BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-20
Company: ID Analytics, 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:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX 
Report and other furnished XXXX XXXX, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX OH XXXX. I have unknown or fraudulent addresses appearing on my credit report and I am requesting that these items be removed and updated. Please remove the following addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX NUMBER REPORTED PLEASE REMOVED FROM MY REPORT : ( 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 explanation
Consumer complaint received 2021-02-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7800.00}, {$0.00}, {$7200.00}, {$3600.00}, {$1900.00}, {$0.00}, {$3200.00}, {$2100.00}, {$1500.00}, {$4300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3600.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- STUDENT LOANS 7. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

8. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

9. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1500.00} -This is not my account. 

10. U S DEPT OF ED/XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
Hello, I am very stressed out because I have unknown accounts in my profile. I just checked today and I was shocked. This is a mistake or maybe even fraud because I feel that someone could use my personal information. I can not understand how this possible. But I do not want to have fake items in my credit report thus I am asking you to remove it as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Resurgent Capital Services L.P.
State: FL
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:
Dear Credit Bureau, My Name is XXXX XXXX XXXX XXXX, XXXX XXXX and mailing address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. 

This letter is a formal complaint that the following creditors are reporting inaccurate credit information : 1- XXXX XXXX XXXX XXXX XXXX ( LVNV Funding LLC ) 2- XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX XXXX XXXX 3- XXXX XXXX XXXX ( XXXX XXXX XXXX ) DO NOT RECOGNIZE I am very distressed that this company has included the below information in my credit profile, due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on these reporting creditors part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a several credit cards and business loans, which was highly embarrassing and has negatively impacted my lifestyle. 
With the proof I'm attaching to this letter, I'm sure you'll agree it needs to be removed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Nav Technologies, Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In XX/XX/2023 I subscribed to NAV in XXXX I tried to cancel and they took me through XXXX screens that say deactivate and when I confirmed they charged me {$160.00} for the next XXXX  months. 

I tried to contact them and they say they do not do refunds but will give me XXXX of XXXX  months. I paid and used the service for XXXX months all I wanted to do was deactivate my account and now my membership is extended. If I cancel now they keep the money and I lose the service. 

I want a full refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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:
XX/XX/2022, a letter was sent certified mail along with my identification with the correct address, and name. They have yet to remove the information and it is effecting my credit.

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 2023-08-30
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Experian Credit Bureau - XXXX XXXX Credit Report. 
On Wednesday, XX/XX/, I checked my XXXX XXXX Credit Report to discover Experian has NOT updated my XXXX XXXX XXXX report to reflect my current balances on my credit accounts. Without submitting the account number ( s ). One account in the amount of {$39.00} was paid on Thursday, XX/XX/, the account should relect a {$0.00} balance As of Wednesday, XX/XX/, my account continues to show a balance of {$39.00}. 
On another account, I received a credit limit increase but has not been reflected. 
I attempted to contact an Experian Representative to discuss the issue, but the Experian phone : XXXX XXXX XXXX rang busy 3 times, and I will NOT waste my time calling back. 
Experian has for what ever reason, has NOT updated my XXXX XXXX Credit Report powered by Experian, and I want it Corrected!!!!!!

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 2023-10-04
Company: LEXISNEXIS
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I am writing to file a formal complaint against LexisNexis regarding inaccuracies in my credit report. On XX/XX/2023, I submitted a dispute letter to LexisNexis highlighting two significant issues : Incorrect Personal Information : My credit report contains incorrect personal information that does not accurately represent me. 

Inaccurate Public Record : There is a public record listed under the name " XXXX, XXXX. '' This name is not the correct spelling of my name, and the information associated with this record is inaccurate. 

I have made every effort to rectify these issues with LexisNexis, but to date, no action has been taken to correct the inaccuracies. According to the Fair Credit Reporting Act ( FCRA ), it is imperative that credit reporting agencies maintain accurate and up-to-date information. The inaccuracies in my credit report are not only damaging to my financial standing but also a clear violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TD BANK US HOLDING COMPANY
State: FL
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX violated permissable purpose of consumer reports a direct violation of FCRA 15 USC 1681 on my transunion credit file XXXX XXXX XXXX XXXX XXXX is reporting a late on XX/XX/21 on account XXXX which is a direct violation of the law under FCRA 15 USC 1681

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 2020-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have tried repeatedly to get them to give me the information on these collections accounts on my credit report. I have asked them to verify the items listed. ( Credit Bureaus ) All three credit bureaus claimed they have. Since XX/XX/2020 I have been calling and mailing all three trying to get the information on my reports correct. I have been met with rude agents from all three bureaus and non response from all three concerning my letters and calls.

I have sent letters to the collection Companies asking them to give me the information regarding the accounts and they have failed to do so for two months now. So HOW is the accounts getting verified by the credit bureaus? Since my disputes started all accounts listed have been closed on my credit report because the companies can not verify the debit .. I want them removed from my credit reports because if the collections companies can't respond to me with 60 days then how are the credit bureaus verifing the information? Why close all the accounts if they verified them? Closing them is not enough!!! I want them removed!!!

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately.

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 2023-10-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I scheduled my XX/XX/2023 mortgage payment ( {$1600.00} ) with Select Portfolio to be deducted from my XXXX checking account on XX/XX/2023. However, instead of deducting this payment eight days later as scheduled, Select Portfolio deducted {$1600.00} from my XXXX checking account on the next day XX/XX/2023. On XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account AGAIN. And on XX/XX/2023 Select Portfolio deducted {$1600.00} from my XXXX checking account again. Thus, in the month of XX/XX/2023, Select Portfolio has deducted 3 payments for my XXXX mortgage payment, totaling {$4800.00}. I have contacted Select Portfolio continuously over the past 2 weeks and they maintain they are looking into it. Meanwhile my checking account is negative and other payments ( bills ) are being returned and I am being charged XXXX NSF fees ( {$34.00} x XXXX fees = {$230.00} ). I am also without much needed funds for daily living as my checking account remains negative due to Select Portfolio 's internal accounting errors. My car note is also late due to this banking error ( {$65.00} late fee ). I am requesting that all late fees and penalties resulting from Select Portfolio 's erroneous and unscheduled deductions be reimbursed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Convergent, XXXX XXXX XXXX, Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-12
Company: DISCOVER BANK
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I suspect Discover student loans are making it difficult for consumers to log in to their accounts as my account never remembers my password, and I need to go through the entire " forget password '' process to regain access to my account. I called a representative a while ago about this and was suggested to change/update my browser but that did not help. I have a password manager that tracks my password but it still does not remember my account, I've even logged out and then tried getting back in a minute later and the system does not remember me. 

This may be far-fetched but if the company is making it more difficult for their consumers to access their accounts then some people may not log in and begin the repayment process or are less likely to review their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase closed my account without any warning or notice. When I called them they told me they sent out a notice in the mail ; which is absurd because all my communication is set to paperless ( all statements and notices ). I recently moved so I have not been getting all my paper mail, and since I had set all my communication to paperless, I was not expecting to receive anything in the mail either. 

Apparently, my closed was closed due to a returned payment because I had entered an incorrect account number. If I had been notified, I could have fixed it but Chase decided to close all three of my credit card accounts which have adversely affected my score quite a bit, and my ability to apply for a new card.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
My direct deposit has not posted. I have two deposits, one for {$1900.00} and the other in my spouses name for {$1200.00} which are not available. The deposits were suppose to be settled on XX/XX/2018. Netspend, in partnership with XXXX, is holding my funds. I've supplied both companies with the tracer number to track the transfer and they will not give me a confirmed date on when my funds will be available in my account. They stated that the federal reserve did not send a file which is causing a delay in the transfer. Furthermore, I am aware that this is currently effecting a large number of Netspend customer 's. They are blaming the problem on a technical glitch with no ETA.

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 2023-11-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Kindly examine the enclosed documents. I am urging the bureau to commence an investigation into these accounts where I have always been on time, but they are erroneously marking me as late.

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 2021-03-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been trying to get copies of all checks written from XXXX since XX/XX/XXXX with this bank. Have they lost them? Why are they hiding the fact they lost them? I have gotten every item except what I have asked for. I was told I would be sent the information via email on XX/XX/XXXX from XXXX XXXX in XXXX XXXX. I have left him various messages and no response from him or the bank. I just got 5 large envelopes with statements from various accounts from various dates in no such order and no type of response from the bank. Where are copies of my checks from XXXX for account XXXX! I have now asked several times and filed several complaints with several regulators why is no-one holding BoA accountable for the files they lost. They are not XXXX years old and I should have access to them.

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 2020-01-31
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my mortgage was purchased by Fifth Third Bank from XXXX XXXX. Taxes & Insurance were escrowed. In XX/XX/XXXX Fifth Third Bank failed to pay the Homeowner 's Insurance premium. Efforts by myself & XXXX  XXXX XXXX failed to extract payment from Fifth Third Bank. XX/XX/XXXX my insurance was cancelled for non-payment. Payment was made late ; XXXX   XXXX reinstated the policy without lapse. Since cancellation, Fifth Third Bank has harassed and threatened me over providing proof of insurance for the lapsed period. In XX/XX/XXXX Fifth Third Bank notified me they had purchased a " Forced Placed '' insurance policy on their behalf from XXXX XXXX XXXX XXXX in the amount of {$2200.00}. Funds were taken from escrow for this purchase, creating an escrow shortage, and creating an increase in monthly mortgage payment. Payment already made was not applied, my account was placed in past due status, additional funds have been demanded, and I am threatened with foreclosure. Despite all efforts to get a response from Fifth Third Bank, they have ignored my phone calls, emails, and complaints filed with state agencies and government representatives. They are insulated from consequences of their bad acts, from their fiduciary responsibility failures, and from the stress, anxiety, and fear they have visited upon this XXXX year old retired veteran with a son in XXXX whose home-of-record is this house. Fifth Third Bank needs a trip to the woodshed.

Company response to consumer: Closed with explanation