BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-03
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 A FEW INACCURATE ACCOUNTS AND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I enrolled in a CARES ACT forbearance plan in XX/XX/2020. In XXXX i asked to be taken off forbearance and given the option to defer payments to the end of the loan. Upon agreeing to tbe deferment my credit score dropped 120 points. I called US Bank, my lender, and submitted requests to fix inaccurate data. 3 weeks later i received a letter stating it was reported properly. I than called all 3 credit bureaus. Each credit bureau, upon hours of digging deep into my credit found US bank did in fact report incorrectly. The supervisor of transunion his self sent my lender a escalated request to fix their reporting errors. US Bank still stated they were reporting correctly. There is no way for me to speak with the lenders credit reporting department as US Bank will not allow it. Today is XX/XX/2020 and my deferment is still not finalized, 2 months after signing the paperwork.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
MY ENTIRE IDENTITY WAS STOLEN ALSO USED IN BREACH COMPROMISED BY XXXX. WELLS FARGO ONLINE/BANKING USAGE BY MY FAMILY.

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 2022-04-05
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I tried closing my account, in XX/XX/2021 and TD bank said I needed to zero my account. Upon doing so, they stacked transactions in such a way that they could charge an overdraft on me, even if the transactions were clearly in an order that it shouldn't have been. They they prevented me from closing the account again. Upon trying to zero the account, they then charged me monthly fees. I tried to reinstate a balance to avoid monthly fees. Then zeroing account again in XX/XX/XXXX I was again charged an overdraft and was unable to close the account with a negative balance, which was exactly the size of the overdraft. Upon contacting them and trying to close the account again, they did not let me and insist on charging more fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-22
Company: EQUIFAX, INC.
State: PA
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:
hello, my name is XXXX XXXX. I am a victim of identity theft and did not make these charges. The items that need to be removed from my report are listed in my supporting documents. I do not know these companies. I have never done any business with this companies. These companies does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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:
XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX {$300.00} XXXX  XXXX XXXX XXXX/XXXX XXXX/XXXX {$600.00} I have never argued over that supposed debt item because there is no debt item. I have lived up to my agreement and nothing is owed by me. 

MY PROOF of adherence to the terms of the original rental lease is as follows : As per the original lease with XXXX XXXX dated XX/XX/XXXX Monthly payments of {$850.00} were due on the XXXX ( XXXX ) of each month, and considered late on the XXXX ( XXXX ) of each month. 
First of all, the lease payments during my residency did not ever total a monthly amount of {$900.00} ( {$600.00} plus {$300.00} ). Again, as the original lease reads, the monthly rent was a flat {$850.00} ( see attached ) Section 9. TERMINATION OF TENANCY BY RESIDENT Upon the first anniversary of this Lease, the resident may, at any time, thereafter, terminate this agreement by giving the Landlord a written notice of its intention to terminate. The tenancy is then terminated within thirty ( 30 ) days or at the end of the next rental month following receipt of notice, whichever is greater. 

DOCUMENTS INCLUDED : Page one of the Original XXXX XXXX Lease XXXX - Rental termination letter for XXXX XXXX XXXX - Rental payment/final payment for XXXX XXXX XXXX Rental payment for new residency at XXXX XXXX XXXX Rental payment for second month of new residency at XXXX XXXX I, as of yet, have not seen any valid proof of verification of this supposed debt. Nothing of what I have asked for in multiple certified letters has been furnished to me in any way. What I have seen displayed is YOUR willful refusal to provide proper verification as required by law. 

Where is YOUR proof of ACTUAL VERIFICATION of this supposed debt Item? 

Where is YOUR proof of ACTUAL VERIFICATION giving you the right to post this as a negative item to my credit report? 

Where is YOUR documentation! 
Since you have proven that you can not supply that proof, you must remove it 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 2021-05-17
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted this company many times, stating for verification of the debt. The debt does not belong to me and I have no idea what it is about. They keep saying its a hospital bill but dont have any documentations for me to review. I have also contacted all three credit bureaus and they also wont provide me with proof the debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received a call every day ( multiple times ) since last Wednesday from Radius Global Solutions, and this debt collection agency continues to call after I have notified them that I won't be able to do anything about it for another month. The bill in question is a surprise or balance bill from XXXX XXXX XXXX, and they debt collection agency is excessively calling me after I told them I wouldn't be able to pay it now. When I visited the emergency center to get XXXX after a wreck, I was ensured by the administration team that the place/providers were in my network, but I got this bill after the fact because they misled me. They also misled me to believe it was a urgent care center instead of an emergency room. The bill in question is now illegal in this state, and I have serious questions about the ethical nature of collecting this bill. I have about 15,000 dollars in debt, and most of it is medical debt. I know the collection agency has no idea of what the bill is for but their tactics have been excessive and most likely violating regulations. 

Medical Debt is hurting so many Americans and government is just now trying to fix the chaotic state of insurance, providers, and big pharma in this country. Criminal what the healthcare system is doing in the modern age to profit off of hard working Americans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
A {$25000.00} check ( check number XXXX ) that I gave to my sister was cashed by her on or around XX/XX/2018 with funds deducted from my checking account. I logged onto my online banking with BMO Harris this morning and saw that an additional {$25000.00} was deducted from my account, and the same check from XX/XX/2018 appeared in the image. I called BMO Harris and created a case for it to be investigated, but I'm extremely unhappy that there was no immediate resolution given the fact that BMO Harris allowed the exact same check to be used twice. I would think that most banks have technology or software to prevent this from happening.

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 2021-05-17
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have not heard from navient for a long time. All of XXXX I received bills stating that payments were being made. I know I was added to a law suit, but when I called they said my XXXX yr old mom had been making payments. She stated she made no payments. Then XX/XX/XXXX they started sending bills stating we owe XXXX. This is their negligence Don't send bills to 2  seniors citizens trying to collect on their negligence, plus I am a XXXX former XXXX worker with over 20 plus years of service, so I am dealing with that issue also. I became XXXX in my place of employment. I was never told within the year window of time to apply for retirement disability. I even submitted disability paperwork to Navient from my doctor. I lost my home and belongings behind all this. I have nothing. I have been actively been trying to find a federal position working from home which had been requested by my doctor years ago before he passed away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent in a letter to the company to have them validate the debt. I specially ask the to attach copies of agreement with their client that authorizes them to collect on the alleged debt, agreement that bears signature of the alleged debtor and a complete payment history on the account so as to prove that the debt amount they wish to collect is correct. They never sent me neither of those documents. The only documentation that they provided to me was a bill from XXXX billing date XX/XX/2018. THAT IS NOT PROPER VALIDATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Experian Information Solutions Inc.
State: TX
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:
XXXXXXXX XXXX opened XX/XX/XXXX amount {$7400.00} -FTC Violation JXXXX XXXXd opened XX/XX/XXXX amount {$5100.00} -FTC Violation XXXX opened XX/XX/XXXX amount {$300.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$320.00} - HIPPA Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$140.00} -FTC Violation XXXXXXXX XXXX opened XX/XX/XXXX amount {$900.00} XXXX FTC Violation XXXX XXXX opened XX/XX/XXXX amount {$3000.00} -FTC Violation XXXX XXXX XXXX opened XX/XX/XXXX amount {$4700.00} These are all inaccurate information on my credit report. This is a FTC Violation

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 2021-05-17
Company: AMA Advisors, LLC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in a repayment plan back in XXXX, XXXX and XXXX. I had {$1400.00} in my suspense account as of XX/XX/XXXX. According to my lender I failed behind I did not pay submit the payment with 10 days of grace. My grace has always been 15th days. Never I was told during a Forbearance period your grace period is 10 days. On XX/XX/XXXX a check was issued to me for {$1400.00} check # XXXX according to them. I never received the check. On XXXX the XXXX, I asked my lender to put a stop payment on the check and re issued another one. They have not re issued the check and I need the check in order to add to it to make a full payment. Every time I call, I am on the phone for hours and no one can tell me what's happening with the statue of the second check. I am a single mom trying to survive in this difficult time My account with Homebridge financial is XXXX they address is Homebridge Financial. 
XXXX XXXX XXXX, XXXX, NJ XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion LLC Consumer Dispute Center XXXX. XXXX XXXX XXXX, XXXX XXXX To Whom It May Concern : I am writing to update and correct my personal information on file with your company. 


Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all other addresses off my credit report as they are not accurate, and are not deliverable to me by the XXXX XXXX XXXX, and thus they are not reportable as per the FCRA, since they are not accurate. 

Sincerely, 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 2017-10-06
Company: Omni Group, Inc
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Called and reported to be from a law firm representing a company tryong to serve me with a summons. Then called both of my parents immediately after o did n't answer the phone and left the same message. I called back and they threatened to send the process server to my work and that I needed to take care of thos now. I told them I do n't know who the credit card was from and do n't even remember having it. They continued the tactics until i agreed verbally to a payment plan. Then they sent me a contract to stop the process. Once I had a few minutes to think, I checked the XXXX clerk of courts and there were no suits against me and then looked at my credit and thos was n't even listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: Social Finance, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I refinanced an FHA mortgage into a conventional mortgage in order to get rid of mortgage insurance payments. My lender is Sofi. When I contacted the lender, I was promised an interest rate of 4.375 %. I signed a rate lock document that guarantees that rate for 40 days. 

However, in the closing documents the rate was stated as 4.5 %. In the rush to sign all the closing documents I overlooked that and signed the papers. 

Do I have any recourse? 

Date rate lock Expires : XXXX XXXX, XXXX : Date closing documents were signed : XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was a victim of identity theft. I did not open credit card and notified company of that. The account should have been closed of further use. Instead I was hit with a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: EQUIFAX, INC.
State: GA
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:
Inhave accounts on my credit that i never created. Is this legal? I never applied or obtained any credit XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX {$0.00} Closed Hide closed ( 1 ) STUDENT LOANS XXXX XXXX Reported : XXXX XXXX, XXXX {$22000.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$250.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX {$300.00} Needs Attention XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$590.00} Needs Attention XXXX  Reported : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX   XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX   Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX/XXXX  XXXX Inquiry : XXXX. XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Information belongs to someone else

Complaint:
My identity has been compromised by a number of sources collaborating at once. Not only did i lose my wallet, i was also a victim of the XXXX   breach as well as the dark web. The following accounts both unknown and unauthorized I'm demanding to be removed and blocked from my credit files. 

1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX XXXX  6 ) XXXX XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX-XXXX  10 ) XXXX/ 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 2017-10-06
Company: ID Analytics, Inc.
State: TX
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 2017 i received a denial letter from a bank and one of the so called credit reporting agencies was XXXX XXXX XXXX. who are these people and where to they get the authorization to have all of my credit information. they also say that my credit score is atleast 200 points below everyone else. They also say that have too many delinquencies, which i do n't, limited history for consumer at this phone ( if they are talking about my cell phone number that i use i have had for over 20 years ) the number of accounts with delinquency and not enough bankcard debt experience.

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 2017-10-06
Company: C&F MORTGAGE CORPORATION
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Please attached to complaints filed on XX/XX/2017. Complaint No ( s ). : XXXX ( XXXX ) and XXXX ( XXXX XXXX XXXX  ). Document will be notarized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bank of America has shut off communications ( see Exhibit 1 ) and has refused to correct its mistaken duplicate lien that it added onto the subject property. Bank of America has failed to submit a title insurance claim to XXXX XXXX ( see Exhibit 2 ). 
Bank of America points its finger at XXXX. However, XXXX, the mortgage servicer only, was not the responsible mortgage note holder that created a duplicate erroneous lien ( see Exhibit 3 ) Bank of America was. Moreover, XXXX is a company that is out of business, and the fiduciary of XXXX corporate corpse accepts no responsibility ( see Exhibit 4 ). 
To repeat, Bank of America acquired the $ XXXX mortgage, for which the complainant has been paying for ever since then as part of her consolidated mortgage ( see Exhibit 5 ). But Bank of America, obligated to ensure that its new lien/mortgage didnt duplicate another lien/mortgage, failed to do so ( see Exhibit 6 ), leaving the complainant with extensive damages!!

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