BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX OR XXXX XXXX XXXX XXXX SHOWS ME AS HAVING OPENED AN ACCOUNT WITH THEM IN XXXX OF XXXX. I HAVE BEEN FIGHTING WITH THE THREE CREDIT BUREAUS TO GET IT REMOVED AND THE PROTECT THE BUSINESS SAYING ITS MY ACCOUNT. I HAVE FOUND A GUY NAMED XXXX XXXX FROM XXXX XXXX XXXX IS FROM SHOWED UP ON XXXX XXXX XXXX SEARCHES FROM XXXX. XXXX XXXX DOB IS XXXX XX/XX/XXXX SOCIAL SECURITY NUMBER LAST FOUR ARE XXXX IRONICALLY THE SAME AS MINE. HE IS FROM XXXX TEXAS ZIP CODE XXXX AND LAST XXXX OF HIS DL IS XXXX. IT SAYS HE WASINVOLVED WITH XXXX XXXX BREACH WHICH OCCURRED XXXX OF XXXX IRONICALLY THE SAME TIME THE ACCOUNT WAS OPENED BUT THE THRE CREDIT COMPANIES AGAIN TAKE THE WORD OF THE BUSINESS INSTEAD OF TGE CONSUMER. XXXX PHONE NUMBER IS XXXX. AS MUCH AS I HAVE DISPUTED THIS WITH THE BIG THREE AND TGEM SIDING WITH THE COMPANY THIS SHOWS TGE CONSUMER HAS TO DO HIS ON RESEARCH TO PROVE THE TRUTH AND GET YOUR CREDIT REPORT COEANED UP.

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 2021-09-02
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Amazing how if I PAY experian {$19.00} a month, I can freeze my credit bureau with the click of a button but if I don't want to pay, now they suddently " can't verify me '' and I have to mail, yes MAIL, a letter ( those are still a thing? ) with my driver 's license, my birth certificate, a utility bill, AND a W2??? But if I pay {$19.00}, suddenly, they don't need those things anymore. Hmmm, seems a little corrupt, don't you think?

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 2019-02-11
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/XXXX90 days late as of XX/XX/2019 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me. 

I also have been making my regular payments on this account. When i call in and make my payments no one has Ever told me that i was late or had a balance past due. If they simply told me this i could have made the payments to get the account current. how is it legal to NOT tell a customer " Hey XXXX by the way you even if you make the minimum payment you are still behind ''. It would be that simple ... .This is UNACCEPTABLE

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 2023-01-23
Company: Brock & Scott, PLLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Brock and Scott, PLLC has no contract with XXXX XXXX XXXX XXXX, now XXXX, XXXX. The company claims to be some sort of representation of XXXX XXXX XXXX XXXX XXXX, who the affiant also has no contract with. This company is XXXX  and maybe in possession of intellectual property. A surplus has been created in the name of XXXX XXXX XXXX XXXX. I demand that this estate property be returned to the trust immediately. I have reported this company to the XXXX XXXX XXXX of the Internal Revenue Service for unauthorized use of non-public personal information without expressed authorization. Attached is XXXX XXXX XXXX XXXX XXXX default. The affiant is not indebted to anyone. All debt obligations are of the United States per 18 U.S.C. 8, 12 U.S.C. 411, 31 U.S.C. 3123, 46 U.S.C. 53705, etc al.. 
This company has furnished deceptive forms to a consumer/natural person. XXXX is coming from a debt collector and the communication is false and misleading. I do not choose to contract with any of these debt collectors. I demand that all estate property be released immediately. This is not a request. If terms and conditions are not met within XXXX business days, a federal lawsuit will be commenced against these criminals for violation of the Civil Rights Act of 1866, Truth in Lending, and Fair Debt Collection Practice Act. 
Please keep in mind that any implication that communication is coming from an attorney is false and misleading pursuant to the FDCPA. XXXX XXXX XXXX XXXX XXXX has acquired a debt and has agreed by silence to the debt. This debt will be considered a bad debt and will be collected upon the rule XXXX with the Internal Revenue Service. 
What these XXXX companies are doing is Identity theft. This is illegal and the XXXX XXXX will apply to such criminals as well. 
PLEASE SEE ALL ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: U.S. BANCORP
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 my wife and I decided to buy a puppy, we paid {$700.00} US for it and gave them the info to where we would meet them and never received any follow up phone calls or messages or emails, we never received the pet we paid for and followed up with US Bank who proceeded to tell us they wouldnt pursue it or help us at all and denied the claim we made with them and to file a police report with Local Authorities. We sent the money from our US Bank Account through the App they have that supports XXXX and after that we never seen anything from the seller. The names we were given from the seller was XXXX but the XXXX name was XXXX XXXX and XXXX XXXX, the email they used was 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 2022-04-05
Company: EQUIFAX, INC.
State: OH
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:
I am, XXXX XXXX XXXX, a natural-born life breathing consumer submitting this complaint to EQUIFAX and there is no third party involved. EQUIFAX has violated 15 U.S. Code 1681b ( 2 ) by furnishing these inaccurate items on my consumer credit report WITHOUT MY WRITTEN INSTRUCTIONS OF I, THE NATURAL-BORN CONSUMER. I DEMAND REMOVAL/DELETION effective immediately and I DEMAND A COPY OF MY WRITTEN INSTRUCTIONS WITH A WET SIGNATURE. These items are inaccurate and different among all three credit reporting agencies. ( EXHIBITS PROVIDED ) I ALSO, DEMAND THE EQUIFAX VERIFICATION METHOD. WITHOUT RECOURSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: Experian Information Solutions Inc.
State: CO
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX  - XXXX - Please remove it from my credit reportplease investigate the history reported on this account it is absolutely inaccurate please update the account as paid a agreed I have attached a copy of my report with the accounts in question HighlightedDelete account for failure to perform an investigation per fcra regulationDelete account for failure to perform an investigation per fcra regulation XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX  XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report EXPERIAN XXXX XXXX XXXX XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - Did not consent to unauthorized inquiry- This inquiry was not authorized please remove this from 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 2021-05-18
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am not the insurance policy holder that was my ex husband. I have no knowledge of this bill or any notification of ever having a bill. Further more it was ruled that this is now his debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: WELLS FARGO & COMPANY
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Hi, on XX/XX/XXXX my mobile login was compromised. I reported this issue on XX/XX/XXXX to a Wells Fargo fraud representative. I was not held liable for the unauthorized activity and my account was re-instated. Today XX/XX/XXXX my card was not working for available funds in my account. I call fraud department and they told me the block ( to confirm my attempted charge ) was removed off my account and that it was active. I had 3 more instances of calling in to unlock my card in which I had no success resolving that. It wasnt until a rep finally told me I had an additional block that required loss and prevention to remove. Upon calling loss and prevention on XX/XX/XXXX I was greeted by a very XXXX  rep who deflected my integrity and told me that I never spoke to a fraud department rep about reinstating my account for the unauthorized activity that took place. She continued to get louder and louder as I stayed calm asking for her to check any possibly notations. The rep then replied to me nope nope nope you did not even speak to anyone. This is deflecting my literal experience as a wells Fargo customer, as I DID speak with a representative who assured me my account was reinstated and active with no blocks. She continued to tell me that I never spoke to anyone in the past, even though all calls are recorded and notated. I am stuck with a restricted account with no explanations for why I can not access my funds and why my account is still restricted for unauthorized activity I shouldnt be liable for. I am unsatisfied with the unprofessionalism and arrogant attitude from the loss and prevention rep I spoke with.

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 2023-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Account Holder held a credit card account with Bank of America, Bank. As part of the billing agreement, Account Holder enrolled in the autopay feature, which authorized Bank to deduct the monthly payment due from Account Holders bank account automatically. In XXXX, Bank erroneously billed Account Holder an amount greater than the actual balance Account Holder owed. Specifically, the autopay deduction exceeded the correct amount by approximately {$390.00}. This overbilling resulted in a negative credit balance in Account Holders account. Upon discovering the overbilling, Account Holder immediately contacted Bank on XXXX separate occasions, specifically on XX/XX/23, XX/XX/23, and XX/XX/23, via Bank customer support phone line accessed through Bank mobile app. During each interaction, Account Holder informed the Bank representatives about the discrepancy and requested a refund of the excess amount and to close the account. Account Holder provided all the necessary information requested by the representatives and cooperated fully in resolving the matter promptly. Despite Account Holders repeated attempts to rectify the issue and the assurance given by the Bank representatives, Account Holders money has not been refunded to date. The delay in reimbursing the overpayment has caused undue inconvenience and financial hardship. In light of the above circumstances, Account Holder believes it is evident that Bank is liable for the outstanding debt owed to Account Holder, in addition to interest. 

NOTE : Attachments include account statement and call logs.

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 2020-02-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have contacted Navient, and previously XXXX  ( I think ), several times concerning loan forgiveness as a XXXX  in a low income, high needs XXXX for over 5 years of service. I was told several three or four times I would be forgiven XXXX dollars for sending in the paperwork over the phone. After the initial application, I received a denial letter for XXXX for the XXXX instead of the XXXX XXXX portion. When I called, they intimated my loan does not qualify for the XXXX. I inquired about he XXXX and they said it did not qualify for that either. After completing research again and looking into my Spousal consolidation, I called back to find out what I could do and why it didn't qualify for forgiveness. I was then told it did qualify and I needed to resend the paperwork in and it would remove me from the loan and leave only my Ex-Wife 's portion. After re-obtaining the paperwork, I called to find out where to send it, as I was super excited to be done with my half after getting " the run-around '', I was told my loans didn't qualify. I then asked how to get a copy of the transcripts from the call for evidence of what I was told in the conversation, which was not honored. I wrote an inquiry letter to the transcripts department and received a response stating I would have to subpoena the information in order to receive a copy of the transcripts ( XX/XX/2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: EQUIFAX, INC.
State: GA
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:
GOOD AFTERNOON, I WOULD LIKE TO EXPRESS AN IMMENSE AMOUNT OF CONCERN REGARDING THE XXXX VACATION ACCOUNT THAT IS CURRENTLY REPORTING ON MY CREDIT REPORTS : EQUIFAX AND XXXX. I HAVE ATTEMPTED ON SEVERAL OCCASIONS TO RECTIFY THIS ERROR SINCE XXXX OF 2020. NOTHING HAD BEEN DONE BY NEITHER CREDIT BUREAUS, NO ACTION HAS TAKEN PLACE TO THIS MATTER. I DEMAND TO KNOW WHY THEY HAVEN'T BEEN ABLE TO REMOVE THE NEGATIVE ACCOUNT, I HAVE NOT RECEIVED ANY RESPONSE FROM THEM EITHER. PLEASE HELP ME WITH THIS MATTER IN ORDER TO RESOLVE THIS ISSUE ... .I GREATLY APPRECIATE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-20
Company: National Credit Services, Inc.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I receive a letter in the mail XXXX XXXX about my student loans. The letter is dated for XX/XX/2017. The letter stated that I have 60 days from that date to respond and set up payments arrangements. I called the XXXX Department of education to try and set up payments but was told my load have been summited to the creditors : XXXX XXXX XXXX. I called and called several times to try and get in contact with them. Every time I call I wait and wait than I hear a number pressed and no one says anything and than the phone disconnect. I just wanted to set up my payments arrangements with them so this issue can be resolve. My total balance is XXXX XXXX XXXX XXXX XXXX number is : XXXX XXXX XXXX XXXX number is : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
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:
I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX  XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported 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 2020-12-19
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: Was not notified of investigation status or results

Complaint:
I am writing to dispute the XXXX XXXX XXXX XXXX # XXXX in my file : This account has been in my report since I started working closely on improving my credit score. I was honestly surprised that this kept on reporting inaccurately in my credit report. I can not track any more how many times I have disputed this account. Now, I provided the specific disputes reason for this account. I provided more detail on what your Dispute Department needs to look into. Please know this letter will be sent thru certified mail on making sure that this account will no longer show in my credit report because of FCRA violations. Below are the violations reported : 1 ) No dispute
indicator listed on the TransUnion report. Violation of section 611 of the FCRA.

2 ) Delinquent Purge listed at {$730.00} from the company invoice but on the credit report they have an error listed at {$750.00}. This is inaccurate reporting and violates section 623 of the FCRA laws 3 ) Original balance was NOT {$2000.00}. This is reporting inaccurately and misleading. The original balance listed on the company invoice was {$1700.00} sales price with a {$250.00} down payment, making the financed amount {$1600.00}. This again is inaccurate. This type of manipulation puts me in financial harm as it shows that I borrowed more than I actually did. Please see attached invoice copy. 

4 ) There are 17 months reported from XX/XX/XXXX to XX/XX/XXXX that do not show any reporting. This manipulated her credit score intentionally as the invoice attached shows updates and changes to the balance. The updates listed on the invoice should be listed on the credit report.

5 ) There are two different statutes of limitations. First, mention account will be removed : XX/XX/XXXX and second, on records until XX/XX/XXXX. 

6 ) The payment history reported is incomplete.

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 2019-07-16
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing incorrectly reported my XX/XX/XXXX taxes and this has resulted in myXX/XX/XXXX mortgage payment doubling. They did not include XXXX XXXX and Water taxes in my escrow for XX/XX/XXXX resulting in an escrow shortage that they say is {$14000.00} ( inaccurate and inflated ). 

My escrow analysis for XX/XX/XXXX showed taxes totaling only XXXX. ( COUNTY TAX  {$1100.00}, WATER TAX {$840.00} ). 

My escrow analysis for XX/XX/XXXX shows my taxes totaling {$11000.00}. ( COUNTY TAX {$6800.00}, WATER TAX {$4100.00} ) This year XXXX, on XX/XX/XXXX, my escrow analysis showed that 1. I had an escrow shortage of {$14000.00}. 
( This is incorrect, my county appraisal shows that my taxes for XXXX were estimated at {$11000.00}. Since I already paid {$2000.00}, that means roughly {$9900.00} was supposed to be past due, but they have charged me for the full escrow amount which includes insurance and PMI that were already paid for. 

2. My new mortgage payment has increased from {$2200.00} to {$4200.00}. 
This amount was auto drafted from my account on XX/XX/XXXX and XX/XX/XXXX. ( note* I only received the escrow notice on XX/XX/XXXX ) a ) I did not get 60 days to respond to this change. 
b ) This amount is based on a shortage caused by SLS c ) The shortage amount is inaccurate and inflated d ) XXXX spread out the XXXX amount over 12 months without my agreement

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