BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: BANK OF THE WEST
State: CA
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: Public record information inaccurate

Complaint:
I believe that I have a claim under the Fair Credit Reporting Act of XXXX  ( FCRA ). Recently, I discovered erroneous information on an FCRA compliant background check. This information has prevented me from being gainfully employed and from opening a checking or savings account. On XX/XX/XXXX, I ran a credit report and background check ( through XXXX ) in an attempt to again find work. I have been unemployed since XXXX. Four judgment liens appeared on my background check from Bank of the West ( BOW ). These liens are both duplicative and mathematically incorrect. Cumulatively, these liens represent in excess of $ XXXX in judgments against me, and these claims have prevented me from finding work or opening a bank account. XXXX told me that I should request that BOW remove or correct the liens because XXXX had received the information from a reputable third party source ( the XXXX XXXX Court where BOW had filed their liens ). BOW has duplicated the liens in my name and has used an incorrect base from which to calculate interest. I believe that the bank has knowingly and intentionally misstated the amounts I owe and continues to do so. I believe that their violations of the FCRA and CCRAA should include fines and punitive damages. I am seeking to file an action in either federal or state court with regard to the fact stated herein. 

I have attached the multiple judgments filed against me by Bank of the West evidencing their claim of {>= $1,000,000} due. These filings are duplicative and do not represent any economic reality.

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 2017-07-21
Company: JPMORGAN CHASE & CO.
State: TN
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:
MULTIPLE inquiries on my credit report by Chase Card for an Amazon.com Visa Signature Card that I have NEVER authorized! I have not lived at the address they are sending credit denials to in 11 years! I have contacted Chase Card and was told all inquiries would be deleted from my credit file since I did not authorize any of them. They have NOT deleted the inquiries and CONTINUE to pull my credit report! This has left me with a total of XXXX HARD inquiries that I have never authorized! UNAUTHORIZED credit inquiries from the following companies that I have NEVER authorized! XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: OH
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 Account the following accounts have violated my rights : XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXX, XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX, XX/XX/XXXXXXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  Account # XXXX 15 U.S.C. 1681 section 602 A. States that I have the right to privacy 15 U.S.C. 1681 section 604 A. Section 2. States that a consumer reporting agency can not furnish an account with my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I have a public record on my Transunion credit file I have submitted documents to dispute this item with no response. I have sent these documents certified mail so i know they received them.. I requested a method of validation for this bankruptcy that transunion says is accurate.. i contacted the furniture of public records which is XXXX and disputed this information I received evidence that there no record of a bankruptcy or ref number to that account in their system.. so Transunion claims to be verified as accurate is either untrue or just a lie but this information is inaccurate and should e removed immediately, I also sent identity theft and police report in regard this this matter and 12 INQUIRES that have not been address

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 2020-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My vehicle has been paid for since XX/XX/XXXX. I sent Huntington National Bank a letter asking for my lien release in XX/XX/XXXX because the vehicle was wrecked and listed as total loss. I haven't gotten anything. I filed a complaint with XXXX  Ohio on XX/XX/XXXX and the complaint was closed because Huntington said they addressed the issue. I got a message on my home phone to call  XXXX @ XXXX. I've called him back several times and left messages with my cell number. Never got any return calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called experian they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX, Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is

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 2022-06-16
Company: Navient Solutions, LLC.
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient contacted me from XXXX during my working hours. Even after notifying them of starting a payment plan and had an agency to represent me on behalf of me for my debt after on XX/XX/XXXX and to push all further contact to them they continued to contact me and even threatened to harm my credit by reporting missed payments. They did such even with debt representation ( national debt relief ). They kept asking me if I was " refusing to pay the debt '' which I responded " No, this is my representation please push all further contact to them. " Which has not happened. 

They're been calling me from a myriad of numbers as listed below. Even after reporting legal representation. 
XXXX, XXXX, XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Jacob Law Group, PLLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I have been paying on this account since XXXX. My balance gets higher even paying {$940.00} the last 4 weeks. I called Jacob Law Group and spoke to XXXX and she said I needed to enjoy my BMW and I needed to pay my bills. She refused to answer any of my questions regarding why my balance is showing {$960.00} on my credit report but she is stating I owe {$2000.00} as of Today 's date XX/XX/2017. She berated me constantly saying some of the most nasty things to me that did not even relate to my inquiry about why i still owe on this account. I have enclosed all my documentation to prove this company is ripping off people and I am pretty sure the fact I drive a convertible BMW that is 7 years old has nothing to do with this account. I was diagnosed with XXXX and money was tight for a while while i was out on XXXX. She told me to ENJOY MY GARNISHMENT! THE COMPLAINTS ON THIS COMPANY IS UNREAL!!!!! PLEASE DO SOMETHING

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One is refusing Arbitration under the Federal Arbitration Act regarding the Pending Dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
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 is missing that should be on the report

Complaint:
i tried to call and fix the problem called XXXX said they didn't have an account or pull people credit and gave me other number same thing said they had no account under my name and didn't pull peoples credit called XXXX they said file a dispute online but you can't and i show that i ask about other hard pull on my credit he said don't worry it okay it go away and hung up on me, XXXX me to be honest XXXX VIA XXXX XXXX XXXX XXXXXXXX,  Data Source/Recorder 's Office : XXXX Requested by : XXXX XXXX XXXX XXXXXXXX Requested on : XX/XX/XXXX Total Tax Amount : XXXX and i am not going to pay this amount on my taxes and i no i will be hit with it on personal taxes also want this removed NEW INQUIRY XXXX XXXX XX/XX/XXXX it very damaging to any person credit and have no clue where it come from or what it is

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 2022-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
As I'm trying to get the company to expedite my card. An employee asked for my email and they said that they accidentally had the wrong email listed. Meaning that the employee before him imputed the wrong email and told me everything 's alright and that there's nothing els they can do. 

I told the employee that told me today they had imputed the wrong email if I could speak to a supervisor because this is a very concerning problem. They tried to brush it off told me that they will wave my fees to expedite my card and then connects me to his supervisor. Who then tells me that they can not expedite my card. I ask her why her employees don't know this and are giving me wrong info and she says that she will give me feedback and that's all she can do. I told her that the email adress that the employee imputed incorrectly and was left for two days ( meaning that whoever has the email adress that they imputed was now getting my information from capital one like my name and whatver it is they send ) she told me there's nothing she can do. I asked her if there will be an investigation and she said that she can only give me feedback. I don't know what this person is doing with my information and that's my information that companies pay for and they do pay for that stuff. She was very rude told me nothing she can do only give me feedback and that my time can't be compensated for my time being wasted with there untrained or badly trained employees. 

Something needs to be done I want to be insured that my information isn't in the hands of the wrong person. I want something to be done not just to be swept underneath the rug. I know that capital one has been sued for them knowing things and them not doing anything about it and that's what's going on right now..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I received some phone calls and the attached letters from the company and I do n't ever remember ever having this credit card. In 2010 I went to my Credit Union, XXXX XXXX XXXX XXXX and enrolled in their credit education program. It took me about 3-4 years to get all my reports cleaned up and paid so that I could retire and buy a home. About a month ago I received the first letter then phone calls that left voice mails. I sent a Cease and Desist letter and have heard nothing since but now they have put it on my credit report. It also is way over the statute of limitations in the state where this agency is and the state where I live anyway

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-10
Company: LAKEVIEW LOAN SERVICING, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I am in dire need of urgent assistance with my mortgage Lender, Lakeview Loan Servicing , LLC, C/O : XXXX. I recently received my current monthly statement that shows my monthly payment has doubled. I have not fallen behind on my mortgage payments. I also noticed on the invoice statement, that I have incurred asserted attorney fees in the amount of {$480.00}. I contacted customer service, which advised me to pay the fees to avoid going into default on my loan. To date, I have made all of my payments in a timely fashion, ( excluding legal public holidays, Saturdays, and Sundays ). My payments are normally mailed at the end of each month. 

I am asserting that the Service Lender charged this fee ( {$480.00} ) without a reasonable basis to do so, therefore ; I am requesting supporting documentation from the Service Lender, regarding their deceitful asserted impermissible fees that they have financially imposed on me. According to the Real Estate Settlement Procedures Act ( " RESPA '' ), an institution lacks a reasonable basis to impose fees that are not bona fide, such as ( i ) late fee for a payment that was not late, ( ii ) a charge for a service that a service provider did not actually provide, ( iii ) a default management fee for borrowers who are not delinquent, or ( iV ) a charge for forced-placed insurance that is not permitted by 12 CFR 1024.37 ( 12 CFR Part 1024, Supp. I., Comment 1024.35 ( b ) -2 ). I received information from Lakeview Loan Servicing , LLC on or about XX/XX/2019 indicating that " Recoverable Corporate  Advance Fees were paid with Servicer funds, but are to be recovered by the borrower ''. This appears to be a deceptive predatory practice by the Servicer with no supporting documentation of rule. 

My modification contract with Lakeview Loan Servicing , LLC does not specify any recovery corporate advanced fees involved in my repayment of the loan. So, why am I being charged this fee?

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 2016-05-09
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX of XXXX complaints regarding same company. ( SLS recently purchased XXXX of our mortgages. ) Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!

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 2021-01-29
Company: Experian Information Solutions Inc.
State: NC
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 can't provide exact dates because I have been trying to get this matter settled with the Department of Education, XXXX XXXX ( XXXX XXXX XXXX ), as well as XXXX XXXX ( chairman ) from XXXX XXXX XXXX XXXX, for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief. 

I am also a XXXX Veteran. I am submitting two separate XXXX XXXX ( documentation ) for proof and the account should be XXXX. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of XX/XX/1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been past 7 years and this firm is still continuing to report false information on the report. 

I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages.

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 2020-01-10
Company: Bridgecrest Acceptance Corporation
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX DOB XXXX This is the 4th time I have complain over the same issues. There are tons of inaccurate information on my credit report! My name is XXXX XXXX XXXX I would like the other spellings of my name removed. I have a unverified unknown fraudulent account XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am not sure who took out these account for business or credit but they are not mine please delete. 
I have issues with miscellaneous unknown addresses on my file I never lived at please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXX ALL OF THE ABOVE MENTIONED ADDRESSES ARE NOT MINE!

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
, XXXX XXXX, consumer and natural person, am a victim of identity theft pursuant to 15 USC 1681a ( Q ) ( 3 ) under the FCRA. I have filed an identity theft report pursuant to 15 USC 1681a ( Q ) ( 4 ). Just an FYI : I understand that a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer pursuant to 15 USC 1681b ( c ) ( 3 ). Pursuant to 15 USC 1681c-2 ( c ) I understand that you may decline to block or may rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to 18 U.S. Code 1028A. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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