BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
bank of america was the bank that XXXX used for are accounts in XXXX XXXX i started getting money from XXXX i recieved the first check and thast was it i contacted bank of america asking them what was going on because i didnt not receive any money after the first check and all they would tell me is the money was deposited on my card well i never received another payment and i have contacted them and i filled 45 claims and all they keep telling me is they have payed all kinds of the claims XXXX sent me a letter explaining that there was XXXX XXXX dollars put in to my account everytime i call bank of america they tell me that the claims are payed them i received one payment from bank of america and thats it its been 3 years and this is not right all my XXXX was stollen from there bank and they are not paying none of that money i was suppost to get on my claim

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 2021-03-22
Company: EQUIFAX, INC.
State: WA
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:
A balance is reporting on my XXXX by XXXX account in error which is substantially dropping my credit scores and is inhibiting me from getting a home loan. I have tried to resolve this issue directly with XXXX by XXXX and they have failed to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: NEW YORK COMMUNITY BANCORP INC
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
In XXXX of XXXX  I called Flagstar Bank questioning why my mortgage was increased by {$800.00} when I just paid them {$16000.00} to get out of foreclosure. Flagstar agreed that it was incorrect and gave me a confirmation number for a re-evaluation to my escrow. This conversation is on a recorded line. They said I should receive information within 5 to 7 days of the evaluation and the account would be updated as well. I have not received information on this matter nor has my account been updated.

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: CITIBANK, N.A.
State: TX
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:
CITI bank confirm sit closed my CIT-AA account on XXXX and a COMPLTE freeze of my account. 
but the account was opened multiple times fradultenly XX/XX/XXXX and XX/XX/XXXX -- all got closed latest XXXX another card was issued and i never got it but for charges they call me all are Fraud charges and they are asking me to make minimum payments

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 2023-08-07
Company: MOHELA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Mohela is servicing my loan. For some reason, when taking payments into account for debt forgiveness, they have neglected to include the years XXXX. I have been calling them since XXXX to get this remedied and I am always told by the customer service representative that they have no idea why those years weren't included and that they definitely should be included. They are not listed as eligible or ineligible payments, they are just missing years of my payments altogether. I have been told that the issue is under review and will be resolved in 5-10 business days. I have been told that for 5 months. I do not believe that they plan on remedying the situation at this point. I have called on XXXX separate occasions. In addition, I have been at the same job the entire time and have submitted paperwork to show that. If payments counted in the other years, there is no reason why they wouldn't count in those years as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I opened a XXXX XXXX XXXX plan in XX/XX/2020 for XXXX children on USAA without knowing that they were in the process to switch to XXXXXX/XX/XXXX In XXXX I called USAA service department to increase my contribution from {$50.00} to {$120.00} on both accounts. The person I spoke to, told me that she could not doing, I have to do it on the XXXXXX/XX/XXXX website. In the meantime I need to put a stop payment on the current amount and go do it on the XXXX XX/XX/XXXXsite. instead of putting a stop payment she put a block which did not allow them to further withdraw money from my account. 
In XXXX I went to victory capital and set up a recurring payment on their website. Not knowing about the block XXXX XXXX charged my account {$50.00} in fees because of USAA rejected it. I called XX/XX/XXXXXX/XX/XXXX four more times in two months to help me set up the recurring transaction. Each of those times USAA blocked them and charged me {$200.00} for a total of $XX/XX/XXXX.When I finally realized about the all the fees, I spoke to a supervisor at XX/XX/XXXX. He told me that was USAA mistakes, they will not refund me the fees. I called USAA, they agreed that was their mistakes and they can only refund me {$100.00}. I told them I will not accept it because that was their mistakes. They pretty much told me. " Take it or leave it ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-08-26
Company: Experian Information Solutions Inc.
State: IL
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 2022-10-24
Company: Experian Information Solutions 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:
I'm 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 report and 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 the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: DISCOVER BANK
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I, the victim, was not aware of the fraudulent activities on my credit history. I noticed between the month of XXXX 2023 when I could not get approved for a vehicle and my credit started to decline. These actions were not taken by me. At the time, I was between the ages of XXXX trying to build my credit score and did not know anything about credit cards let along credit fraud. One account is within the amount of ( discover- {$11000.00} ) and the other ( XXXX XXXX {$4000.00} ) is wish to be removed as for my credit will rise and I wouldnt have to keep coming across this hassle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

Based on, 15 U.S. Code 1681c2 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 as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We were submitting documents to Specialized Loan Servicing in 2017 and at one point we received a payoff quote, along with the payoff quote we received a Disclaimer. 

The Disclaimer reads as followers : We are required by regulation of The New York State Department of Financial Services to inform you for the following information. This information is not legal advise. 
Your creditor or debt collector believes that the legal time limit ( statue of limitations ) for suing you to collect this d

ebt may have expired. It is a violation of the fair Debt Collection Practices Act, 15 U.S.C.1692 et seq., to sue to collect on a debt for which the statue of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statue of limitations has expired. Even if the statue of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statue of limitations on the debt, the time period in which the debt is enforceable in court may start again. 

If you would like to learn more about your legal rights and options, you can consult an attorney or legal assistance or legal organization.

SLS Contact Information : Specialized Loan Servicing, LLC XXXX. XXXX XXXX XXXX, CO XXXX This letter was received after entering into a loan modification. 
We had an Attorney contact Specialized Loan Servicing and was able to get absolutely no information. 
We have tried to speak to SLS but all they say is that we gave you a loan modification. 
Each month even though we have made payments they send us a new loan modification package. They have admitted that the collection of the debt has expired. 
PLease help us with this situation.

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 2019-06-16
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 information incorrect

Complaint:
XXXX XXXX XXXX XXXX ( " XXXX '' ) improperly reports an amount assessed after the termination of the lease, as an unpaid loan, which impacts the credit in a more harmful way than if the item would be properly reported. 

At the termination of the lease, the lessee has to return the vehicle and receives a lease termination statement, from the dealer where the vehicle is returned. The dealer reads the odometer, looks at the overall condition of the car, inputs the data into the system and generates a statement showing the amount to be paid in case of returning the car and a buyout proposal. 

In my case the value of the amount owed if returning the car was XXXX ( XXXX ) and the buyout was the residual value of the car. The dealer mentioned that any extra mileage fees will be waived. I opted for the return of the car and received a statement in writing showing a XXXX dollars owed to XXXX. 

Unbeknownst to me, the amounts were not accurate. XXXX assessed a {$5000.00} amount based on additional mileage and opted for reporting the amount to the Credit Bureaus as unpaid loan. This foreclosed any possibility for me to obtain another car lease for 7 years. 

The proper way for XXXX was to post the loan as paid in full, as showed in the document obtained at the end of the lease, and the {$5000.00}, as a collection item. The collection item would influence my overall credit, but it would allow me to obtain another car lease. 

I believe that adding the {$5000.00} at a later point is fraudulent, as the amount would have greatly influenced my decision to purchase the car rather than return it. 

By improperly reporting the item XXXX are trying to extort an amount that I believe it is not due to them. Rather than trying to adjudicate the matter in court, they are choosing to miss-report in an effort to unduly obtain the funds. 

I have contacted XXXX, but the representative was unable to understand what is issue is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. Regrettably, I've become a victim of identity theft, compelling me to take action to report this incident.

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 2023-08-07
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have repeatedly called and messaged Mohela in their portal concerning 4 stolen refund checks for the past 8+ months dating back to XX/XX/2022. When I manage to actually get a response I am just told that they are investigating but there is never progress for nearly a year at this point. I am requesting that Mohela reissues the checks that I have repeatedly specified were not cashed by myself ( or reissues payment via electronic deposit ) and properly report these stolen checks so that whichever financial institution cashed these stolen checks can investigate as this is bank/check/mail fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
The account should have been closed due to the company having the property. Going through my credit report I noticed that my balance is {$18000.00}, but my starting amount was {$3000.00}. The company has continued to draw interest which is against the law. Also Experian has that I have all late payments but XXXX has that I have on time payments. Which means both credit companies are supposed to be accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Open Dealer Exchange, LLC
State: GA
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'm accordance to fair credit reporting act my privacy have been violated 15 U.S.C 1681 Section 602 A states I have the right to privacy 15 U.S.C 1681 Section 604 A section 2 It also states a consumer reporting agency can not furnish a account without my written instruction 15 U.S.C 1681 s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a customer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation