BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: TN
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 this is a formal complaint to request all credit reporting agencies including Experian, XXXX, and XXXX to stop reporting invalid information in my name. Listed account information XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXXXXXX XXXX # XXXX XXXXXXXX XXXX XXXX XXXX are in no way mine. There is a public record for child support on my report and I DO NOT EVEN HAVE KIDS. That is false and misleading and has stopped me from getting a promotion amongst other things. The listed account XXXX XXXX XXXX  # XXXX that I do recognize is not only never late but in very good standing. The credit reporting agencies have taken fraud to a whole new level all while violated the federal law.

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 2019-05-04
Company: Regional Acquisition Group, Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019, Its auto services on my XXXX report. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX On XX/XX/2019, on my XXXX report also hard pulls, XXXX XXXXXXXX twice, XXXX XXXX, XXXX  XXXX I dont understand how they get on my credit report I never approved or signed anything I dont have nothing from these people saying they running my credit

Company response to consumer: Untimely response
Consumer complaint received 2019-05-04
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Under the terms of my mortgage I was offered a recast which lowered my monthly payment substantially approximately {$200.00}. I filled out the paperwork that clearly detailed what the monthly payment would go to principal and interest etc. I signed the document and agree to the terms which were clearly outlined after about two months ago a letter stating that my request was approved and instead of going from a monthly payment of XXXX to XXXX They came up with some other arbitrary number of XXXX. No work close to what I agreed to. I have made over 20 phone calls at the date this problem is not resolved. I have paperwork and letters showing the agreed-upon amount. They will not let me speak to anybody directly in the servicing department they are only responding via email. I question that my escrow is even correct or any payment has been corrected so I cant seem to even service the simple transaction properly

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: EQUIFAX, INC.
State: AL
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:
Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies XXXX, XXXX, Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: Nelnet, Inc.
State: WA
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:
On multiple occasions since the beginning of the year I have asked Nelnet, my student loan servicer, to send me copies of my monthly statements from XXXX XXXX to XXXX XXXX. Several times I was promised the statements but never received them, while on other occasions I was told that retrieving statements more than 12 months in the past was not possible. Nelnet states that all this data is purged from the system after 12 months time. 

With a loan balance of {$120000.00} it seems highly unlikely that the company does not have records of my monthly statements going back farther than 12 months. I require these statements in order to verify that my student loan has been serviced correctly and that the amounts added as interest or capitalized to principal are correct. So far, the company has refused to cooperate. 

Any large financial institution handling loans of this size : credit cards companies, banks, brokerage firms, all have the ability to locate statements going back several years. They are sometimes archived, but they are never deleted. If true, it is highly irresponsible of Nelnet to delete these statements when storage data these days is so inexpensive. 

Since it seems highly improbable that these statements are no longer in their possession, I am writing to the CFPB to assist me in compelling Nelnet to retrieve these statements from their archives and to send them to me by mail or email. If they truly have deleted these statements as they claim, I would like them to recreate the information as one would see it on a monthly statement, and send me the results. Given the amount of this loan, it is unreasonable that Nelnet is refusing to comply with such a simple request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-26
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX 2017 any public record data must include name and address as well as SSN or DOB in order to appear on your credit file. The credit bureaus has not updated the information and per the new law true Bankruptcy listed does not include this information and should be deleted 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 2020-08-02
Company: FIRST CITIZENS BANCSHARES, 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: Account status incorrect

Complaint:
Recently on my XXXX  credit report its showing a old account with first citizens bank that was paid in full back in 2017 when we traded the car the loan is closed and paid in full when I called first citizens bank I submitted a dispute online to XXXX  XXXX co whats funny this is not showing on XXXX  or XXXX  reports just XXXX  they said the report was accurate?????? In the dispute sounds like they need to call first citizens bank and get it straightened thanks for your help the account is for XXXX and was paid off XX/XX/2017 the payment was for XXXX a month

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-04
Company: AMERICAN HONDA FINANCE CORP
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Honda is showing 2 late payments in XX/XX/12 and XX/XX/12 that are not correct. The account is paid and closed but still an issue. Id like it to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: Experian Information Solutions Inc.
State: AL
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:
Hi please take this is as a formal complaint against the credit reporting agencies and the listed companies. These companies have come together and taken upon themselves to report inaccurate information on my consumer report. They are in violation of several laws but I will name a couple in this complaint. After reviewing my consumer report I noticed accounts attached to my name that I take no responsibility for. When reaching out to these companies Experian, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX requiring proof of association to me they would not comply. If a company can report something on my behalf I should not only give them permission but valid documents with proof should be given to me as well. None of this has been given to me and my correspondence has been ignored. The credit reporting agencies are making money off of me but reporting invalid and false information and I demand for it to be corrected and I be compensated. The harassment and the stress this has caused is beyond out of hand. In all they all are in direct violation of 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer and 15 USC 1692 ( g ) Validation of Debts.

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 2021-09-15
Company: CITIBANK, N.A.
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:
I received a letter in the mail on XX/XX/21 stating that I applied for a Bloomingdale store credit card and was declined. I did not apply for this credit card ; this is fraud. I would like this credit card inquiry removed 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 non-monetary relief
Consumer complaint received 2019-05-04
Company: Selene Finance LP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was sold from XXXX to Selene Finance and i made my first payment over the phone. The was suppose to send me a welcome pkg with the new terms. However, I haven't received it still so i called. The old company nationstar informed me that my loan was transfer within 15 days. I tried to make my payment online and it went through for my second payment on XX/XX/2019 online with a confirmation number. I called several times because it yet clear my bank so the money still in my  account. Several Customer agent from Selene Finance said its fine ; but its not. I had my sister who helps me with the financial documents to reach out to them and we are constantly lied to. I have no idea now that its XX/XX/XXXX when they will take that payment. Fire XXXX out my account. Im unable to log on to check my account under Selene Finance and the dont help. I doubt wasnt to lose more home or it falls behind because this new company Selene Finance not p processing my payments. I called 6 times and still nothing done. It's very frustrating and im concern that thus new lender is not paying my insurance, taxes or anything because they not processing my payments. Please help! 

Sincerely., XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: National Credit Adjusters, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX, I sent a letter to National Credit Adjusters ( NCA ) at XXXX XXXX XXXX XXXX, XXXX, KS XXXX requesting validation of a debt being reported by them to all three credit bureaus per Texas Finance Code Section 392.202. I specifically stated in the letter my requested action of deletion if they could not provide validation of the alleged debt in the 30 day time frame provided by Texas Finance Code Section 392.202.

Specifically written : Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) I received a return notice on XX/XX/XXXX stating that they could not complete an investigation in 30 days because it was not enough time and instead of deleting the tradelines as requested- THEY decided that I instead wanted to dispute the items - disregarding my specifically stated request in the first letter which is in line with TFC Sec. 392.202 ( d ) ( 1 ). So on XX/XX/XXXX all three credit bureaus were updated to incorrectly reflect a customer initiated dispute and have since reported incorrectly. 

On XX/XX/XXXX, I responded with the following via certified US Mail : In no section of the letter did I request a dispute but specifically I requested validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt. This account was updated to report disputed status on all credit reporting agencies on XX/XX/XXXX, which is inaccurate because the account was never disputed. 

You responded that you would need more than 30 days to investigate because 30 days is seldom a sufficient amount of time for such research and investigation. Considering this information, I am requesting again a complete deletion of the tradeline on all three credit reporting agencies as I requested in the initial letter in accordance with Texas Finance Code Sec. 392.202. Subsection d. 

I appreciate your assistance in this matter. 

They signed the certified receipt on XX/XX/XXXX and still have not deleted the tradelines or provided any proof to validate the account. The account remains reported inaccurately. 

All correspondence is attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: EQUIFAX, INC.
State: OH
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:
Mailed a certified letter on XXXX/XXXX/2021 to Equifax requesting a method of verification according to the FCRA 611 for XXXX accounts listed on my credit profile. Equifax did not provide the requested information within the 15 day window. They opened a dispute, marked the accounts as verified, and closed the accounts without providing their method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-15
Company: Experian Information Solutions Inc.
State: FL
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've contacted Experian and the following companies with these unauthorized inquiries and the companies are stating they do not have me in their system and can't find where I applied : 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 2021-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 requested the reporting information be verified and validated with original agreement, account history or contract with my signature and date. XXXX refuses to send proper documentation, instead sends a copy of what has been inaccurately reporting to my credit report for years now. The duplicate information sent to me did not include any account transaction history, no payment history, no payment amount history or method. 

The duplicate information is not an original contract and therefore I am requesting this fraudulent reporting is completely removed and permanently deleted 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 explanation
Consumer complaint received 2019-09-24
Company: REGIONS FINANCIAL CORPORATION
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: Old information reappears or never goes away

Complaint:
My personal line of credit was shutdown by the bank but it still shows as open on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-04
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
BBVA Compass stole $XXXX  dollars as a maintenance fee on their free savings account.  In doing so, they also stole the $XXXX bonus that I was meeting the requirements for on the same account.I requested BBVA Compass' assistance to help fix this problem, but they haven't even bothered to respond to me online, and they keep hanging up on me when I called in the last three times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
JPMCB XXXX is reporting on my personal credit file. This is showing to be late but it also says its been transferred. Additionally, the balance is already {$0.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted. 

( JPMCB XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my savings act and checking account on XX/XX/2021 as if XX/XX/XXXX my checking acct is still open received and check for the remaining amount in my savings still have not received my amount from my checking and Iam being charged A monthly fee when my acct has been closed I have yet to receive my remaining amount for my checking acct, nit sure why one acct is closed and the other is open, I closed both at one time, I need answers and the remaining amount of my money called 4 times and I have not gotten anywhere, spent 2.5 hours on the phone trying to figure things out but no one seems to have the accurate answers for me

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 2017-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I previously notified Bank of America that I am a victim of identity theft, and requested them to do the following : Close the unauthorized account Remove any charges on the unauthorized accounts, and Take steps to remove information about these account from my credit files. I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company without my authorization. I did not open or authorize this account and charges, and I request that it be closed immediately and all unauthorized charges be removed. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. I have enclosed a copy of my Police Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. Please send me a letter explaining your findings and actions. Sincerely, Enclosures : Identity Theft Police Report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-04
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I had my student loans via XXXX, then they were bought out by Navient. I started out with a total of about {$28000.00} total after graduation in XXXX. I had a hard time finding a job, so they advised to put it into forbearance without advising me of the interest that would accrue. This happened on a number of occasions. Summer of XXXX, my loan came due and the least they would make my payment was over {$400.00}. I could not afford to pay that much, so they approved me for a {$0.00} payment. AGAIN, they did not tell me interest would continue to accrue. I am now almost in the hole for double the amount I originally had borrowed. These people are crooked and will not help your situation.

Company response to consumer: Closed with explanation