BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-14
Company: Experian Information Solutions Inc.
State: WA
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:
This is the second time that this has happened, Experian deleted a valid credit card account from my report. I disputed Experians reporting incorrect info on my report. I did a 30 day free account, after the 30 days Experian deleted my XXXX card account from my report then used that as leverage to make me pay for there premium service, I did not want that I have a free Experian service through XXXX XXXX, now they have deleted a Excellent stellar as all my accounts are XXXX XXXX XXXX   XXXX  account I called XXXX XXXX and they said no account is great, I don't know what Experian is trying to do but I am going to contact a attorney at this point

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 2020-12-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2020 I contacted Midland Credit Management by phone at XXXX XXXX XXXX XXXX XXXX. They had been calling my cell phone repeatedly, and I was notified by my sister that they repeatedly called her house phone trying to reach me and collect a debt. I had never heard of the company and they did not send me anything in the mail with an account number or balance. 

I called Midland Credit Management over a month ago requesting their mailing adress so that I could verify, dispute, and/or or settle the debt. I wrote them two letters- one addressed to an office in XXXX , Michigan , and the other to an office in XXXX XXXX , California - asking them to stop calling my sister 's house and to only communicate with me in writing. I did not receive a response, so I called back on XX/XX/XXXX to follow up. I spoke to two female representatives who did not state that hey we're representing Midland Credit Management, but did say the call was an attempt to collect a debt. Neither of the reps offered settlement, dispute or verification options but instead asked me personal questions about why I couldn't pay the debt that day. I asked for the adress to make sure I sent my letters to the correct company. The first representative said, " What would that change if you communicated in writing? What was happening in your life at the time that the account went delinquent? '' The questions seemed irrelevant and I asked her to verify the adress. She said the post office address quickly so that I couldn't hear it. I asked to talk to a manager and she also didn't offer me any option but to pay the full balance that day. She said they would have to hire an attorney locally and take the debt case to court. I got frustrated and ended the call. I tried to call back but I got an automated message saying the office was closed. I am concerned that MIDLAND CREDIT MANAGEMENT based in XXXX XXXX, CA is NOT A LEGETIMATE DEBT COLLECTION COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-09-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft I had notify all credit bureau about my Identity been stolen and I had request number of time to block those account open by Identity theft to be block under Consumer 605B Blocking Request Letter to CRA. I had provided then with all necessary document required including, Copy of Credit Report, Identity Theft Report, Proof of Identity, FCRA 605B, 15 U.S.C. 1681c-, And police report. after number of request by me not one of the 3 credit bureau had block or remove any account report been open by identity theft. as fallow the rule per ( pursuant to section 605B of the Fair Credit Reporting Act ) and By the provisions of 15 USC section 1681i of the Fair Credit Reporting Act,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was contacted by XXXX XXXX XXXX XX/XX/XXXX regarding student loan debt with an increase of XXXX in collection charges the department of edu did not honor my debt rehab program with them and sent the information to XXXX, once contacting XXXX XXXX XXXX they stated that I would go into 9 month rehab program and after the program a new servicer would contact me so XX/XX/XXXX payments where started of XXXX $ every month on the XXXX of the month automatically, all payments where made up until XX/XX/XXXX completing the successful rehab program, I called XXXX XXXX XXXX XX/XX/XXXX to inquire to why I have received no contact regarding new servicer. On the call the lady explained they had the incorrect contact information for me even tho they where sending everything to my current address etc, the women advised me to make another XXXX $ payment for XX/XX/XXXX I did, after this I received a letter stating I fell out of the program even though I completed all the paperwork required 1040, w2, financial disclosure in XX/XX/XXXX which that is how my payments where calculated. So now its XX/XX/XXXX and still no answer to why they have not had any other servicer contact me to take me out of the debt which is affecting my Score. They seemed to have no information no notes on call nor the program even though they took the payments, they are falsely advising and not following federal guidelines for debt collection, the dept of edu is not accepting calls. So Im paying this debt every month for now 10 months and the rehab program is not being followed by XXXX they are still attempting to collect debt with the XXXX in collection fees they have not contact any servicer regarding my loan nor sharing the information with the dept of edu, they are continuing to keep me in default regardless of the so called program offered. They are attempting to place me in another 9 month program saying they havent received proof of insurance which was never requested everything was sent via email.

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 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 status incorrect

Complaint:
My husband and I returned from vacation on XX/XX/XXXX and upon opening our mail we discovered a lot of our bills had been doubled, I called the bank and non of the checks had been cleared and rather than place a stop payment I was advised by the bank to call the USPS to see if they've been having any issues. I called the USPS and I was told they had been having a lot of mail theft. I went to the bank and closed and opened accounts and the following day XXXXXX/XX/XXXX. I filed a claim with the USPS and I called all of the consumers and informed them of the mail theft and took care of my payments with my new account information and thought all was well. We are in the process of refinancing our house and on the credit report Bank of America reported us being 30 day late, which is affecting us from refinancing our home. I've called Bank of America numerous times, I spoke to XXXX on XX/XX/XXXX and she spoke to her manager XXXX and I was informed they were filing a claim with back credit office. I was told to follow up in a week, I called XX/XX/XXXX and spoke to XXXX and she was advised by her manager XXXX to fax over any documentation that I had regarding this matter and to call her to inform her that I had faxed over the information. I would constantly get her voicemail leaving messages and after several days XXXX called me back on XX/XX/XXXX, asking me what all had happened and he said unfortunately when I had called the first time and they wrote the credit department they did not include detailed information. XXXX told me he would then submit a new request. XXXX called me the following day informing me that my claim had been denied. He then explained that once it's been reported as a late payment it's difficult to reverse due to the auditors. I asked how is that my fault and that this is something we couldn't control, how can we control mail theft. XXXX said I had other alternatives ... he said I could of done banking online and automatic payments and he kept referring to his auditors. I am a consumer and I am being affected due to mail theft, something that was totally out of our hands and Bank of America saying I had other alternatives. The USPS has made it clear that they've been having issues since XX/XX/XXXX. I asked the Post Office why they haven't posted anything on the drop box informing everyone and I was told it is government property so they are not allowed to. We have lived in our home for 18 years, we have plenty of equity and all we are asking is that the 30 day late be removed and corrected with the 3 bureaus, XXXX, XXXX and 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 2020-05-14
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loancare bought out my mortgage from XXXX XXXX in XX/XX/XXXX without Escrows. Loancare added escrows to my account even though I showed proofed of insurance and paid annual taxes. I have been trying ever since to get the escrows removed as I continue to pay insurance and tax annual out of pocket. They have misapplied my payments for two years. I finally got some resolution in XXXX or XXXX only to have escrows added back two months later. I have called relentlessly speaking with 4 different managers since XX/XX/XXXX trying to get my account fixed. This has now messed up my credit and affected my life. I am always promised follow up and a resolution and never get it. The 4 manager and dates are listed below. They are " not allowed '' to give their last names. 
XXXX XXXX XX/XX/XXXX - left several messages XXXX ID # XXXX out of Pittsburg XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX Spoke with on XX/XX/XXXX, left messages XX/XX/XXXX, XXXX & XX/XX/XXXX. 
I call customer service requesting call backs due to " high volume '' and never receive a call back. Please help. I can not wait to be able to refinance and get out from under the worst mortgage company I have ever had to deal with.

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 2020-05-28
Company: DISCOVER BANK
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXXXXXX  XXXX XXXX XXXX, GA XXXX -or- XXXX  XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX -or- XXXX  Fraud Victim  Assistance Department XXXX XXXXXXXX XXXX XXXX, PA XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
Accounts : DISCOVER BANK XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report Proof of identity : Copy of Credit Report Fair Credit Reporting Act Section 605B [ PDF ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX is reporting several student loans incorrectly and more than once. They show the following loans as " Paid was 120 '' when in fact I had submitted my deferral paperwork on time and had even called several times to follow up and was reassured that it was in process and that there would be no impact to my credit. Loans : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, These also transferred and are being handled by a different company. It is duplicated and incorrect.

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 2020-08-30
Company: U.S. BANCORP
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I leased a XXXX XXXX XXXX with US Bank. I have returned the car almost 2 months back. Have not received the deposit / excess payment I have done of {$5500.00}. My account number is XXXX. My Name is 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 2017-08-03
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX, 2017, the company ( GC Services XXXX ) contacted a family member about a debt collection belonging to my wife. The family member felt harassed and was asked to divulge personal information about my wife. The family member declined to give the info. I then called the company and was told they would not give me their name or business information unless I verified my wife 's information with them first. I declined to give a stranger this information unless they verified the nature of their business. The woman I spoke to would not give me her name, company name, or whether or not she was attempting to collect a debt ; all clear violations of the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: EQUIFAX, INC.
State: VA
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: Other problem getting your report or credit score

Complaint:
I got a new car loan with XXXX XXXX XXXX in XX/XX/XXXX,  initially when I got the loan I tried to do it by myself but ended up needing to have a co-signer so I got a family friend that weve known for long to help me with it so he did. We were able to get the loan on a new XXXX XXXX XXXX and we both appeared on all of the paperwork for the car and the loan. After a few months I tried looking for at my credit report but even though my name was on the loan it just never appeared. I really didnt think much about it since I was just about XXXX at the time but now that Im XXXX I understand the importance of my credit report so I reached out to XXXX XXXX XXXX and asked if I could get copies of all the statements from the car that I received and also if I could possibly know why they decided not to report the car loan that was also on my name when the other person on it was definitely getting the loan on theirs. But the customer service representatives were of absolutely no help with anything and didnt know what I could do. The car has since been sold since XX/XX/XXXX a while after I got XX/XX/XXXX in Virginia. The reason Id like for the loan to appear on my credit report is because I feel like it would greatly benefit my credit report because that was the earliest loan that I have ever had and I made every payment early or on time for the duration of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2018 funds were transferred from my checking account by XXXX Transfer ( Conf # XXXX ) for 'XXXX  , XXXX . ' I called Bank of America & was told that I would not be responsible for this theft. Later I was told by BOA 's Fraud/Claims that an investigation would be done & claim # XXXX was assigned. OnXX/XX/XXXX I was told that my claim was denied as this transaction was consistent with previous transactions. A XXXX XXXX Sheriff 's report was filed ( # XXXX ). A claim " denial letter '' was received on XX/XX/XXXX stating that this transaction " was authorized by you '' ( me ). In another phone conversation I was told I had no other recourse. On XX/XX/XXXX I wrote to XXXX XXXX XXXX, BOA 's CEO. 
OnXX/XX/XXXX I received a call from XXXX XXXX ( Executive Fraud? ) who was to look into my claim, On XX/XX/XXXXI received a BOA fraud statement that I had requested several weeks earlier, completed it & sent it to BOA. On XX/XX/XXXX, XXXX XXXX told me that my claim was again denied. He said that reconsideration would only be given if my computer was found to have malware or a virus. A scan was done & no such virus or malware was found.

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 2021-02-25
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: Their investigation did not fix an error on your report

Complaint:
All 3 credit bureaus have received a dispute about the following 7 accounts ( Bankruptcy, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX ) SEVERAL times which states that the information is not accurate. It is clear from the credit report I have attached that these accounts are reporting differently with each of the 3 bureaus which confirms that it is not reporting accurately. 

Please help me to have XXXX, XXXX and Transunion following federal law and remove all information that is inaccurate or incomplete as per the FCRA.

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 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 that 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 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 2017-08-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax sent me a letter thanking me for reaching out to them to file a fraud alert, but I never ever asked them to put that alert on there, in fact, I spoke to them many times about incorrect information on my accounts but never about filing a fraud alert.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
As a Veteran and new mother I use apps that allow me to borrow money when needed for main necessities for my newborn daughter. PNC has changed their policies blocking and preventing me to use apps such as XXXX and XXXX that allow me to borrow money in emergency needs. This is not how banks should operate. PNC NEVER offered me any loans or credit in order to suffice to my emergent needs! If banking systems continue to do this I will be forced to withdraw all of my deposits made by the Department of Veterans Affairs and purchase short term bonds from the Department of Treasury so that my needs of having extra income. Because I am a XXXX Veteran I find that the banking institutions should and will no longer be able to use my money in advance to loan it to other customers!! If this continues I will request the VA to send my money to a separate account such as XXXX XXXX or XXXX because these corporations know how to treat me!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: TD BANK US HOLDING COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened my account on XXXX XXXX. As of today, it's been 135 days. I qualified for the XXXX bonus but never recieved it. I spoke with XXXX   representing td bank today, XX/XX/XXXX and shes only aware of a promotion for that for the first 60 days but my paperwork shows 90 days and it's what I was made aware of when I opened my account. I have had almost 1000 in direct deposit since opening. XX/XX/XXXX would of been my 90 days and all of my direct deposits were made from jobs by the end of XXXX.

Company response to consumer: Closed with explanation