BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-05
Company: Diversified Consultants, Inc.
State: IL
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 a victim of ID Theft and have already notified my local police department and have a fraud alert setup on all 3 credit bureaus ( XXXX, XXXX and XXXX ). I monitor my credit daily and have all supporting documents supporting my ID Theft. XX/XX/2018 I received a collection letter from XXXX  stating I had an outstanding debt with XXXX XXXX XXXX XXXX XXXX for {$100.00}. I immediately in writing notified XXXX via certified, return receipt mail of my ID Theft and sent over Police report, FTC ID Theft report and request for Validation of this said account. I have never opened an account nor have I given anyone permission to open any accounts with XXXX XXXX XXXX. I received proof back that XXXX received my request but never received anything else from them showing they could even validate this account. Fast Forward to todayXX/XX/XXXX I received an alert from my XXXX credit report that a collection account was added by Diversified Consultant. So here 's where the problem lies. Number 1 I'm going to assume that Diversified Consultant purchased a fraudulent debt account from XXXX and or XXXX XXXX XXXX who knew this account was due to ID Theft and who never responded to my request for Validation. Number 2 Diversified Consultant has not one time contacted me in regards to this XXXX XXXX XXXX  account via mail or phone because if they had, then they would've been notified in writing via certified mail that this XXXX XXXX XXXX account is due to ID Theft and to send me all Validation pertaining to this account. That never happened and I was never notified by anyone from Diversified Consultant. Diversified Consultant has seriously violated FCRA rules by throwing this inaccurate, fraudulent account on my credit report without contacting me first and giving me written notice that they had bought this fraudulent debt and allowing me 30 days to dispute said debt due to ID Theft. Then I would've been allowed another 30 days to received whatever Validation they had and then go from there. So with that being said I have already filed a complaint against Diversified Consultant with Consumer Finance Protection Bureau, now with XXXX and next the Illinois State Attorney General. Diversified Consultant never sent me any written notice of said debt nor allowed me time to dispute it. This account needs to be removed off my credit immediately or I will be seeking legal action against Diversified Consultant and will sue them to the full extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-27
Company: Experian Information Solutions Inc.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-03
Company: Experian Information Solutions Inc.
State: NV
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
My problem is with Experian unfair credit scoring practices! I complain about this in 2019 and it has only gotten worst since that complaint!! My problem is I pay off my bills every month on time and I keep my credit card spending below 15 %! But Experian will take my credit score down 15 to 25 points in one day when I use my credit cards!! Why? Its like I am punished for using my cards!! And 25 points in a month is ridiculous for a credit score drop if I don't have any collections or derogatory marks on my credit report!! Why does this keep happening?? I can see my score dropping two to three points but 25 points?? It seems very unfair that when my credit gets to XXXX their seems to be any reason to drop it and keep it below that XXXX score!! It has to be purposely done!! 25 point drop is unheard of for a credit report with no derogatory marks and a exceptional credit history don't you think?? 
I am not even using 15 % of my credit limit when I use my cards!! And i am getting my score drop 15 to 25 points??? Come on you know that is unfair!! My credit score seems to only go up if I do not use my credit card and it takes forever for that to happen!! But as soon as i use one of them, its like they can not wait to drop my credit score for using my cards????? Why is that happening? Please explain?? 

And its like every time i complain about it, it only gets worst!! Why does this keep happening?? I am enclosing a up to date copy of my credit repost so you can see for yourself! 
And please don't get upset at the complaint!! Just fix the problem because if it was happening to you, you would not like it now would you?? Just remember that you reap what you sow and XXXX doesn't like ugly

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 2023-06-15
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-04-02
Company: EQUIFAX, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. 
To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the equifax data preach and may nave gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

This account is not mine and should be removed off of my credit report immediately I dont know where it came from. I dont understand it and it is in clear violation of my credit reporting act rights. This is an accurate it is an authorized and it should be removed immediately. It is also put on my report without my written consent or knowledge this is a Fraud unauthorized transaction an authorized account. It needs to be removed 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 2020-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
It started on XX/XX/2020 I arrived on vacation with my family at XXXX used my debit cards fine, but by XXXX than evening I had a " {$880000.00} '' hold on my account. I call that evening, no one know nothing. 
Woke up the next morning a Friday, called all day no one still knew nothing. I was forwarded to a recording that says the account was hold for my protection and was not in danger of closing. 
Called all day Saturday, was forwarded again to all departments no one knew nothing again.. But meanwhile my family and i can't eat or drink because I have no money .... 
Called Monday nothing again, Called Tuesday nothing but ... XXXX Now my online access is gone and my account is closing because of fraud! No phone call, no email, Nothing! I am without money, food and my family will not be having a XXXX XXXX. 
Bank Of America needs to stop as they are playing with people lives.

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 2021-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 

To Delete any and all accounts that do not have Verifiable physical proof including the ones below : XXXX XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card XXXX  XXXX XXXX - Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Unsecured Loan

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 2023-06-29
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:
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 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 2023-04-11
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Mortgage loan XXXX had resigned from Citizen Bank in XX/XX/XXXX after that there is no connect with Citizens Bank being high value loan customer. 

From XX/XX/XXXX I am being sending emails asking for extension of loan due to builder delays and also asking to know my loan XXXX, a concern on releasing additional amount to builder with out information and closure formalities. 

I sent emails on XX/XX/XXXX, XXXX, XXXX, XXXX asking/seeking help. 

I raised a complaint about my issue through loan account and there is no response. 

I have called several times to number XXXX XXXX, XXXX and most of the time the calls will get disconnected as soon as agent comes available after XXXX minutes of waiting. Or I get circulated to different departments. 

I even chatted with live agent and explained my problem, they finally asked me to go through the ph numbers listed. 

However, I see quick responses and phone calls between loan disbursement person and builder. 

My experience with Citizen Bank Mortgage loan department is really horrific and nightmare after the best person left the company in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-05
Company: AES/PHEAA
State: NH
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Since graduating school I have been on the PAYE plan. I learned recently while I was going through the process for re-certification this year that in 2017, interest was inappropriately capitalized to the principal balance of my loans. I remember in 2017 having issues and spending hours on the phone on multiple occasions in order for them to correct their mistakes. It was my understanding that they had corrected everything, and I've only learned now that they never fixed it. 

XXXX XXXX failed to properly process my re-certification paperwork in 2017. They sent me a letter saying that my plan would revert back to the standard payment plan because I had not submitted the required paperwork and interest would be capitalized. I immediately called them to address the issue because I had mailed all the required paperwork a month earlier. Over the phone, after initially denying receiving my paperwork, they eventually admitted they " found '' my paperwork and agreed to not move back to the standard plan and put me on a forbearance until they could process the paperwork. I did not have to resubmit new paperwork, because in fact they had it. This was their mistake in the first place for not processing it. They assured me interest would not be capitalized. Although I did not want to be put on a forbearance because it meant I was unable to make qualifying payments towards my repayment plan, I decided not to start a fight or anything because it wasn't worth my energy at the time. 

Then a few months later, they failed to process my direct debit payment information properly. After reaching out to them with a question regarding my direct debit, I received another communication that they had approved a forbearance request and would capitalize interest as a result of the general administrative forbearance. I again immediately called for them to fix this and again they agreed they had made a mistake and would not put me on a forbearance or charge me interest. I believe this resolved the issue and that interested had not been charged or capitalized for the second issue. 

I only now learned that in fact they did charge and capitalize the interest on my loans with regards to their initial failure to process my re-certification paperwork. This has resulted in incorrect payment and interest calculations over the last 2 years and will continue to cost me money in long-term as they continue to charge interest on the inappropriately inflated principal balances. 

Unfortunately, the XXXX XXXX online messaging inbox does not allow me to access documents from this time period and they have not provided me copies of any of my account documents, but I have attached the emails I received notifying me of new documents in order to show a timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: JPMORGAN CHASE & CO.
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have tried on numerous occasions to learn why Chase Mortgage charged me over {$500.00} and passed this fee on to the new mortgage servicer, XXXX XXXX. I have asked on numerous occasions for documents as to why they felt they could charge me this ridiculous fee without my permission. I have asked for documentation of something showing I authorized them to charge this fee. They have not provided this to me. Someone named, XXXX XXXX, sent me a letter dated XX/XX/2020 saying the Note or Security Instrument signed at closing gives them permission to protect their interest in the property if the account is past due. 

- First - the account has NEVER been past due - Secondly - I asked for this document they say I signed and to date they have not provided it to me. 

What's at stake right now is I have been paying extra on my mortgage every month, but the current servicer has applied this money to the fee that Chase Mortgage erroneously assessed to my account. Now my amortization schedule is off and I will end up paying more interest than I had planned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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