BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-20
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.

15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.

15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

Section 812 - It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-10-15
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
IT HAS COME TO MY ATTENTION THAT XXXX OF YOUR ACCOUNT HOLDERS SOLD MY PROPERTY TO ME IN XX/XX/XXXX THE HOUSE THAT I HAVE BEEN LIVING IN SINCE XXXX FOR THE PRICE OF {$30000.00}. HE HAS INFORMATION ABOUT MY RESIDENCE. AND BACK IN XXXX {$30000.00} WAS ADDED TO MY MORTGAGE AND THE SAME AMOUNT OF FUNDS WAS ADDED TO HIS ASSETS ACCOUNT. I WILL NOT GIVE HIS FULL NAME BUT I WILL SAY HIS LAST NAME, I WILL GIVE HIS FULL NAME TO THE CFPB XXXX. I HAVE DOCUMENTS THAT WILL SHOW THAT HE TOOK OUT XXXX OF MY HOME WHEN I KNEW I HAD NONE AT ALL. HIS LAST NAME IS XXXX AND HIS ACCOUNT IS CONNECTED TO TRUIST BANK. AND {$28000.00} WAS TAKEN OUT ON A XXXX OF MY HOME. LOANS HAVE BEEN TAKEN OUT. THE ORIGINAL LOAN BALANCE IN XXXX WAS {$160000.00} WHICH WAS ( XXXX ) AND {$28000.00} WAS FOR LOAN ( XXXX ). I DO NOT REMEMBER TAKING OUT ANY LOANS FOR MY HOME. I KNOW BOTH WERE ADDED TO THE PRINCIPAL OF MY HOME. THE DOCUMENT I HAVE TO SAY THAT IT WAS NEW MONEY AS A MODIFICATION AND THE SIGNATURES WERE FORGED ON THE DOCUMENT. THE MARKS LOOK AS IF THEY WERE ERASED OR SOME WHITEOUT WAS APPLIED AND THEN MARKED AGAIN, IT WAS ALSO STAMPED BY A NOTARY IN SOUTH CAROLINA. THE MARKINGS ARE NOT OF MY DOING. THE DOCUMENT THAT I WILL SEND TO CFPB DOES HAVE HIS FULL NAME ON THE VERIFICATION. I CAN VERY WELL SEE, MYSELF GETTING A TEXT FROM THE STORYTELLER SAYING WE DO NOT KNOW OF ANY XXXX, XXXX XXXX RECORDS DO INDEED.ALL THIS FROM XXXX TO 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 2022-10-03
Company: Experian Information Solutions Inc.
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:
My name is XXXX XXXX and I am a federally protected consumer. According to the Fair Credit Reporting Act 15 U.S. Code 1681, consumer reporting agencies have a vital role in assembling and evaluating consumer credit and other information on consumers. Reasonable procedures of fairness and accuracy equitable to the consumer. Proper investigations and verification are to be done BEFORE furnishing any information to my consumer report. I have incurred GREAT damage to my person and financial injury. 
You are hereby notified, pursuant to UCC 1-202f. Your prompt attention and response is both requested and required.

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 2021-12-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried to dispute this information. I have asked for documents and procedures used to prove that this debt belongs to me. As a consumer I do not owe any debt. The reporting of this account is hurting my credit score. this violates 15 USC 1681G, UCC 9-611-613. Please have this account removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions Inc.
State: TX
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-07-31
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting that the CFPB take a look at the excessive fees that are being charged by XXXX ( Lakeview Mortgage ). I have been behind on my mortgage for the last 6 months and I have been charged over {$45.00} a month for a late fee. This is abusive and excessive. If someone is struggling to pay their mortgage, why would they charge a borrower excessive fees which contribute to individuals falling further behind. I made a mortgage payment in XXXX but I was short by only XXXX dollars, yet I was charged a late fee and a return item fee of {$25.00}. 

Almost {$100.00} being charged to me as a borrower. When I tried to apply for mortgage assistance online, the XXXXLakeview website freezes. I think their website doesn't work on purpose. I had to make the last payment by phone due to the ineffective website. 

Please cap these excessive fees from XXXX/Lakeview. They are raking in record profits and the consumer is hurting. The economy is only getting worse and there is no one there to help the low and moderate income Americans.

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 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to Bank of America for XXXX dollars after logging in on their website at : https : //billpay-ui.bankofamerica.com/imm/PaymentCenter/Index/8404. 
Bank of America says there is no such account, has received the money and says there is nothing they can do. Bank of America has committed fraud by placing a fake account to receive payments and the denying payment was received.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 explanation
Consumer complaint received 2023-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 2023-06-27
Company: Experian Information Solutions Inc.
State: WI
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:
I have contacted Experian on numerous occasions and sent them dispute after dispute in regards to the following non authorized inquires XXXX XXXX requested on XX/XX/XXXX XXXX requested on XX/XX/XXXX XXXX XXXX requested on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX also they have my address incorrect it is XXXX XXXX XXXX  XXXX, WI XXXX not XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, WI XXXX XXXX Experian Attn : Consumer Relations XXXX XXXX XXXX XXXX XXXX TX XXXX To Whom This May Concern, I am writing to request the removal of unauthorized credit inquiries on my Experian credit report. My latest credit report shows 4 credit inquiries that I did not authorize. I have inquiries that need to be removed, they are fraudulent and I dont recognize them. I noticed unauthorized inquiries on my credit report and I noticed that someone must have applied for something in my name. I have sent several disputes to remove these hard inquiries, they are fraudulent and I want you to get them removed. Due to the Fair Care Reporting Act legally these unverify and unauthorized items must be removed. I dont know why you havent received these letters and I dont know why you havent received my notification, but I am telling you right now that they are not mine and they need to be removed right now. 
At this time, I am requesting that you launch an investigation into the inquiries by all creditors listed on my inquiry page to determine who authorized it. If you find that my claim is true and the inquiry is invalid, I am requesting that it be removed from my credit report and an updated copy of my credit report be sent to the address listed above upon resolution of the investigation. If you find that the inquiry is valid, please send me proof along with a description of your investigation procedures within 30 days of the closure of this dispute. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items 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 non-monetary relief
Consumer complaint received 2019-01-04
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am currently in a Rate reduction plan but it is still too expensive and navient was unable to include all my loans in the plan. They are very confusing and made me say yes to this new rate reduction plan. I feel that they have misled me numerous times.

At one point a supervisor named XXXX XXXX stated if I submitted bank statement in XX/XX/2016 then my lifetime interest rate for all my loans would be 1 % this information was never told to me then specifically otherwise I would have tried to make that work. 

I wish Navient can be investigated further regarding my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-23
Company: EQUIFAX, INC.
State: NY
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:
AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT IT IS NOW XX/XX/XXXX AND THEZE FRAUDULENT ACCOUNT IS STILL ON MY REPORT! 

PERSONAL NOTE '' THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE BUREAUS AND COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! 

XXXX 3 LATE PAYMENTS Credit usage 100 % Balance {$570.00} Balance updated XX/XX/XXXX Credit limit {$350.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving account Status 90 days past due Status updated XX/XX/XXXX Past due amount {$100.00} Highest balance $ XXXX  Monthly payment {$29.00} Contact info Address XXXX XXXX XXXX XXXX, OH XXXX Phone number None provided THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT DATE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: Bryant, Hodge & Associates LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Bryant Hodges Associates keeps call my phone trying to get money over the phone nothing ever mailed to me or nothing telling me I owe them money and just playing phone games. I have also filed with the US Attorney office on Bryant Hodges Associates

Company response to consumer: Untimely response
Consumer complaint received 2022-06-10
Company: Ocwen Financial Corporation
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This goes with my earlier complaint XXXX. PHH Mortgage services has hit my XX/XX/XXXX and XXXX but i missed the calls because i was at the hospial with my father. I called them back on XX/XX/XXXX to see why they were trying to contact me only to get told there is nothing noted on my file and they have no knowledge of anyone trying to contact me. Hopefully you can help me find out the reason they were calling my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-01-03
Company: FIRST MERCHANTS CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Opened checking account online in XXXX of 2022. I was dissatisfied with the customer service and other aspects of the bank, so I decided to close. Multiple representatives refuse to close the account over the phone or online, saying I needed to visit a branch. There is not a branch close enough to me to get to during open hours, as I am at work nearly all of their open hours ( I specifically wanted a bank account with online and after-hours services ). The representatives informed me that despite this, I must go in-person during branch hours to close even though the account was at zero and I had opened it online. They also refused to downgrade the account to a fee-free version. I continued to pay the $ XXXX fee for an account I did not use and did not want, but got quite fed up with this after 6 months of no resolution. 
After two months of me refusing to pay the fees, they continued to charge the fees to the empty account anyway, and they have apparently found a way to finally close it without me visiting a branch ( which is what I had been requesting all along ). They have put a negative report on my banking record, though, and still demand the last fees I refused to pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX {$0.00} XXXX {$14000.00} XXXX XXXX XXXX {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: NATIONSTAR MORTGAGE LLC
State: TX
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 two times to get ALS/XXXX XXXX XXXX XXXX to correct my payment history which shows the following incorrect status : XX/XX/XXXX - 180 XX/XX/XXXX - FS The home with which this loan was associated sold on XX/XX/XXXX. As part of my attempt to resolve the incorrect payment history, I sent copies of the settlement statement and the XXXX I received from them showing the date of disposition. Despite the above, no change to my payment history has been made. I also had a second with XXXX XXXX on the same property and that history is accurate.

Company response to consumer: Closed with explanation