BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-17
Company: Experian Information Solutions Inc.
State: NJ
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:
On   XX/XX/XXXX   I noticed on my Experian credit report an old account with  XXXX   XXXX  for an auto lease opened in   XX/XX/XXXX   was still reporting as " currently paying '' when the lease was completed and paid in full on   XX/XX/XXXX  . I called   XXXX   on   XX/XX/XXXX   to dispute it and they initiated a request to ask  XXXX   XXXX  to delete the account because the 7 years ( for it to remain on my account ) after it was paid in full in   XX/XX/XXXX   has passed.  XXXX   XXXX  also, from the  XXXX  dispute, updated this account on Experian. On   XX/XX/XXXX  , I noticed on my Experian report no payment history and it listed I had a recent payment of {$550.00}. I paid and fulfilled my lease and this account was closed 8 years ago, so there could be no recent payment nor any credit history since  XX/XX/XXXX . Any help you can provide with this is greatly appreciated.Thank you.

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 2023-01-25
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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 XXXXXX/XX/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 non-monetary relief
Consumer complaint received 2021-09-21
Company: SinglePoint GI
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I DO NOT RECOGNIZE THIS DEBT. I HAVE ASKED THE COMPANY TO PROVIDE ME PROOF OF THIS DEBT BUT THEY ARE NOT ABLE TO PROVIDE ME ANY DOCUMENTS WITH MY SIGNATURE AGREEING THE THIS UNKNOWN DEBT. PLEASE REMOVE!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Upon reviewing my credit report I noticed several Inaccurate addresses and employers listed. I have never lived at any of the addresses I have seen listed on my credit report.

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 2022-04-11
Company: Siwell Inc
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted by Capital Mortgage Services of Texas, my current mortgage holder, in XXXX of XXXX. I was advised that due to interest rates being low, it would be a good idea to look at a possible refinance. After agreeing in XXXX of XXXX to do a refinance to a 20 year term, I would shave a year of my mortgage off and reduce my current monthly mortgage payment by {XXXX}. We got to work in early XXXX on getting them all the required documentation on our part. They required additional items throughout the month that we provided. We signed disclosure statements on several occasions and didnt hear back from them after XX/XX/XXXX til XX/XX/XXXX. We had assumed during this time they were processing the paperwork for closing, but they needed the same documentation that had already been given to them to ensure nothing had changed financially with our situation, which it hadnt. We got them the needed documents and then they informed us that there is a subordination on our mortgage that needed permission to do the refinance. They said this would take 2 weeks to get approved. So they dragged their feet on processing our paperwork and didnt find out about a subordination until 3 months after we started the process. It is now XXXX and rates have gone up and they were only able to lock us in at the lower interest rate for 60 days from the agreed upon time in XXXX. They informed me that it was due to the need of us getting the additional documents that they requested a second time and the subordination approval. I called and spoke with the account representative, XXXX XXXX, who took no ownership of the situation and passed the blame onto the processor and informed me that he would call me back the same day after speaking to his supervisor about the situation after I explained how I believed this to be deceptive practices on their part with interest rates going back up, being able to make more money. I believe they knowingly dragged their feet on processing the paperwork and finding out about the subordination 3 months after starting the process is highly questionable. I have yet to hear back from them after trying to call XXXX XXXX back and leaving him a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023 I sent in letters expressing some items that I am in disagreement with on my credit report. I kindly request that you guys fix the errors on my report

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 2017-05-17
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I currently carry a large balance, over {$13000.00}, on  a US Bank consumer credit card which I h ave had in good standing since  XXXX . Most of the balance owed is on cash advances, which I took in  XXXX  to help fund a business startup. Since  XXXX , m y FICO credit score , which I track meticulously, has increased by more than  XXXX  points and is currently near  XXXX . Despite this, and despite my other credit card companies having lowered my Variable APR significa ntly, US Bank  is charging me 22.74 % on purchases and 24.74 % on cash advances. When I contacted cardmember services to ask if the bank could lower my rate, given the positive change in my credit and length of time I have had the card ( and never once had a 30 day late payment in over 13 years ), I was told by a supervisor,  XXXX , that my APR has been frozen at 22.74 %. What was especially troubling, is that another customer service rep  at US Bank me ntioned earlier in the same phone call that there was an offer to lower my rate on my existing credit card to 19.99 %, told me that I was eligible for it, then retracted and said my APR was frozen at 22.74 %, so the offer would not apply. When I asked for the reason for my APR being frozen at such a high rate, the supervisor said I was sent a letter as to the reason  one ye ar ago ( which I did not recall receiving ). When I asked if he could retrieve a copy of it, he said he could not. He also offered no explanation as to why my APR has been frozen at such a high interest rate, and why it can not be adjusted downward to a lower rate based on my good credit. Meanwhile, as you can see i n the US Bank  Credit Card statements I have attached, the total interest I am being charged is going up each month, even as I pay the balance down.

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 2023-07-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX has claimed that since early XXXX I had an account with them, that they sent me a phone or XXXX, and that service charges accrued on said account. 
However : 1. I never wanted an account with XXXX.

2. I never received any device ( s ) from XXXX. 
3. I never utilized service with XXXX. 

XXXX has NOT produced ANY evidence to contradict my above 3 assertions. 

Despite their lack of any evidence that I owe them anything, they are now using a 3rd collection agency for this matter and my credit rating has fallen from Excellent to Very Good. 

Why don't they trace the alleged phone ( s ) and service charges accrued to find the perpetrator and solve their problem?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
Company: EQUIFAX, INC.
State: NV
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:
It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$0.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Fradulent line of credit was opened under my name for " COMENITYCB/XXXX " on XX/XX/XXXX. In XXXX, {$130.00} was placed on this line of credit. 

I also received a notice of fradulent credit inquiry from " COMENITYCAPITAL/IKEAPC '' on XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aside from being very poorly treated during my stay, In XXXX oXXXX XXXX  my apartment unit at XXXX at XXXX XXXX flooded due to a dishwasher line busting that I was told I was not liable for. No one inspected the apartment after the flooding mold started arising in all areas of the unit. Sewer water was left sitting in my dishwasher that smelled terrible. A company was called out to dry the unit with big fans, they arrived hours later and unfortunately water had already been absorbed into the floor. The vinyl floor began lifting in result to the flooding and this was something that the apartment were well aware of. 
I reached out numerous times in regards to the move out balance they claimed I left owing them more money after keeping the entire deposit. They also claimed I owed a balance at move out which I did not. I paid every cent I owed to them once the keys had been turned in. I asked for details and specifics on the poorly created invoice that was sent and received no phone call back. I also sent a detailed email in regards but No response from cooperate or the office manager falsifying these charges. I hired a legal shield representative that sent out letters to the apartment complex and no responses were ever received back. Now I am seeing the placed it on my credit report as well as to other places such as the housing authorities and this is not accurate or right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Upon reviewing my credit report I noticed several Inaccurate addresses and employers listed. I have never lived at any of the addresses I have seen listed on my credit report.

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 2020-03-15
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a credit monitor alert for things I have no knowledge or applied for. I contacted XXXX XXXX, XXXX, XXXX and AFNI collection company about fraudulent accounts being on my credit report. Someone obtained a phone account with XXXX XXXX XXXX XXXX in the amount of {$290.00} in XXXX of XXXX. It was removed from my credit reports with XXXX XXXX XXXX XXXX XXXX XXXX in XXXX after my complaint and report of identity theft and now the exact same charges of {$290.00} from XXXX XXXX XXXX is back reporting through another collection company called AFNI located in Florida. I want these unauthorized fraudulent accounts to be deleted. I have filed numerous complaints but yet, AFNI and XXXX XXXX XXXX continues to attempt to collect a debt that is not mine and not owed repeatedly putting it back on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX TRANSUNION : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-01-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the XXXX Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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 non-monetary relief
Consumer complaint received 2023-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023 I wrote a check ( out of my XXXXXXXX XXXX account ) to pay my charge card bill to XXXX XXXX for {$1900.00}. On or about XX/XX/2023 I noticed the bill did not show a payment, so I checked my online checking account and noticed the check was cashed, but the payee was changed to a XXXX XXXX XXXX. I then filed a fraud claim with XXXX XXXX, who said I would receive a pending deposit back into my account, within ten days, until fraud department investigated. Once I was found not responsible for the fraud, my pending deposit, would be made good. After many attempts on my part to rectify the situation, I was told on XX/XX/2023 that Bank of America cashed the check on XX/XX/2023, so they are responsible to make good on the check. I was then told XXXX XXXXXXXX gave Bank of America 30 days to reply. As of this date ( XX/XX/2023 ) Bank of America has not contacted XXXX XXXX as to their position in this matter, they keep putting off a request XXXX XXXX sends every 30 days. Not only have I not received a pending deposit from XXXX XXXX, Iam put off every time I check on the status every 30 days. Local police also said they can do nothing at this point.

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 2017-05-17
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My private student loan is currently being serviced with Navient. My interest rates are 13 % and 10.50 %. I ca n't get the loan paid down because the interest rates are so high. Their customer service has been completely un-helpful. When I took out the loan I was completely unaware of how much I was taking out, when it was disbursed or where the money went. I had no idea what the interest rates were or how much the payments would be. The interest rates keep increasing and I do n't know why. I have automatic payments set up and I 've been making my payments on-time for several years. I owe more today than when I graduated 10 years ago. I 've also tried refinancing my loans with a different lender but have been turned down on multiple occasions despite my good credit.     I 've been contacted by a organization called  XXXX   XXXX   XXXX  (  XXXX   ) a nd they have told me that they might be able to get some of my student loans discharged because they feel that there has been some student loan fraud on behalf of  XXXX . They want me to pay them {$950.00} in order to put my student loans into  Administrative Deferment  and investigate using their team of attorneys. I 'm skeptical about using this organization because I do n't know if they are creditable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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.

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