BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: Santander Consumer USA 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: 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
Consumer complaint received 2022-08-21
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:
I am unsure how and why XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX pulled a hard inquiry on my account. I did not give them written consent to review my credit reports

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 2022-06-06
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This company never answers my calls they leave me on a silent hold or hang up, I called to dispute a charge from XXXX due to the fact that XXXX never provided me with the services then deleted my account when I didnt even do anything which could have had them delete my account, I read all the terms throughly. I want my debt paid for and me not having to pay them back at all for any money, I can never get ahold of them and even if you all fix this problem they will continue to do it, I want the debt paid for.

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 2022-08-21
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX has been harassing me for a medical bill that was already paid by insurance, also it never provided me with a validation of debt in the event the debt was real, contacted previous provider and was advised they do not do business with that collection agency and they can not verify the debt is owed, have file a dispute with credit bureaus and has been remove from two of them however they refuse to have it remove from XXXX, they have been contacting me to collect a debt that is not owed.

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 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Farrell Holdings, LLC
State: IL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Im a little late on my car loan but I also get a 10 day grace period. They call me non stop on different numbers, every 5 minutes. It distracts me at work and while driving. If Im late one day, I get so many phone calls from different numbers from the car loan company. The name is XXXXc, thats the car loan company. They dont stop calling, they call about 50 or more times every single day, thats uncalled for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: DISCOVER BANK
State: GA
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 are inquiries on my credit report that I did not make nor authorize. I asked that these companies and credit bureaus correct these errors and remove these false inquiries off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Discover financial Serv - XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: ProCollect, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We owed a debt with the company Pro Collect. We paid the settlement amount however after 90 days they have yet to accurately report to the 3 credit bureaus as promised.

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 2022-08-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2022, I was informed that Synchrony Bank filed a lawsuit against me. I am currently working with a Debt Consolidation company, and Legal Team who I have given POA to work with Synchrony and try and settle the debt. Synchrony has made no good faith efforts to work with my representation, instead, they file a lawsuit. Their current approach seems to deceptive and malicious, when I am trying to settle with them, and they are using the courts to get around a settlement and add more fees to me. 

This all seems to be blatant unfair and deceptive practices. I am looking to your agency to please help me as a consumer. Thank you for your help and time.

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 2022-08-21
Company: EQUIFAX, INC.
State: AL
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:
n 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 instructio
n.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Community Loan Servicing residential was bought out by a company named XXXX XXXX. I paid off my residential loan and Community Loan Servicing owes me a large escrow check. They are not picking up and the new company has no record of my loan, address or anything. Help! I can't be the only one that got caught in the company being sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: GA
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:
SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE. THEY ALSO USED MY ID TO OPEN AN APARTMENT LEASE IN MY NAME. THEY ALSO OPENED UP A CABLE SERVICE ACCOUNT IN MY NAME AS WELL. I AM WRITING TO REQUEST AND INITIATE A FORMAL COMPLAINT AGAINST XXXX, XXXX, AND EXPERIAN CRA & # XXXX 's. ON XX/XX/2021 I MAILED XXXX, XXXX, AND EXPERIAN TO BLOCK FRAUDULENT INFORMATION BEING REPORTED, ACCOUNTS FOR WHICH I AM A VICTIM OF IDENTITY THEFT ( ATTACHED ). THEY HAVE BEEN UNWILLING AND/OR UNABLE TO CONDUCT AN ADEQUATE INVESTIGATION AND/OR FAILED OR REFUSED TO BLOCK USUSAGE OF THESE FRAUDULENT ACCOUNTS BEING REPORTED. PLEASE CONTACT THESE AGENCIES AND INITIATE A FORMAL INVESTIGATION INTO POSSIBLE VILOATIONS OF THE FAIR CREDIT REPORTING ACT AND/OR FAIR DEBT COLLECTIONS PRACTICES ACT. I WILL ALSO BE CONTACTING THE ATTORNEY GENERAL AND XXXX XXXX XXXX FOR OTHER POSSIBLE VIOLATIONS OF THE LAW.

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 2022-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
n 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 instruction.

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 2022-10-26
Company: Experian Information Solutions Inc.
State: KY
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 have sent XXXX XXXX a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.

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 2022-08-21
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
During the week of XX/XX/XXXX my Wells Fargo Checking account was hacked by scammers. I spoke to my local branch to request further information into the cyber hackI attempted to use my Wells Fargo Credit Card on XX/XX/XXXX and my card was declined. I called Wells Fargo to inquire why and they advised me that they would not access my account. I advised them, on a recorded line, to allow me to make a payment for my balance owed and to close my account and was disallowed to complete either action.

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 2020-04-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX  XXXX {$960.00} XXXX   XXXX {$680.00} XXXX XXXX XXXX {$640.00} XXXX/XXXX  XXXX {$640.00} XXXX/XXXX   XXXX {$490.00} XXXX/XXXX  XXXX {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-16
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We refinanced our home a few years ago with XXXX XXXX. Eventually, our loan was purchased by a debt collection company, Lakeview Loan Servicing , LLC, based out of XXXX  XXXX, VA. Because our loan isn't serviced by a major bank, nor is it one of the types of loans specified as eligible for deferments during the pandemic, Lakeview is only offering forbearance plans. 

On XX/XX/XXXX of this year, I phoned their customer service and asked if I could learn more about the forbearance plans they offered. I confirmed I wasn't asking to enter one of the plans at that time. I merely wanted to talk to someone about them. I was told I would hear back from someone in their mitigation department within 5-7 business days. No one ever called, or attempted to call, according to my phone log. 

I have auto-draft, so the mortgage payment is normally taken out of my bank account on the 1st day of each month. In XXXX, no auto-draft took place. When I called Lakeview on XX/XX/XXXX, I asked what was going on. They informed me THEY had disconnected the auto-pay and placed me in a forbearance plan. I told them I had never agreed to either of their actions, nor had I ever heard back from anyone when I had inquired about it. They checked their logs and admitted this was true ( my wife and I recorded this phone call ). 

In the XX/XX/XXXX call, I asked that they reinstate the auto-draft. They said they would, and that the payment should be taken out on the XXXX or XXXX ( the date I wrote this ). Today, XX/XX/XXXX, I went to their website and it indicated auto-draft was never reinstated, so I manually made a payment on the site so we would be current for XXXX. 

In reading comments about Lakeview, their forbearance plans are such that if, say you didn't pay for 6 months because of loss of work due to the pandemic, you would owe the entire amount for those 6 months once that period is up. In light of current circumstances, many people will struggle to keep their mortgages current one month at a time, and very likely won't have the total of 6 months ' worth of payments when that period is up. When people can't pay at the end of the forbearance plan, their credit scores are trashed and their homes likely will go into foreclosure anyway. 

There are still homeowners who do not have the protection of deferred payments, either because of their type of loan, or which outlet is servicing it. Lakeview isn't required to offer deferments, so they aren't. Instead, they are placing people into forbearance plans that will often cost them their homes anyway. On top of that, in my case, they did so without my knowledge or permission. 

They appear to be a predatory debt collector, and I would like them warned, investigated and sited. Doing business in California is a privilege. Doing it honorably is an obligation.

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 2022-11-28
Company: Experian Information Solutions Inc.
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:
According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of XXXXXXXX XXXX XXXX XXXX which is impacting my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following items that you must remove are listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: MI
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
In XX/XX/XXXX I attempted to use my Capital One credit card and the transaction was declined because of " suspicious '' activity on the account, in talking to the company agent he asked me to verify my identity with by uploading my driver 's license through a link he sent to my on my phone number on record. I complied and sent the verification needed, I was told at the time the process would take several business day to verify my identity. 

On XX/XX/XXXX, I checked the status on my card only to find out that the account was still restricted, so called Capital One again and this time they sent me an email to upload personal identification documents to again verify my identity, and never got an explanation why the first verification did not suffice. 

Over the next XXXX months the same scenario kept repeating, I wait and check the status and they repeatedly ask for more documentation, at this point I had repeatedly uploaded my driver 's license, my social security card and several utility bills and always got the response when I check the status weeks later that there's still a discrepancy and I need to do the same document uploading again. The last of these document uploading emails were sent to me XX/XX/XXXX. 

I finally gave up on this process and called XXXX last time to get my reward miles transferred elsewhere after paying off the card. I was told that the account was closed and nothing could be done on it at this point. 

Capital One has harmed me in XXXX ways, first they restricted my account for an extended period of time without a good explanation or an effective process to restore the account, second they had close my account without my knowledge or consent which will negatively affect my XXXX XXXX, and finally my reward miles that I have earned through the years and kept the account in good standing have vanished with no recourse for me to get them back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, 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:
I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX  ( ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: IL
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 credit Reporting act XXXX  Account 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.

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 2022-10-26
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation