BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
A fake text message from XXXX has tried to send me a link that I know is fake to try and steal money. The bank that is being impersonated is Bank of America

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 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a complaint last XX/XX/2022 to remove these accounts, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022 letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX Balance : {$35.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XXXX Balance : {$47.00} ; XXXX XXXX Balance : {$70.00} ; XXXXL XXXX Balance : {$70.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$320.00} ; XXXX XXXX XXXX  XXXX Balance : {$300.00}

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 2022-02-19
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Two years ago XXXX and myself severed cable services due to inadequate services & business practices. When I discontinued/disconnected services from them & returned their equipment. My account was zeroed out and final. XXXX additionally requested that I disconnect equipment that they set up. Ie ; satellite dish, however XXXX refused to remove the actual dish, pole, etc from my property, leaving my property damaged as a result. Fast forward to XX/XX/2022 where I receive a letter at my home ( from collections ), stating there is a balance owed ( Two years later ). I've contacted XXXX repeatedly to request they remove the dish from my property to no avail.

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 2023-08-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
My hardship begin XX/XX/2023 Select Portfolio increased my mortgage payments from {$1300.00}. Per month to {$2300.00}. Per month with no notice. I was told that this {$1000.00} escrow increase requested by the Investors wasnt predatory lending but actually was within the law to bill me for 2 years escrow instead of each year. My escrow is based on my yearly property taxes and property insurance so how can they do that. I cant find this clause in my settlement documents. So I requested a copy of documents to support the increase. Select Portfolio representative said they were going to send me the information and I never received it. They didnt offer me any assistance. 
Please help me keep my mortgage payments affordable I cant afford a {$2300.00}. Mortgage payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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.

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 2022-07-19
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Unable to have Experian, XXXX, and XXXX ( XXXX XXXX ) update my credit reports for creditors XXXX XXXX XXXX XXXX ( credit card ) and XXXX XXXX XXXX XXXX ( auto loan ) to current and correct data. I have disputed these creditors at least four ( 4 ) times in the last three ( 3 ) months. They keep sending me credit report updates that state, " Results : DISPUTED INFORMATION UPDATED ; ( OR ) DISPUTED INFORMATION UPDATED AND OTHER INFORMATION UPDATED. '' After reviewing credit reports, the information is still unchanged. 

The following creditors have been disputed with NO updates on credit reports : Creditor 1 : XXXX XXXX  XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. 
Dispute : XX/XX/XXXX and XX/XX/XXXX payments not " 30 days late. '' ( Actually confirmed with XXXX XXXX XXXX XXXX XXXX that they ARE NOT late. ) Creditor 2 : XXXX XXXX XXXX XXXX ; Dates disputed : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Dispute : Data entry is not current/correct.

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 2021-06-07
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My monthly mortgage payment is {$1500.00}, but XXXX additional {$1400.00} each month to be applied as additional principal. 
On XX/XX/21 I made payment to my mortgage company XXXX for {$3000.00}. {$1500.00} of this was my normal mortgage payment, and {$1400.00} was additional principal. Afterwards, I received a letter stating that Mr. Cooper had bought my mortgage. I called Mr. Cooper and was told that XXXX would forward my payment to them, payments would be applied the date that XXXX received them, and that I didn't need to do anything except make my next payment to Mr. Cooper. 
Mr. Cooper finally applied XXXX payment on XX/XX/21, but also did so incorrectly. They applied the {$1400.00} as a partial XXXX payment, then reversed that and set it as unapplied funds. 
On XX/XX/21 I paid {$3000.00} directly to Mr. Cooper. {$1500.00} of that was my normal payment, and XXXX was to be applied as additional principal. On XX/XX/21 Mr. Cooper told me over the phone that there was a " Bill Pay '' error and that they lost the payment ( along with thousands of others XXXX, and that I would need to send it again. I was also told that they would move the payment back to XX/XX/21 since it was their " Bill Pay '' error. On XX/XX/21 I made two payments for {$3000.00} each, one for the lost XX/XX/21 payment, and one for my monthly XX/XX/21 payment. 
First of all, both payments were posted on XX/XX/21, when one should have been moved to XX/XX/21. Secondly, they only applied {$1400.00} as additional principal instead of {$2900.00}. Their website doesn't show what happened to the rest of the money. I have called numerous times and they keep saying they will fix it, and never do. When I call and escalate it, they say they will call back and they don't.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-07-19
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:
The INQUIRIES on my equifax report is wrong. I have contacted them but they refuse to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
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:
I have had an extended fraud alert on all three credit bureau reports for about 20 years. But in XXXX, Experian changed the alert and forgot to put a phone number in the alert. So, the fraud alert on my Experian report says to call me before granting credit, but provides no number. As a result, potential creditors can not grant credit to me because there is no number ; their only recourse is to get a report from one of the other bureaus. But, I have been denied credit because some creditors use only Experian. 

I wrote to Experian to ask them to update the alert and add my phone number on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have again sent a letter today. I spoke to a representative at Experian today ( finally ), and he said they are backed up, have " bugs '' in their system, and he has numerous complaints just like this, and they just can't get to it. That is not an acceptable response. 

Experian is in violation of the FACT Act ( Fair and Accurate Credit Transactions Act of XXXX, and I simply want them to comply in a reasonable time.

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 2021-11-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The XXXX Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX****-Balance {$200.00} XXXX, XXXX & XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX ) XXXXBalance {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: EQUIFAX, INC.
State: DC
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:
XXXX XXXX  XXXX XXXX ( XXXX ) deleted thier entries on my credit report on XX/XX/XXXX and CFPB was notified.The Superiour Court of XXXX terminated all matters with XXXX with prejudice in XX/XX/XXXX. 

The credit bureas have'nt corredted my data in over a year. 

Despite this and letters to Equifax and XXXX  for the last few months ( more than 3 times in XXXX ), the entities haven't made corrections and deletions, verified data per the Fair Debt Collections Act, violated the 30 day investigation period, have false, misleading data on my report, and stubbornly will not make chanegs. 

I have sent verification data of my residence, identity, and other items to Equifax and XXXX  but they will not comply or cooperate. 

This is my 5th request in 120 days to corect the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called TransUnion to have my credit unlocked for one day so my XXXX XXXX XXXX XXXX rep XXXX could view and raise my available credit card amount. I paid {$10.00} and was given XXXX. I provided this to XXXX and he calls me back saying that number does not work. I call Transunion and tell them the number did not work. Their rep says he double checked and it was valid. I called XXXX back and he tries it and it does not work. I tell him I do not know any other recourse but for him to try hourly. I call TransUnion the next day, today, and repeat my request to have my credit unlocked for free because the number I was given did not work the day before. He did not understand though I repeated it 4 times. His method was for me to pay again and get another unlock code. I then spoke with his supervisor who said since I did not call back when card did not work he could only charge me again to reopen. I pointed out that I did call back and because Transunion did not follow their own rules in documenting my calls was no fault of mine. The fact remains I paid {$10.00} for a valid code and Transunion does not feel they have any responsibility to hand out working codes for the fees they accept!

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 2023-09-27
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting 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 report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( XXXX ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: KLS Financial Services, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I contact KLS Financial Services Inc. and informed them I do not owe this debt and it was added to my credit report with out notice. They added 4 account to my XXXX  report. this needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent several certified letters to the company with no response since XX/XX/2022.

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 2021-07-11
Company: CBC Companies, Inc.
State: MO
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:
On XX/XX/XXXX, I mailed letter to XXXX requesting that an account be verified that was reporting to XXXX XXXX XXXX, and innovis. On XX/XX/XXXX XXXX sent me a letter back stating that the item was unable to be verified and they will be removing it from my records. I immediately called XXXX and verbally requested this information be update with all the credit bureaus they furnished the information too. The agent told me that my records will be updated in 30 days. On XX/XX/XXXX, I sent a letter request that the item be removed from my file because XXXX found it to be unverifiable. I have never received any response from XXXXXXXX XXXX XXXX XXXX, or Innovis regarding the removal of this item and it has been over 103 days with no response. I am a victim of the XXXX  data breach, and have every intention to take legal action if this is not corrected. This unverifiable information be reported is negatively impacted my credit and I am suffering with the inability to save money by obtaining lower interested rates, which directly effects my household budget. I feel that my requests are be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Due to the nature of how this company closed my account when I was always current with payments I 'm disappointed at the fact that this is still showing on my credit report. I have n't applied for the store credit card since it was closed. The card was closed by a phone representative mistakenly several years ago when she assumed that I wanted to close the account. Once I found out that the card was closed I called to see if I could have the credit line again and I was denied. The phone agent closed the account without asking me for confirmation and since then I 've never had the opportunity to have a credit 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 explanation
Consumer complaint received 2023-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Portfolio Recovery has been contacting me at work and via my personal phone number. I explicitly instructed them to STOP contacting me. They have stopped contacting me at work, but recently began calling me on my personal phone. I have spoken to my XXXX XXXX XXXX  attorney who filed my case that involved this debt over 13 years ago! The representative on the phone even stated, that, " due to the age of the debt, Portfolio Recovery will not sue you for the debt ''. They are openly violating Fair Debt Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed an item TransUnion. Their results claim that the account was verified as correct. 
The account is with XXXX XXXX XXXX XXXX. $ XXXX XXXX bal. XXXX current balance {$630.00} payments $ XXXX monthThis does not make any sense if the original balance and the current balance are the same after 3 1/2 years. This is not my account and needs to be removed from my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief