BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Id Theft, I am a travel nurse and these types of things could affect my employment because they do credit checks on us. I started receiving calls from XXXXXXXX XXXX XXXX XXXXXXXX about a debit that did not belong to me. I tried to dispute it and had no success. The account number ending in XXXX in the amount of XXXX which is now sent over to MCM MANAGEMN. They are harassing me about this and this does not belong to me. I have a Identity theft program with my job that is working with me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX On XX/XX/2023 XXXX XXXX  agreed on XX/XX/2023 that this account number is not mines.

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 2020-03-19
Company: DISCOVER BANK
State: MA
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:
i disputed this charges previosuly sent the company proof the removed it and added it back im furious and cant believe i cant trust the creditor i have done business with this company has charged me an additional XXXX for service i cancelled when they are selling inaccurate and misleading service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: SN SERVICING CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
For the last months I have been trying to get a loan modification to not lose my home and XXXX XXXX ( assigned representative ) refuses to work with me. I am doing my best to keep my home but when I communicate or try to speak with Sn servicing especially XXXX she never answers the call and all other representatives only say " Theres nothing we can do for you '' I have a recording of it as proof. I spoke with XXXX XXXX  XXXX. I even asked for a manager and the response is " what do you think shell do for you?, nothing. '' again, I have the recording to prove it. He gave no importance to my needs and situation. I Also spoke with XXXX, whom claims to be a supervisor. which wasnt much help either. All she can say was she had approached the account specialist to see what happened. Claiming there was a letter sent to me in XXXX or XXXX requesting additional documents but it was never received and when asking for a copy of the letter they were not able to locate it. Just proving it was never sent. I believe XXXX is not servicing my loan and my requesting in assistance. to this moment I still have not heard from the assigned rep XXXX after all the calls and complaints i did all morning. I need all and every help to keep my home and stay in it and no one is willing to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: Experian Information Solutions Inc.
State: FL
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:
They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a PayPal credit account, in which the terms are, no interest on purchases of $ XXXX if they are paid off within 6 months. In XXXX, I was notified that I'd be charged interest on the full purchase amount from a vendor ; I knew that was wrong because I had already returned a portion of that purchase. I contacted customer service, they said I was right, they hadn't applied the return to that purchase, and so they would escalate it and have it fixed by the time my bill was due. That day came and went, and they did charge me the interest. I called customer service again, and I was told that the last representative hadn't fixed it, but now it would be fixed. Now it's almost XXXX and the interest is still there. I've contacted them XXXX separate times about this. I would suggest to anyone with paypal credit to comb through every statement, they don't seem to know what they're doing, and they try to find tricky ways to make money.

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 2023-05-01
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: Information belongs to someone else

Complaint:
I have been made aware that XXXX XXXX continues to violate my consumer rights excessively. I have had multiple encounters with the bank and now request that they send me my public and private accounting records, along with all other account records, in accordance with GAAP. Billing statements and letters are not considered documentary evidence and are deemed fraudulent documentation. This behavior constitutes dead-right fraud and violates consumer protection laws. XXXX XXXX  has ten days to send me all documentary evidence, including my public and private accounting records, or I will submit a whistleblower form to the IRS for tax fraud. In addition, the continuous sending of emails constitutes harassment and abuse, which is also a violation of the law. Attached are whistleblower forms for your review, and I am keeping all documentation and evidence to build my case for litigation. This behavior may be considered racketeering, which carries a XXXX prison sentence. Please do not send any more statements or letters ; instead, send me my private and public accounting records or block, remove, and delete my account. 

Account 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 explanation
Consumer complaint received 2023-05-07
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I was hit with overdraft fees of {$35.00} every single time something hit my account, multiple times a day, racking up hundreds of dollars of overdraft fees even when the overdrafts were for as little as {$4.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: PA
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 have been disputing this account for months nothing was resolved. 


Account XXXX XXXX XXXX  XXXX According to 15 U.S. Code 1681e ( b ) this account should have maximum accuracy. It is reporting numerous high balance amounts which is incorrect.

Date of last activity is reporting false dates.

Contacted the Agency asked for proof of the alleged debt specifically and they will not send me any proof. 

This charged off account is showing transaction history which is a direct violation of the FCRA. according to 15 U.S. Code 1681a ( 2 ) ( b ) payment history should be excluded from my consumer report. This account is a violation. How is this account reporting charge off every month if its been charged off for years. The account has already been collected on by the creditor. This is a billing error. remove this false reporting account from EXPERIAN, XXXX, & XXXX. 

I am permitted by FEDERAL and STATE LAW to file this dispute. 

A FERDERAL CRIMINAL VIOLATION punishable under 18 U.S. Code 1001.

Additionally, these misstatements are punishable as perjury under 18 U.S. Code 1621.

This charge off is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRUIST FINANCIAL CORPORATION
State: MS
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX5 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-05-09
Company: Navient Solutions, LLC.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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 have a current dispute with XXXX XXXX/Navient dispute # XXXX. The company has sent in a reply and the dispute is closed. The answer from the company is erroneous. They are now claiming that my son did not submit payments for 5 months claiming that his bank account information was incorrect and the account used to make payments did not exist " there was no bank account with the information XXXX submitted ''. It is rather odd that XXXX XXXX was undergoing a " name change '' due to the negative publicity it received for several years and changed the name to Navient with my son XXXX 's loaned serviced by the new company. At no time did my son change banking institutions. It was XXXX XXXX and Navient who erred in transporting the information to the new servitor Navient. Look at the timing of these errors during the period of change of XXXX XXXX as the servicing agent and Navient. Rather suspect and odd that it is so close in time when these errors where made. It is also rather odd Navient states that " as cosigner you are equally responsible for repaying the loan that you cosigned '' and you report " We confirmed that we spoke to you in XXXX and XXXX XXXX and advised you of the missed payments but you were not willing to make payments to bring the account current '' You also stated that payments made by XXXX during this period where no full but partial payments whay is that not explained in the investigation. I have the names dates and times I spoke on numerous occasions to both XXXX XXXX and Navient people. As for not paying the loan and being responsible I have attempted to pay the loan off but have been told I will not be able to get a letter so that I can take the tax advantage write off as a cosigner. Your employee states that it is law that only XXXX can receive this letter and take the tax write offs. If this is correct than how is it that you can effect my credit report as well as XXXX 's. It XXXX died would I be responsible I am XXXX and on Social Security XXXX. You ca n't get blood from a stone. Other than this negative credit report my credit is impeccable. Both XXXX XXXX and Navient are predatory loan companies that the federal government should put out of business. At no time should this ngative information been placed on my or XXXX 's credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Westlake Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account listed on my consumer reports are invalid. Please see the attached for complete arbitration details.

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 2023-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2017-05-09
Company: Fidelity National Information Services, Inc. (FNIS)
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: Information is incorrect

Complaint:
XXXX    XXXX   reported the account closed and unused to ChexSytems since    XXXX    2014    yet ChexSystems continues to report an overdrafted balance and an unclosed account from  XXXX  of  2014  and is stopping my ability to open a credit union account and pay my landlord rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The bank dime closed my account and issued a cashiers check which I never cashed and not its voided I need a new check since it expired with my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
I sent a letter to Equifax on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) XXXX, Equifax, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20
Company: Rocket Mortgage, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I secured a loan from Quicken Loans/Rocket Mortgage to purchase a home on XX/XX/23. Loan number XXXX for {$370000.00}. The sale price of the home was {$390000.00} and it was appraised at {$440000.00}. I originally put {$20000.00} down, 5 % of the mortgage, so PMI was required. Following the purchase, I sold the home I was living in and applied the proceeds, {$250000.00}, to my Quicken Loans/Rocket Mortgage account, reducing the loan amount to {$130000.00}. I have paid 65 % of the loan. My mortgage statement shows that I have a monthly payment of {$56.00} for PMI. When I called to cancel the PMI, I was told that I must pay it for a minimum of 2 years even though I have paid 65 % of my loan and my loan to value ratio is 32.85 %, clearly a low risk. Isn't this illegal under the Homeowners Protection Act? 
Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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
Consumer complaint received 2023-06-07
Company: Experian Information Solutions Inc.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2017-05-09
Company: Receivable Recovery Services, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was removed from my  XXXX  and  XXXX  Credit Report but still reporting to my  XXXX  report. They stated the debt was n't paid however it was paid and I received a letter stating once paid they will delete off all  XXXX  major bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: U.S. BANCORP
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I have noticed a number of accounts being opened without my knowledge and I need to report the fraud. The accounts were opened through US BANK, XXXX  XXXX, and XXXX XXXX XXXX. The large amount of hard inquiries are negatively affecting my credit report and I need to get them removed. Thank you for your 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 non-monetary relief
Consumer complaint received 2022-09-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2016 Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America XXXX XXXX. Cashiers Check Lost in Mail! 
Would like someone to call me and reach out. 
My purse was stolen. Shortly thereafter, I received a letter in late XX/XX/2023, stating my account had been closed due to suspicious activity. I understood. I had a little over {$4900.00} in the account. A check was to be mailed XXXX XXXX XXXX. It has yet to reach me. Im moving and need my money. I called Bank of America, spoke to XXXX in fraud, very helpful. I went to the bank, they researched the check had supposedly been sent XX/XX/2023. I have yet to receive it. That is all the money I had in the bank. I need it to be overnighted and I will remove this negative comment afterwards.

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