BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: EQUIFAX, 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:
I submitted information to Equifax and they still have not removed these items, These accounts were opened with out my knowledge I made a police report with my local police department and they have still not deleted these accounts for XXXX  XXXX XXXX :XXXX XXXX XXXX XXXX :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2017-12-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Failed to validate mortgage, I have been informed from the county register office that there is no existing mortgage. and a mortgage have been transferred 3 times from XXXX XXXX XXXX, XXXX XXXX and SPS currently being the company requesting payments from me XXXX XXXX Deed holder to the property.However no one have been able to produce the original note for the property at XXXX XXXX XXXX XXXX, XXXX NJ XXXX. None of these 3 entities have no interest in my property/House and I have no signed contract with any of these companies. Has of the most recent letter sent from SPS I have no signed contract with XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am a XXXX  eligible for public service loan forgiveness and have approximately 14 payments over now 9 years that are not eligible to count towards the 120 payments due to administrative forebearance during which time the program was processing my income verification almost annually. I have been informed that these payments may be eligible if the loan services will allow me to make the payments retroactively that should have been due during those times. Fedloan agents have told me this is not an option. How do I determine my rights related to those payments?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2018 I would like to file FORMAL COMPLAINT AND GRIEVANCE against XXXX XXXX and " XXXX '' at the Bank of America branch XXXX, located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. 

He is unquestionably the RUDEST and most obvious arrogant, & evil person in the banking industry and should be terminated immediately!! 

( I usually bank in Florida. ) While visiting family in XXXX XXXX, I went to this branch to make a {$2000.00} cash deposit. I waited in line. He said they would only accept an ATM or drivers license. I didn't have those with me but had my passport. Then XXXX was taking a very long time with an drive thru customer. I was the next customer and asked XXXX to help me ( as he was waiting on customers ). He refused to help me, didn't allow XXXX to help me, and refused to accept my cash deposit. At minimum, he should be seriously reprimanded!! I request a REPLY and action to be taken. 


I have been a customer with Bank of America since it was XXXX XXXX. My family has huge amounts of money at BoA. We can easily move to one or more of the innumerable much more professional banks!! 


The behavior of XXXX XXXX ( and his subservient XXXX who refused time accept my deposit unless XXXX said it was Okay, was positively despicable and deplorable!!!

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 2017-09-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX/XXXX/XXXX, Experian denied me the ability request my free annual credit report through the use of XXXX. They are requiring me to mail in the request, which I find unreasonable due to the time sensitivity of receiving a copy of my credit report, in regards to the massive breach of 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 2023-02-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase literally just closed my account after I was robbed by XXXX XXXX I reported it and then instead of giving the money back to me chase kept it and closed my account. My taxes over XXXX XXXX dollars is about to go into that account and they have closed it and said they will hold onto my money as long as they want. They literally just told me in the Phone they will hold onto my money as long as they want despite me being the victim of robbery. They did not help me one bit and all they wanted to do from the start is steal my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Credit Karma, LLC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Credit Karma advertised multiple credit cards to me with pre approval odds at 90 %, give or take, but I would always get denied and take hits on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
For whatever reason, this account has been nothing but a nightmare. My account was somehow " delinquent '' and showing as so on my credit report but in fact was due to XXXX XXXX system and error. I brought this to their attention multiple times, they agreed and accepted this fault and removed the info. I just got a notification that I have a new delinquent account because they for whatever reason put these old " negative '' remarks on my credit report which caused a major issue with my score.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX credit Card In accordance with The Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 States I have the right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions under 15 uses 1666 b a creditor may not treat a payment on a credit card account under an open end Consumer Credit plan as late for any purpose

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 2023-01-25
Company: Synovus Bank
State: TN
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:
ON XX/XX/2022, Sent a letter to 1stprogress,  XXXX, and XXXX, XXXX informing them the information they are report to my consumer report is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly 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 2018-07-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
The State of California passed legislation that requires every bank who does business in the State to submit every customer 's social security number into an Automated Data Matching System, see sections 17450 - 17456 of the State of California Family Code. The XXXXXXXX XXXX and the Navy Federal Credit Union have submitted my social security numbers into the State of California 's Automatic Data Matching System without first notifying me to opt out, or to dispute, or to challenge these actions in Court. These actions by Navy Federal Credit Union and XXXXXXXX XXXX violate the Gramm-Leach-Bliley Act, Dodd-Frank Act and the Right to Financial Privacy Act. I am entitled by law to be notified first before my non-public information is submitted to any third party. Since late 2013 over {$3000.00} was frozen then taken out of my joint savings account with my son and joint checking account with my wife and in both instances, this was not my money they took. Please enforce the laws that we had Congress pass to protect us from the very activities these banks are doing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have noticed an account on my credit from midland funding that is a direct result of identity theft. the account is from a credit card that I never owned associated with my name and social security number. I have filed a report with the FTC regarding this ( FTC Report number : XXXX ) The credit card associated with this midland funding debt is from XXXX  XXXX. I have sent multiple letters to midland funding informing them that I did not live at the address associated with this account and have requested multiple times that this account be removed from my credit report. Not only has the account remained but they continue INCREASING THE BALANCE on the account associated with this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
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:
I have made XXXX attempts to remove erroneous and inaccurate names and addresses from my Experian Credit Report, but every single attempt has been ignored by Experian. 

My first attempt was via phone on XX/XX/2018. The representative had a heavy foreign accent which was incredibly hard to understand, and she said she could not remove the names and addresses from my report. Also I requested to have my employer and phone number deleted, which was deleted, but then immediately added back to my report. 

Since then I have mailed in XXXX letters disputing the erroneous and inaccurate information. I also provided a copy of my Driver 's License and proof of address. ALL XXXX requests were ignored, and as of today the erroneous names and addresses are still reporting to my report. The dates of disputes are XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. 

I have also disputed XXXX collection accounts that I have no knowledge of, and I would like them to be addressed. It's obvious they have a superficial process for " verifying collections '' otherwise these accounts would not still be on my 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 2017-09-14
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I began my lease with XXXX XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, Florida XXXX for one year ( ending on XX/XX/XXXX ). I lived with three other individuals, each of us on separate leases. After living in the property for one year, I was assessed charges in the amount of {$2400.00} for damages that XXXX stated we were responsible for. I received the first correspondence from XXXX regarding these charges once I moved into my new residence the following year. I immediately contacted them to let them to dispute the total that they were placing on me was incorrect, but to no avail. The office staff stated that they would contact me in the coming weeks with a solution, but I never received any communications back. 

In late XXXX, I received notice that the amount I owed was being transferred to NCC Business Services Incorporated, a  third party debt collection agency based in XXXX, Florida. In late XXXX, I formally disputed the debt with NCC. After waiting for months for a response, I contact NCC to speak with them regarding the unjust debt. They stated that they sent me a response to my debt dispute. I stated that I never received this correspondence and requested them to reissue it but they declined to send me this document again. 

During the time of my dispute with the debt collection agency, XXXX transferred ownership of the property to a bank. This property was being managed by another company. I spoke with the owner of XXXX in-person in mid XXXX, informing him that this credit dispute was a hinderance to my ability to seek housing. He informed me of this shift in ownership and ensured me that he would speak with the new owners to assist me in this effort. He also spoke with the local property management company I was attempting to rent from ( no relation to situation ) to help me in obtain a rental I was seeking to reside in. Despite this, he never reached out to the debt collection agency nor the new owner of XXXX XXXX XXXX to rectify this issue. After waiting for a few more months, I called the new property managers to explain to them my situation. They stated that they had nothing to do with the issue since they never formally went into a contract with me. They also stated that they would not be able to give me the direct contact information for the owners of the property. 

In XXXX XXXX, I contacted XXXX to let them know about my conversation with the new property managers. They offered no assistance. Late in XX/XX/XXXX, I retained an attorney to assist me with solving the issue. She advised for me to file complaints with various governmental agencies. My hope is to not only resolve this issue, but to aid other college-aged individuals who may fall victim to the predatory practices of business like XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
i had setup an automatic bill pay in XXXX and i sent the necessary paperwork for it. and it didn't get properly processed on XXXX XXXX XXXX side. So i called them and they said to dispute it through this process. it is on my experian and XXXX as late when i never been late.

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 2020-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There's an item on my credit that needs to be removed as soon as possible. This item is fraudulent account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove this from my report : Company inquiry : 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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 requested an investigation of an account placed on my credit report. XXXX XXXX placed a collection on my reports for XXXX. I was appalled and requested the credit bureaus conduct an investigation and I also requested validation/verification from XXXX XXXX XXXX. 

XXXX as well as Transunion both reported the account was verified. I received a response from XXXX XXXX dated XX/XX/2018. The information contains several discrepancies. 
The date of birth for the handwritten account number XXXX contain a date of birth of XX/XX/XXXX. They also provided several signature pages that are NOT my signature. 
According to the FDCRA ALL information must be properly verified and 100 percent accurate. DOB and contract signature are 2 main components when it relates to reporting on consumer credit reports. It is the credit bureaus due diligence to conduct a thorough investigation, and any information that is NOT accurate or can not be properly verified should be deleted. In my case per my request the information is not accurate and should have been removed per the initial investigation request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions Inc.
State: FL
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 will not remove from my credit account where they have responded that it should be removed. I have documents/response that they sent, and sent to CFPB in response to my complaint before. XXXX and XXXX  has removed it from my credit report, but Experian has not. I have resubmitted to have removed from Experian, and it was not removed, again. They sent me a mortgage of someone elses, with a letter that clearly states what they should have done, but did not.

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