BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; CHILD SUPPORT ENFORCEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX , XXXX XXXX, FL 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 2017-11-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 information incorrect

Complaint:
I have a bank of America secured visa card where I have deposited {$5000.00} to obtained the visa card with {$5000.00} line of credit to improve my credit score. That card is being used occasionally and I pay it in full every time I use it. As far as I knew there was no yearly fees in the card since I have multiple bank accounts with bank of America. 

I worked really hard on my financial situation for 5 long years to improve my credit score to XXXX since I was trying to get a mortgage loan. Without my knowledge and without any correspondence bank of America imposed $ XXXX yearly fees on the secured visa card. Since my balance was XXXX I was not getting any statements from bank of America. As I submitted my loan application for mortgage and checked my credit score I see bank of America reported to credit bureau my account is delinquent for 60 days for {$39.00} dollars and my credit score dropped to XXXX I spoke to bank of America and they are non cooperative, so I paid that {$39.00} dollars and the account still showing 30 days delinquent. I have a XXXX balance on the card and it 's hurting my hard earned credit score. I should not be responsible for fees on a XXXX balance secured visa card which was imposed without my knowledge and without any sorts of communication. Please tell bank of America to undo the credit bureau reporting to reflect my original XXXX credit score and I will happily close the secured visa card account. Thanks for looking after innocent victims and consumers.

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 2019-09-23
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
It says on there website that if we want to get a loan dismissed to provide proof via transcripts or a letter from the school. I provided Official transcripts from the XXXX XXXX XXXX School Board that shows that i never graduated high school and they keep saying that is not enough. There asking me to get a letter from my school that says i never graduated High school and after speaking with the high school they stated thats against the rules of the states and they can only provide a letter of my entry and exit with gpa the same my transcripts say, but the transcripts are more detail as to saying i never received a High School Diploma. I feel as if there really not trying to assist me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2020 I had unauthorized credit inquiries

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 2020-06-24
Company: EQUIFAX, INC.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items 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. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX CO, XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX F XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Experian Information Solutions Inc.
State: AZ
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 applied for a credit card On XX/XX/2019. When I deciding to apply for a credit card I accessed the XXXX major bureaus and unlocked my accounts. 
The issuing bank sent a letter explaining that when attempting to get a credit report that Experian indicated that the credit report was not accessible. 
After receiving the letter from the bank I rechecked my account with Experian and found that according to my account website my credit report was unlocked, only after attempting to lock and unlock again did I find that there was a security freeze applied. I was informed that I would need to call Experian to address the security freeze. 
When I called the number provided the automated answering system would not recognize my inputs whether I typed them or spoke them. I have not been able to resolve this issue with Experian as I have not been able to get past their automated system.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Santander Consumer USA Holdings Inc.
State: NE
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:
It has been brought to my attention that there are multiple XXXX   days+ late payments being reported on my credit report for my account with your company. The month of XX/XX/XXXX, XXXX, XXXX, and XX/XX/XXXX are reporting as late. I am not sure why these months are showing as late, however ; paying my account on time is very important to me as I am working very hard to improve my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I went into an HSBC bank to change my name after I got married. While there, the banker told me he would send the forms to my phone. I clicked and signed where he told me to sign. A few days later, I checked my account and saw that a credit card was opened in my name. I called the banker and he said we had discussed opening the card even though that never took place. He then told me not to worry because it was a soft pull. My husband called the banker, XXXX XXXX, later who then changed his story to say it was a hard pull, not a soft pull. We tried to resolve the issue through the bank but they are saying there was no error. The bank manager even tried to convince us to keep the card because the benefits are so worthwhile.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Flagstar calculated my annual escrow statement as though it would pay my municipal property taxes out of escrow in XX/XX/2019. However, my municipality has not had an XXXX due date for taxes in at least the past 10 years ( as far back as easily-accessible public records go ). The municipal property taxes are due in XX/XX/2019. The difference between using XX/XX/2019 and XX/XX/2019 as the disbursement date results in a {$1700.00} difference in escrow " shortage. '' This calculation still accounts for the XXXX month " cushion '' Flagstar is allowed under RESPA. 

In prior calls to the XXXX number, XXXX of Flagstar insists that the municipality is " a late release date city ; '' therefore, Flagstar will continue to operate as though the taxes are paid in XXXX. However, Flagstar 's practice is a violation of RESPA because it is effectively increasing its " cushion '' beyond the lawful rate. In fact, any argument by Flagstar that it should be allowed to calculate the annual escrow analysis using an XXXX payment date is nullified by the fact that it already has a two-month " cushion. ''

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 2020-02-03
Company: Experian Information Solutions Inc.
State: NC
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:
Appeal cfpb Re Experian continual changing of my US LEGAL NAME on my credit reports Experian has changed or is using 7 numerous SEPERATE reported Names ON SEPERATE CREDIT REPORTS to report SEPERATE DIFFERENT credit history all contain fraud information I was sent a new name credit report dated XX/XX/XXXX with a name XXXX XXXX XXXX XXXX XXXX as per attached screenshot report # XXXX Less than 30 days prior they reported me as XXXX XXXX XXXX XXXX XXXX XXXX report # XXXX REPORTING a fraud address of XXXX XXXX XXXX XXXX Virginia ... being added after I put a XX/XX/XXXX freeze on my credit reports thru XXXX identity theft protection services online.. 
And then XXXX XXXX XXXX XXXX via email listed as EXPERIAN And then XXXX XXXX email from USA experian support email as XXXX XXXX XXXX XXXX XXXX with a membership ID # XXXX account thru experian basic credit works company email  XXXX XXXX - ( XXXX ) XXXX XXXX report # XXXX on XXXX XXXX XXXX dispute XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX report # XXXX that I pulled after being denied a loan due to my identity theft registered with the FTC and reported identity theft and fraud activities in my names addresses phone and SSN # as per experian documents in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-07
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: Was not notified of investigation status or results

Complaint:
I have been waiting for the investigation results from XXXX, Experian and XXXX regarding this account : XXXX XXXX Account # XXXX but it has been more than 45 days and I still haven't received any response regarding my dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
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: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT AND BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I subscribe to XXXX XXXX and was informed by them that Equifax is showing that XXXX  XXXX did a Hard Credit Report on me without my consent on XX/XX/2018. I do not have an account with XXXX XXXX. I suspect that this may be the start of an Identity Theft case. I would like to lodge a complaint against XXXX XXXX. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM 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 explanation
Consumer complaint received 2019-09-23
Company: Selene Finance LP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Loan Servicer : Selene Finance LP Selene Finance Agents Spoken to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Problem : Unable to reach a resolution regarding my mortgage that doesn't entail foreclosure In XXXX of 2016, I went on medical leave. By XXXX of 2016, I found myself unemployed while I was still on medical leave. Up until 21 months ago, I was able to keep up with my mortgage payments until all of my savings, checking and XXXX were depleted due to medical expenses. 

I signed a modification agreement in XXXXXXXX of this year. The terms of the reinstatement of the mortgage was contingent upon the settlement I was due to receive. I advised the Selene Finance agent ( XXXX XXXX ) at the time that the settlement would be confidential and I could not guarantee that I would be able to cover the balloon payment. 

The settlement was not enough to cover the balloon payment and I advised XXXX XXXX of this information. He has asked me several times to send the paperwork regarding my settlement to Selene Finance disregarding the number of times I have told him that the settlement agreement was confidential and I can not advise anyone of its terms. 

When I asked Selene Finance who owns my mortgage loan, they would not give me that information. I had to go to the county courthouse to find out. Unfortunately, the owner, XXXX XXXX XXXX XXXX XXXX XXXX XXXX entrusts all of  the mortgage decisions to the loan servicer. In my case, Selene Finance LP. So, I am back at square one dealing with some of the most unhelpful individuals. 

Despite numerous futile attempts to have a mortgage resolution with Selene Finance LP, they remain unhelpful and uncooperative. They have advised me that the investor does not want my home but, they ( Selene Finance ) do not want to work with me to help me stay in my home. 

I have asked if the outstanding balance be tacked on to the end of the loan and the terms of the mortgage lengthened. Their answer - no. I have asked if there is any amount that I could pay besides the outstanding balance to remain in my home. Their answer - no. In my opinion, they do not want to help me at all. 

I am trying to get back on my feet after being sick for the past 3 years and suffering a severe financial loss. All of my efforts to work with the Selene Finance LP agents listed have fallen on deaf ears.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Midwest Recovery has made numerous attempts to collect a debt that I no longer owe. They list several accounts under my name with an original creditor of XXXX XXXX XXXX XXXX First of all, the original provider failed to bill Medicare per contract. After the statutory time elapsed to file a claim, the original provider turned over the accounts to collection. I settled this account for a lesser amount with an earlier collection agency in order to remove it from my credit report. That agency represented XXXX XXXX and was called XXXX XXXX. There is no further obligation on my part -- if Midwest Recovery purchased these accounts, it was to their detriment as the accounts were settled long ago. 

I have asked Midwest Recovery to validate the debt and they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: EQUIFAX, INC.
State: RI
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:
Equifax is the only credit bureau reporting a 60 day late for my XXXX XXXX XXXX   account number XXXX. They are reporting a late XX/XX/2019 and XX/XX/2019. The mortgage was paid in full in XX/XX/2019. XXXX and XXXX are not reporting this. Also, XXXX is not reporting this. I created a dispute which has a confirmation number of XXXX and the 60 day late still has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: Colony Brands, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Incorrect information on my credit reports Such as XXXX XXXX I believe you help me over a year ago with this they had sent me a letter tell me they're going to remove it and never did I contacted them again and it could be another 30 days you just been a run around with them back and forth including wrong information on my credit reports from all three agencies it is impossible to get any credit car loans anything

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
have XXXX of the credit cards with chase bank and this credit card was told about 7 years ago that was closed and no longer available to use, but i have been continuing making payments to this credit cards, I have sent letters to stop charging those high interests in the account with no luck they have continuing charge high interests month by month and increasing the minimum payment to put in perspective I have paid close to 1500 dollars this 2017 year and only have made a reduction in what I owe by XXXX dollars they have pocketed XXXX XXXX dollars in interests only this year I come to a point where could not made minimum payment anymore and they have doubled and tripled the minimum payment This is unsustainable to my poor economy. I need your help is really closing this account and they stop charging interest and lower the minimum payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2019 I notified Experian about some in accurate information on my credit report. There is one account that is not mine and 9 inquiries that is not mine and did not give permission to the creditors to access my report. 
I filed an electronic dispute with my picture ID attached. They were unable to or unwilling to correct my credit report with the proof I provided which is a picture I with a signature. That could be used to confirm my identity with creditors. Im requesting these items be removed per federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation