BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: SYNCHRONY FINANCIAL
State: SC
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 my credit report, I have a hard inquiry by XXXX, whos description is National Credit Cards/Airlines. After calling XXXX XXXX, they kept giving me the run around, tons of transfers to different specialists, and finally given a fake number to call. Tried to get back in touch, a different operator told me the only thing they can do, is to have me call the bureau ( XXXX ) whom told me to call XXXX XXXX   and get an inquiry deletion letter and mail them the copy with numerous other things. Although XXXX XXXX will NOT give me one since they do not know me or have an account with me. 
Also, they have no clue about the description National Credit Cards/Airlines so that just made everything even more confusing. Im in a circle of being told to call people over and over.

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 2021-11-04
Company: LEXISNEXIS
State: MD
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:
There is a bankruptcy reporting on my Credit Report from XX/XX/2020 listed as Discharged. Bankruptcy case number XXXX. It should be listed as Dismissed. I sent a supporting document that shows that it was ineligible for discharge which means that it was dismissed. It is verifiable through XXXX  and calling the trustee. This is easily fixed and when I submitted a previous dispute and they said it is reporting accurately. That is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
There are 6 inquiries listed on my transunion and XXXX report that I DID NOT authorize. I called transunion and XXXX to dispute and both crediting agencies would not remove the inquiries from my credit report. 

The following 6 inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/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 2019-05-30
Company: Experian Information Solutions Inc.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
XXXX XXXX AT EXPERIAN CONSUMER AFFAIRS NOW MUST UPDATE XXXX  XXXX XXXX TO REFLECT DEBT SOLD/TRANFER/COLLECTION ATTORNEY OUT OF JURISDICTION. REPORT NO.XXXX, LOAN NO.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 2020-01-20
Company: Mr. Cooper Group Inc.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been paying every two weeks on my mortgage - In essence I am double paying 2 times a month the same amount {$1400.00} which is my understanding what is due monthly. On all payments, I mark excess to principal and spoke to the mortgage company multiple times to ensure that I was set up on bi-weekly payments. 

The still continue to hold one of my payments and do not apply payments but 1 time each month. 

The show me paying a total of {$26000.00} to them in XXXX when I actually paid {$36000.00}. 

The principal for my loan is {$1100.00} and escrow is {$960.00} ( {$2300.00} overpaid ). I have been making double payments for 5 years now and they continue to show me late and charge me late fees when I pay XXXX  monthly for 60+ months. The principal balance on my loan is {$220000.00} ( 18 years later ) - the original amount loaned was only $ XXXX in XX/XX/XXXX. 

In addition, they told me they modified my loan to lower my payment but just noticed that they extended my payments to XXXX ( originally XXXX ) without my knowledge nor consent. 

I asked an attorney to write letters asking for documents and explanation and still have not received any responses. 

My balance is no where close to what the amortization should be for a loan that I have been paying on for now 18 years. 

They are applying way too much to escrow, not paying my additional principal amount but suspending amounts, charge late fees, extending my payoff date and not responding to issues and complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CCS Financial Services, Inc.
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:
Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: DISCOVER BANK
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:
I was a victim identity theft. I tried to work with the creditor back in XXXX but they refused to work with me on any level. After several years I have spent many months repairing my credit. I hired a credit counselor and a credit/XXXX  attorney as well. My personal information along with several credit card numbers which include the account in question was found on the dark web. Several purchases were made by someone other than me with the account. I have sent a letter to the creditor on XX/XX/XXXX ( signed and delivered ) informing them of what information has been found, the police report filed with the local police department and the report filed with the Federal Bureau of Investigation as well. They have sent me a response stating they will not remove the negative remarks from my credit file stating I opened the account but not referencing the identity theft of fraudulent purchases I spoke of. I sent another response on XX/XX/XXXX ( signed & delivered ) stating everything again and letting them know they have not addressed my original concern and I have not received a response back. I have also sent all this information to the three credit bureaus and two out of the three of them have removed the marks already. XXXX   has not responded to my request nor have they removed the remark. XXXX  and XXXX  have both responded and both removed the negative remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: MA
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:
To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX  XXXX, XX/XX/2021 ), ( XXXX XXXX XXXX  XX/XX/2021 ) I did not authorize anyone employed by these companies to inquire and view my credit report. This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account ending in XXXX Case number : XXXX Complaint number : XXXX We have many accounts with BOFA and today we received terrible service with the claims department. Was on hold for a while and then hung up on. Long story short we are disputing a small transaction. We provided EVERYTHING the claims dept asked for and they are asking for additional information the is impossible to obtain. They want a letter on letterhead from someone who is not involved in the dispute, how does that make sense? 

We submitted pictures and letters for this claim and apparently its our fault that the color photographs we uploaded at BofA.com show up black and white, which is why the claims dept is asking for information WE CAN NOT PROVIDE. I find this highly unusual that Bank of America can not help us with this situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-18
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 status incorrect

Complaint:
I have contacted the credit bureau Experian, and XXXX   by certified mail to verify the accuracy of the accounts they claim I owe a balance to. They were last contacted on XXXX XXXX, 2018 and numerous times prior to that via certified mail. Since then, they continue to reply that they have verified that the account belongs to me with no valid proof.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX  XXXX {$5400.00} DEPTEDXXXX  XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX {$130.00} XXXX  XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}

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 explanation
Consumer complaint received 2019-01-08
Company: ENCORE CAPITAL GROUP INC.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
XXXX, XXXX, XXXX  XXXX attempts to collect from XXXX individuals with federally protected, exempt funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19
Company: WELLS FARGO & COMPANY
State: CA
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 sent this company my disputes on XX/XX/XXXX with full details on what accounts were erroneous and I needed to be removed. The account I disputed was linked to somebody whose last name is XXXX who lived in XXXX XXXX XXXX # XXXX XXXX XXXX XXXX, CA XXXX. 
In the dispute, I attached documents to proof that The name and address wasnt mine. I attached my Identity documents as proof of my address and Names which categorically differentiate from the person on the account that was supposed to be mine. 
But to my surprise, this company refused to delete this account even with the overwhelming evidence from my identity documents. For yet another time, this account is not mine and I need deleted immediately : WFHM ACC # XXXX, Date Opened XX/XX/XXXX, Original Balance {$350000.00} Attached here with is the dispute letter I sent this company, my Proof of address where I have been living since then and my Driving License which states my names fully. Any name thats not on my Identity documents is not mine.

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 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
XXXX stole my wallet. He then created a fake check of XXXX $ and pretending to be me went into a bank of america teller 3 times atm 2 times and cashed it in my checking account. I had just a few dollars in it at the time. It bounced but he was able to get XXXX $ out of b of a being me. Well i tried to fight it. I went to my branch spoke to mgr and she said to call fraud department 2hrs pater she told me to call the bad check dept. 2 hrs later still at b of a. I got nowhere. She and the people on the phone treated me like a criminal victimizing twice. 
They reported me to XXXX XXXX  and XXXX  as fraud. Closed ckg and savings down. Ive never been able to open either account types since. I was forced to use XXXX  cards whose bz practices are shady causing much more theft as they dont have live people at branches to descern verifying face to face. And practise fraudulant holding funds ( interest they get on my money ) for weeks sometimes i wasnt able to access my money left from theft. Im filing on XXXX after this. I want to tyke a polygragh to prove innocence. I need standard bank for any loans so denied. No car no house no bz nothing i can leverage without accnt. I keep hoping to be cleared of this but noones helping. The damages and colateral damages are over 3 million after 4 .5 years. 
I said to roll archive tapes he isnt me. Hes 2inches taller less 35 lbs. Please help clearing my name

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 2018-09-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management Services refusal by Rushmore to appraise house for cancellation of PMI I have written 3 letters to Rushmore as per their instructions, requesting an appraisal of my home to cancel the PMI. Each time I send in the request, they arbitrarily deny it, stating my home value is not 20 % value to loan. They are refusing to appraise the house for its new value post improvements. Each month I continue to lose money because my loan " service '' refuses to provide service.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/2018, I called to Financial Credit Network collection company to address a collection account from XXXX XXXX   XXXX XXXX. 

So in the first contact, a representative said they will be able to remove the collection account from my credit report once the I pay the balance in full. 

So in a second call in the same day, I spoke with a different person and before making the payment she advised me they won't remove the collection account from my credit report because they tried to contact me in the pass in different times, I asked the reason why the company changed mind if in my first call the representative told me they will be able to remove it. I asked for more information about the account because that is not a fair tactic to collect a debt, I asked the date when the company sent an initial written notification about this debt because I never had the chance to dispute the account, and the representative recognized they sent an initial notice but, the USPS returned in different times. 

After all, I asked for a debt settlement, and they won't make a settlement they just want to collect the full balance used an abusive language just because I asked for a settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Franklin Collection Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The account has been reinserted onto my credit report after previously being deleted under a previous company XXXX with a report date of XX/XX/2021 in the amount of {$770.00}. This is a request as authorized by the FCRA. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: LEXISNEXIS
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:
XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX bankruptcy XXXX all ftc violations needs to be removed

Company response to consumer: Closed with explanation