BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-10
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: AZ
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 an auto loan with America First. Back in XXXX of this year I contacted them regarding an insurance waiver due to the vehicle no longer in working order. They agreed to waive collateral for 6 months, through XX/XX/XXXX. I have a document signed by both of us. They then started sending me letters I believe in XXXX letting me know I needed full coverage. When I called them twice on this matter, I was informed it was only a system glitch and it was being fixed. 
I also was in the process of completing a salvage bid and in XXXX, that finally took place. I have emails from XXXX XXXX department advising once the vehicle is picked up by the salvage yard, I can cancel insurance. Which I did. On XX/XX/XXXX I signed a document from the bank that states my future payments are {$410.00} effective XX/XX/28. America First then added onto my balance {$160.00} more totaling {$580.00} a month from the " lack of insurance '' they erroneously were stating. Therefore, my {$410.00} payment for XXXX was recognized as insufficient and I was subsequently reported 30 days past due to the credit bureaus. This has dropped my score significantly and America First offers nothing other than an apology. This is against federal regulations to do what they're doing and can easily let to a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
My wife XXXX XXXX XXXX XXXX ) and I took out a reverse mortgage contract with the XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX : XXXX. Account XXXX : XXXX. According to the Adjustable Rate Note issued by the state of Indiana on XX/XX/XXXX ( FHA case Number XXXX ; Loan Number XXXX ; MIM XXXX : XXXX ) paragraph 5. ( E ) Notices of Changes : " Lender will give notice to Borrower of any changes in the interest rate. The notice must be given at least 25 days before the new interest takes effect, and must set forth ( i ) the date of the notice, ( ii ) the Change date, ( iii ) the old interest rate, ( iv ) the new interest rate, ) v ) the Current index and the date it was published, ( vi ) the method of calculating the adjusted interest rate, and ( vii ) any other information which may be required by law from time to time. '' As a result of a XXXX bankruptcy proceeding, Carrington Mortgage Services LLC acquired our reverse mortgage contract. 

Our XX/XX/XXXX reverse mortgage account statement reflected an interest adjustment of plus 2 %. 

I had no prior knowledge of the forthcoming loan interest rate adjustment nor of any details behind the adjustment as stipulated by my contract. 

I emailed a request for information from the Carrington Mortgage Services LLC Co. on XX/XX/XXXX and followed that with a written request, via certified mail, on XX/XX/XXXX. The written request was received by an agent of the Carrington Mortgage Services LLC on XXXX XXXX. 
Neither request resulted in a response to me by the Carrington Mortgage Services LLC Company. 

In my mailings I requested the " required contractual correspondence and any adjustment to interest charged me as required ''. 

I request any assistance the cfpb can provide to resolve my issue. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
on XX/XX/XXXX i applied for a bank of America XXXX  XXXX XXXX as OFFERD to me by the company 's email as I am a customer for almost XXXX years. After being Denied which I received a letter about the REVIEW of the application which DOES NOT GIVE FULL DICLOSURE. I have REQUESTED a COPY OF THE FEDERAL TRUTH IN LENDING DISCLOSURE STATEMENT WITH THE LISTING FACTORS AND DECIDING FACTORS FOR THE CONSUMER CREDIT TRANSACTION, AND DENIAL OF MY CREDIT, WHICH SHOULD BE AVAILABLE UPON REQUEST per the FTC and CCPA. B of A is in violation of Title15 USC sub section 1611, Title 12 USC sub section 411 and HJR-192. They are refusing to give FULL DISCLOSURE and are involving a Third party without Consent XXXX Is Involved In A DATA BREECH LAWSUIT since XXXX and B of A is under XXXX  XXXX since XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: EQUIFAX, INC.
State: HI
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 sent a letter to Equifax XXXX XXXX on XX/XX/2023, here is my Certified Mail or Tracking Number XXXX XXXX XXXX XXXX XXXX, to remove personal information that I do not want on my credit report. According to the Fair Credit Reporting Act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of the information was also mistaken, fraudulent or perhaps even possible identity theft. These are clear violations of my federally protected rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i was a tenet at XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i moved out 3 years ago i want this debt took off my credit report this is a fraud. You can contact me at XXXX XXXX XXXX Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I decided to conduct a self audit of my student loans with Navient. In looking through the payment and balance history, there is a period of time from XX/XX/XXXX- XX/XX/XXXXwhere principle payments made on the loan INCREASED my loan balance rather than decreased the loan balance. I have reached out to Navient regarding this and I am waiting for their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$0.00XXXX XXXX XXXX XXXX  Balance : {$610.00} XXXX XXXX Balance : {$4800.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$1600.00} XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. Transunion, XXXX, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer 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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is wrong! I never signed any contract with these accounts. This is a mistake reporting. I don't know about this account.

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 2023-03-18
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:
To Whom this XXXX concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
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: Personal information incorrect

Complaint:
I have sent several disputes requesting my personal information be updated to the most accurate and up to date information but old address and other names still remain on my credit report. XXXX, Equifax, and XXXX have failed to update my personal to only one address, one phone number, one name, and one employer. Correct information should be listed as : Name - XXXX XXXX Address - XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, FL XXXX Phone Number - XXXX Employer XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-18
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
This is XXXX XXXX XXXX and I am submitting this CFPB Complaint to request several credit inquiries that were unauthorized to be removed from my credit report. On XX/XX/, I received a copy of my credit report and became aware of four inquiries that I did not authorize. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In keeping with the Fair Credit Reporting Act, I am asking that my claim is investigated and any and all unauthorized inquiries removed from my credit report. I would appreciate a copy of my credit report once the inaccuracies are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have this information on my credit report : JEFFERSON CAPITAL SYSTEM Reported : XXXX XXXX, XXXX Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Account status Open Type Derogatory Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX Closed No Info It is incorrect and they keep calling me. I have asked them to stop several times. I have explained to them that the information they are providing is false. 

1. ) I do NOT owe Jefferson Capital. I never got a phone or a phone line from Jefferson Capital. I never agreed to pay Jefferson Capital nor do I have an agreement with Jeffererson CapitaXXXX. 

2. ) They are reporting that this is a new debt and making my credit score go down and show me in collections. This debt is not a year and 3 months old. That's when Jefferson Capital purchased the debt. This debt occurred with XXXX in XXXX. Which is WAY over the statute of limitations that allows them to have it on my credit report. It should have fallen off after 7 years or 10 years at the most. It's now XXXX and Jefferson Capital is trying to call and collect someone else 's debt. I don't owe them and I'm not paying them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I hold a Bank of America bank account in the United state with with an account number : XXXX. Several days ago it sent XXXX fraud transactions through XXXX to an unknown XXXX account in XXXX without any notifications. 



Below are the transaction information I got from XXXX  Bank Name : - XXXX XXXX - XXXX XXXX Account Number - XXXX XXXX - XXXX Country : - XXXX transaction reference number provided by remitly : XX/XX/XXXX ( XXXX dollars ) : XXXX XX/XX/XXXX ( XXXX dollars ) : XXXX After I reported the incident to XXXX bank and XXXX cybersecurity department and blocked the hacker 's bank account and froze the XXXX transactions in XXXX, I received several blackmailing emails which threatened me to expose my school credential information and bank account. The hacker also held an illegal website which conducting illegal hacking activities : XXXX XXXX XXXX Hire A Hacker Rent/Hire Verified Hackers At Affordable Price For Email Hack XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Hack 100 % Safe And Secure Payment Method Genuine Result XXXX  The IP address found for the website is : XXXX The IP address found for the email is : XXXX I disputed the XXXX transactions several days ago while the investigation team said they don't have enough information to prove these are involuntary transactions and since the money has reached the hacker 's bank account, bofa can't compensate me my loss. While right now since I've reported to all the relevant US police departments and have enough evidence to prove that those are not voluntary transactions, and I also have the money frozen from XXXX XXXX side, I'm wondering if it is still possible to get my money back? 



the relevant documents are attached to the email, thank you so much in advance for your help.

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 2019-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I enrolled in online classes at XXXX XXXX University. I withdrew from the classes I was enrolled in the day before the final deadline to withdraw without financial penalty. However, XXXX XXXX University has opened an account showing on my credit score on XX/XX/2013 in the amount of {$1800.00}. I have submitted a few disputes via the three credit agencies but it is still showing as something I owe.

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 2022-11-03
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: Personal information incorrect

Complaint:
I sent an Identity Dispute letter to Experian and it was received on XX/XX/2022 for my address and personal information to corrected and removed. It is still there. I sent the letter certified and the tracking number and letter is included in this complaint.

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 2023-08-10
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Monday morning XX/XX/23 I received a phone call from a Lady who claimed to be with ERC Collections telling me that they were attempting to collect a debt that I owed XXXX ( company that provides telephone service ) {$750.00} for a past due phone bill. I told her this bill was fraudulent because I have not ordered any service or items from XXXX. She told me they would send me information how to make a stolen identity fraud report to them. I don't use XXXX for my phone service. I use other companies that are more reputable and don't overcharge their customers. In the past few years XXXX has sent me Three fraudulent bills. The first one came directly from XXXX. The second fraudulent bill came from XXXX collections, and this fraudulent bill came from ERC collections. The first two fraudulent bills were cleared through the State Attorney General 's office and the XXXX XXXX XXXX. I am taking the same action on this third bill but I thought to start taking more serious action by notifying the Consumer Financial Protection Bureau. I feel these companies should be held accountable for sending out Fraudulent bills to XXXX XXXX XXXX XXXX. I also feel these companies are trying to steal money from people that do not owe them money. Can the Consumer Financial Protection help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have paid my debt to XXXX wireless and yet I have fraudulent collections agencies contacting me, such as Jefferson Capital Systems, a highly fraudulent collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
to whom this may concern i have sent a police report i want somebody call me we ca go over everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
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: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, and accounts that do not belong to me. Please block the accounts that are misleading and incorrect in my file. 

Here are the aforementioned accounts : XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} This complaint is a follow-up to my previous complaint dated : XX/XX/ 2023

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