BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-09
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:
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 2022-12-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over the last 2 months of XXXX and XXXX I have been receiving numerous harassment of calls every 5-10mins a day! They are using fake numbers that are not in service as well as their own company phone.

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 2022-12-21
Company: EQUIFAX, 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:
Equifax is still reporting inaccurate information on my credit report. XXXX and XXXX has already removed this account from my report. This account was in litigation due to deception and predatory lending practices and failed to prove I owe this account. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter that they already received. This account nolonger exist and I nolonger owe, so why is Equifax still reporting a dismissed account on my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Maximus Education, LLC dba Aidvantage
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:
In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 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 a account without my written instructions. 

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX XXXX Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original XXXX {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXXXXXX U S DEPT OF EDXXXXXXXX XXXX XXXX  Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/2022 I contacted an alleged creditor. I will say alleged because I never received a debt validation letter and was never contacted regarding this debt. 

When I contacted the creditor I had been informed by the original debtor that my balance was {$1900.00}. I attempted to pay the balance to original debtor, they accepted the payment and then the debt collection agency said that the amount was incorrect. 

Every credit agency is reporting the original and current balance of the debt being {$2000.00}. The orginal amount of the debt was {$1900.00}. 

The company that I paid for the debt was not the creditor listed but a company called XXXX, XXXX, and XXXX. To this company I paid {$2400.00}. And yet the balance verified by the credit agencies is still {$2000.00} or {$2000.00} depending on which credit report you look at. Every site has a different and inaccurate amount that continues to be verified as accurate Not only are there inaccuracies with balance, but I was never notified by the company about the debt in the first. They never gave me an opportunity to verify it or pay it ahead of time. 

Also, the dates listed of payment are inaccurate. I paid the alleged balance in full on XX/XX/2022 but it's listed as paid in full in XXXX of 2022.

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 response to consumer: In progress
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 non-monetary relief
Consumer complaint received 2022-11-07
Company: Consumer Collection Management. Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived at XXXX XXXXXXXX XXXX XXXXXXXX XXXX in XXXX, TN from XX/XX/2019 to XX/XX/2019. My lease was paid in full and I notified the management company when I was moving out. XXXX years later, I saw on my credit report that I was sent to collections that I owed {$2000.00}. I never received any communication that there were outstanding charges from when I lived here. I called the current management company of XXXX  XXXXXXXX XXXX XXXXXXXX XXXX and all they were able to tell me is that I " broke my lease ''. I then asked them to send me a copy of the lease for me to review and they have been unable to provide that to me despite multiple requests. When I reached out again, that same management company then told me that a different management company was managing the property at the time I was living there and that if I needed any further information I would need to reach out to them. I then reached out the previous management company, XXXX XXXX XXXX, multiple times, received no response and no one is able to send me any documentation of the charges that I am supposedly delinquent on. I have no outstanding charges due to the XXXX XXXX XXXXXXXX XXXX nor to Consumer Collection MN where they sent me to collections. I also reached out to Consumer Collection MN as I never received any notification from them that I was sent to their collection agency. When I spoke to them they also had no documentation of what the charges consist of other than " I broke my lease ''. This process has been an absolute nightmare and all I've gotten is the run around from XXXX XXXX XXXX XXXXXXXX XXXX who is currently being managed by XXXX XXXX, XXXXXXXX XXXX XXXX who was the management company at the time I was living at XXXX XXXX XXXX XXXX  XXXX and Consumer Collection MN. This collections has a negative effect on my credit score and I just don't understand how companies are able to do this to an individual. If someone owes money, the creditor should be able to provide sufficient documentation of the charges. I've tried disputing the collections via XXXX and it came back as " verified '' by Consumer Collections MN however they still can't seem to find any verification of the charges that they can send to me???? Somebody please make it make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Experian Information Solutions Inc.
State: OH
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:
Submitted identity theft report. 
Update my information to all XXXX credit platforms.Information should read XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I have no other allies Requested name variations outside of name listed above be removed. 

Requested all soft and hardinquiries be removed from credit profile Request all inaccurate information about my accounts be removed Request proof of debt from all collection debtors on my credit profile

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 2017-09-27
Company: NATIONSTAR MORTGAGE LLC
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage with Nation Star XXXX XXXX XXXX XXXX loan is XXXX old it was a 90 % purchase. Its a very hot real estate market in XXXX XXXX XXXX ID. Did my research and know what my house is worth which would put me close 70 % XXXX easy to qualify no PMI. I pick a re-value from a realitor. She came did it value came back {$22000.00} under purchase price from over 2 years ago. They did not send Xome valuation assessment until I ask for it once I got it immediately saw problem she listed it as a 2 bedroom vs a 4 bedroom ( appraisal from purchase has it listed as a 4 bedroom recorded as a 4 bedroom in county records ) Called Nation star told them of the mistake they said she a trained professional and I was wrong. I argued made my point said I would have to send all info I had to nationstar with all my facts and they would review. Have not heard or gotten anything in the mail from them very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Bridgecrest Acceptance Corporation
State: NJ
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:
Bridge crest reported on my credit reports a charged off on the account it should reflect a balance of XXXX XXXX Charged off means they received a XXXX from irs means they have a tax credit. They can not by law collect from me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I wanted to sell the house because I became injured at work and started falling behind on payments. Wells Fargo refused to allow me to initiate a sell because my husband had an IRS lien even though the mortgage was in my name only. My husbands name was placed on the deed after the house was purchased. I had XXXX  XXXX in XXXX and was forced to retire so I fell behind on payment eventually foreclosing on the house in XXXX and I am still unable to get any type of mortgage for at least two more years

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: KS
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:
This is about the inaccuracies that were inequitably furnished onto my Consumer Report. I came to know about these inaccuracies on XX/XX/2023. Due to these inaccuracies, my right to extend credit has been damaged to a great extent. As a result, I was discriminated against embarrassed and refused several transactions.I did not give consent to XXXX, Equifax, nor XXXX. Pursuant to 15 USC 1681 ( a ) ( 4 ), a consumer reporting agencies must exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. These companies have been partial and have not shown any respect to my right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Capitol One electronic billing system stopped sending out bills last summer. They did not contact me in writing until after they issued a negative credit reporting from Capital One after the accounting billing was corrected and paid. Capitol One refuses to correct the record for my account XXXX and continues to report late payments when nothing is due. 

I submitted a written request by Certified Mail to Capitol One for the lack of current billing and account information provided by Capital One and they should have made the correction to remove the negative record last XXXX and they still have not done so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-09
Company: Experian Information Solutions Inc.
State: CA
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:
The 3 major credit reporting agencies ; XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian, XXXX. XXXX XXXX XXXX TX XXXX RE : Total and permanent XXXX. 
Im requesting that these reporting agencies remove this as a negative on 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 explanation
Consumer complaint received 2022-10-05
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
All alleged " loans '' are closed at signing stop violating consumer rights violating UCC and USC laws and the Treaty of Peace and Friendship 1787/ 1836 of which im a party to. NAVY FEDERAL CREDIT UNION and Agents have received due process of my dispute and have defaulted already and still have not sent me a Certificate of Satisfaction of which I DEMAND. Unconstitutional practices of these alleged banks that are financial institution are violating natural peoples rights with false and misleading documents and felonious activities of Securitization using misleading documents. We Know we are the original creditors and all alledged debt is generated of the credit of the living consumer signature in thus there is no loan and any installments are to be deposited to the original creditors of which all Corporations are Bankrupt and operating off fraud activity in no way can an alledged Financial institution under USC UCC laws charge a fee for an alleged paper draft called a promissory note. Of which this institution is in willful violation of my rights as a consumer rights and are continuing to violate my rights after i have put them on Notice and they Defaulted and failed to conduct business in a proper way. HJR 192/USC/ USC/U.S . Constitution/ State Decisis case laws/ ( violations ) and Fraud - I demand ( Remedy ) Refund And There Certificate of Participation also Certificate of Satisfaction for any alledged obligation to sent certified mail to a location on file. I am Competent they are acting in Fraud i demand Remedy and they have been Noticed. All Affidavits have been received and all evidence is recorded and ready to proceed. I demand Settlement Setoff Discharge Offset Closure and Remedy Immediately. Stop Coercion and deceit NAVY FEDERAL CREDIT UNION AND AGENTS and attempt at injuring me for enforcing my birth rights in business activity or personally will be recorded and reported for any attempts to hinder coerce deceived or hinder me or any negative activity against me or my estate in reversion will be an willful violation of my rights and is recorded in this complaint against you Agents of NAVY FEDERAL CREDIT UNION and the foreign corporate construct itself. Refund all credits to the account on file Immediately mail all documentation to the location you have on record immediately and send the Certificate of Satisfaction immediately. Remedy is Demanded immediately public and private. I demand NAVY FEDERAL CREDIT UNION and agents to DISCLOSE all credit entries created from the social security number used on this alleged loan account and all information on the private side of the books at this institution involving the social security number in use FULL DISCLOSURE IS DEMANDED. Return all proceeds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: NC
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 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXXXXXX 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
It appears that Bank of America fraudulently opened a checking account in my father 's name. They began charging minimum account fees against the account in the amount of {$12.00} per month. The account appears to have been opened on or about XXXX XXXX. Fees began to be charged against the account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total negative balance of - {$36.00}. 

My father passed away on XXXX. We only discovered the fraudulent account when going through probate procedures. Additionally, we can confirm this was fraudulent because all other accounts unrelated to this account were joint with my mother, this account was created as an independent individual account ; no funds were contributed to the account to prevent the collection of fees ; and my father suffered a XXXX XXXX in XXXX that rendered him XXXX  and XXXX  XXXX  of opening such an account without the assistance of my mother. 

On XXXX we contacted Bank of America regarding this matter and filed a fraud claim at XXXX MST via their fraud line at XXXX. They transferred me to their check fraud department, they then forwarded me back to the fraud department, and then I repeated this process in a loop. We are pending verification to close accounts within 10 business days according to the final associate I spoke with. However, they did place a Hold on the account after being notified of my father 's passing. 

This is in reference to the CFPB 's recent announcement/article on XX/XX/XXXX, " CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ''. 

-https : //www.consumerfinance.govXXXX

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