me they had already mailed the check and that i would have to get the refund on my own. They have constantly been making mistakes while I held a mortgage with them that has cost me hundreds of hours of my time. 4 weeks later I am still trying to get my refund for a policy that would n't even be in effect for another week. In addition, as soon as my mortgage was closed -  XXXX , all of my mortgage documentation was removed from the website. This included year end tax statements that are required to file taxes. How are they allowed to remove the tax documents over a week before taxes are due?     Also, in the closing process they repeatedly sent an expedited payoff amount to my buyer 's closing agent. I contacted them in  XXXX  that I do not authorize any expedited payoff amounts until closing. Any payoff amount should be in the form of the free, non-expedited version At that time, they removed a {$30.00} charge. I did not authorize them to send 3 expedited payoffs, only a final one is required. At closing, I had an amount of {$150.00} to pay instead of {$60.00}  ( {$ 30.00} for the mortgage and {$30.00} for the secon d )  This cost me {$90.00} additional out my pocket at closing. The closing agent confirmed that they did not request additional ones, that BoA just sent it to them.     As a result of their practices and poor customer service, I did not even contact them for the mortgage of my new home that I bought. If they could 've offered me a better interest rate and/or lower closing costs, there is no way I would ever utilize BoA again.

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 2022-11-12
Company: Amsher Collection Services, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX was terminated over a year and half ago and the cable boxes were returned to the XXXX store XXXX XXXX XXXX XXXX WI per their instructions ( the local spectrum office was closed ). A year and a half later I get a collections notice, I responded with the boxes were returned. No response for months and not they put a collections on my credit report. Simply wrong. I can not find the return receipt as it was over a year ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
On XXXX XXXX, I've sent letters to all 3 credit agencies for a investigation of inaccurate information reporting on my credit report. I've gotten no investigation letters from bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Would not auto pay bills that was set up to pay refused let payment go thru

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: Experian Information Solutions 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 ( XXXX XXXX XXXX, XXXX, VA 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. 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 explanation
Consumer complaint received 2022-08-02
Company: Lennar Financial Services, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I have a complaint against two mortgage brokers with Lennar Mortgage. 

XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX complaint ; 1. requested signatures on disclosures with a floating interest rate even though we specifically said we were not in agreement. He asked us to simply disregard it as it would be corrected later in the transaction. 

2. approved loan by omitting debit and manipulated credit balances to reduce debt-to-income. 

XXXX complaint ; 1. upon receiving accurate debt-to-income ; she indicated it was 57 % over the FHA guidelines of 55 % XXXX Her solution, she would use supplemental income to qualify us for loan and then seek another job after closing to cover shortages. 

2. after expressing my frustration and accusing Lennar Mortgage of mortgage fraud/ethics violations, she has stopped communication even though this deal remains active. 

Both of their conduct mirrors how lenders qualified consumers during the 2008 mortgage crisis. Approving customers, like us, for a loan we would clearly be unable to pay due to high debt-to-income simply to sell homes.

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 2023-02-21
Company: FIRST NATIONAL BANK OF OMAHA
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2023 I made an electronic payment of {$2000.00} via my XXXX app to First National Bank of Omaha which is the bank for the XXXX XXXX Credit Card. 
XXXX documents show the payment cleared on XX/XX/2023, the day before payment was due. 
The amount was deducted from my account. I have documentation from XXXX that the money is gone. 
On my account, the payee was labeled XXXX  XXXX XXXX, because that was the previous bank that managed the credit card. However, the payee address was correct for FNBO. 


On XX/XX/2023, I learned FNBO never received said payment and despite my submitting documentation from XXXX showing the money did go through and they are the payee, FNBO refuses to credit this amount to my account. 

Even if the payment somehow went to XXXX  XXXX XXXX, it should have been returned. I also tried calling XXXX  XXXX XXXX but I can't get through on the customer service line because I no longer have an account there.

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 2022-12-13
Company: WELLS FARGO & COMPANY
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Wells Fargo will not tell me how much is left on a " FUND DO NOT EXPIRE '' Rewards Card that I have. I have attempted to work this out with the company and have gotten no response. 

I request all correspondence be done in writing. This is for the protection of myself and the protection of the financial institution. It seems that everyone would want this to be done in writing and not over any sort of phone call where the parties could lie and everything be a " he said, she said '' deal. 

I request CFPB to handle this information and require everything to be done in writing so we can ensure that the financial institution is in compliance. It seems that by not requiring this to be done in writing the CFPB is simply allowing the company to practice unethically. 

If the CFPB is not going to handle this and simple close out the case without resolving the issue, I will contact the inspector general to investigate and find out why the CFPB is not acting ethically on behalf of a taxpaying customer. I'll also look to contact the XXXX  and the attorney generals office if the CFPB reject to help a customer. Is Wells Fargo paying off the CFPB to silence them and not allow this to be done in writing. What is being hidden to not have everything be done in writing from both sides? It just makes things look more like a scam when this requirement is not met. 

Thanks

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 2018-03-13
Company: ERC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Closed XXXX account and dropped off equipment to the old XXXX store. Account was closed. XXXX later sent me a bill for non-returned equipment ( Old equipment prior to closing account ). I advised them when the contractor came out to set up a new wireless modem, that the service member stated he would return the old equipment for us and that we should not have to worry about anything. 

I explained this to XXXX once I received a bill and they agreed. 

A few months later I was placed on collections. I went into the store and called XXXX. both places stated they would resolve the issue and get it taken care of ( XXXX was the name of the manager I spoke to at the XXXX building ). 

The account was closed and removed from my credit report ( On consumer credit ). I went to go refinance my home and see the account is closed but states I still owe XXXX dollars. I should not have to pay for something I did not do wrong with from the start. And shouldn't be spending time attempting to resolve an error on the organizations time which in tern hinders my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02
Company: ACIMA CREDIT, 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: Information belongs to someone else

Complaint:
I sent a letter to XXXX Credit Bureau on XX/XX/2022 to removeACIMA CREDIT FKA SIMPL XXXX Balance : {$1700.00} that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any account or information not later than 4 business days after the XX/XX/2022 letter .Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Synovus Bank
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XX/XX/22 a certified notice was sent to First Progress Card in reference of a billing error. First Progress Card failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s )  responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

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 2015-11-22
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Is about bsi financial service they dont do mortgage modificatin and iam loosing my house. I been here for 12 years also my friend XXXX had been leaving w me i file bankruptcy i been paying since XXXX but XXXX sold it to bsi finamcial

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation