BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-03
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:
THE ACOOUNTS/INQURIES LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY CARD AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAs. On XX/XX/2021 I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NY
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: Investigation took more than 30 days

Complaint:
I disputed with the credit bureaus, telling them I was a victim of identity theft and that these accounts are not mine, therefore it should be removed. But I never received a response, it has been 60 days since then. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had a 5 year XXXX  XXXX with XXXX XXXX. It matured XX/XX/2020. I started the process to have it moved to an XXXX  savings account at XXXX XXXX  on XX/XX/2020. 
The transfer request has been submitted by XXXX XXXX 2 or 3 times and all other information has been given to XXXX XXXX. I have talked to their financial advisors at XXXX several times. On XX/XX/2020 I was told that the transfer would be made within 24 to 48 hours. The amount in question is over {$100000.00} The transfer has still not been made.

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 2018-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I opened this account and I was saving little by little. I work XXXX   XXXX .. a man with whom I worked for gave me a check and I immediately called the bank to see if the check was good. They kept laughing and hanging up .. when I drove to the bank the lady called the cops and told me that the check was bad. She then closed my account and reported me too XXXX XXXX FOR FRAUD. # 1. How was it fraud if the person gave me the check? How was I supposed to know? 
# 2 she called my brother a XXXX XXXX XXXX and said she would have him XXXX XXXX * COMPLETLY UNPROFESSIONAL *.. I waited for the cops and they said for me too just call the corporate because that was ridiculous.. I want MY NAME CLEARED FROM XXXX XXXX   BECAUSE NO MONEY WAS EVER CREDITED FROM THAT CHECK AND I DIDNT SPEND ANYTHING AND I DID NOTHING WRONG!! Complete disrespect and I have had all my banks CLOSED DUE TO HER REPORTING ME!!!! Crazy

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 2018-12-11
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I contacted Citibank to check account bonus eligibility to make sure I did not have account within 180 days and was eligible for bonus before opening account. They confirmed I would get a {$400.00} bonus for Open a new checking and savings account in the Citi Account Package and complete the following requirements : Within 30 days of opening your account deposit {$15000.00} new-to-Citibank funds into the checking or savings account. A minimum of {$1500.00} must be in the checking account and a minimum of {$100.00} must be in the savings account. 
Maintain a minimum balance of {$15000.00} in your eligible linked checking and savings account for 60 days I have screenshot of my chat with a representative on XXXX XXXX to confirm completion and credit of my credit on XX/XX/XXXX Account funded XXXX and completion on XX/XX/XXXX. 

After calling representative XX/XX/XXXX they opened a case to research the issue and resolve issue. I called for follow up on XX/XX/XXXX and representative said I no longer qualify for bonus.

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 2018-12-31
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX cancelled my points for non use. They said they could not notify me that I was at risk of losing these, because they did not have an notification agreement on file from me. The total points cancelled was XXXX miles. They cancelled my miles around XX/XX/XXXX, and I just found out about this last week after I called to find out how many miles I had. In addition I flew with XXXX XXXX XX/XX/XXXX, paying for my ticket, so not clear why they would cancel my miles. I am a senior citizen and been a member of this frequent flyer program for decades. 

When I spoke to someone from XXXX XXXX last week they said they would only add XXXX miles back IF I flew with them in the next 6 months. This is not acceptable.

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 2018-12-11
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: ND
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/XXXX I submitted a complaint that Bayview Loan Servicing failed to report the correct date of 1st delinquency. Bayview responded onXX/XX/XXXX that the date was correct. On XX/XX/XXXX, XXXX  responded to their complaint verifying that the date of first delinquency wasXX/XX/XXXX and was removing the account ( copy attached and also in CFPB file : XXXX ). Bayview failed to contact XXXX, who owned the loan prior to them, and falsely and fraudulently reported that the information was correct when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: AMERICAN EXPRESS COMPANY
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the American Express XXXX XXXX XXXX ( XXXX ) on XX/XX/2022 and was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-24
Company: Navient Solutions, LLC.
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: Personal information incorrect

Complaint:
I contracted XXXX, XXXX, and XXXX on XX/XX/2018 and XX/XX/2018 requesting personal information be updated and provide documents in support of my request. 
I.M FILING A COMPLAINT BETWEEN XXXX XXXX XXXX XXXX, AND XXXX  XXXX AND XXXX. I HAVE REACHED OUT TO XXXX, XXXX AND XXXX TO TRY AND HAVE MY PERSONAL INFORMATION UPDATED SUCH AS MISSPELLING OF MY NAME, OLD ADDRESSES, INACCURATE PHONE NUMBERS, ACCOUNTS THAT SHOULD NOT BE SHOWING AS OPENED ON MY ACCOUNT AND I HAVE ALSO ADVISED THEM OF HARD INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT REPORT THAT I DID NOT AUTHORIZED. ALTHOUGH XXXX DID WORK A LITTLE WITH ME, THESE ITEMS ARE STILL APPEARING ON MY CREDIT REPORT. THIS IS GETTING RIDICULOUS. MY DISIRE IS TO HAVE THE OUTDATED AND FALSE INFORMATION DELETED FROM MY REPORT. 

I file a dispute with XXXX and XXXX  if reference to XXXX XXXX XXXX about a {$3300.00} on my account. I also sent XXXX XXXX XXXX a register letter disputing this posting and asking for verification of debt. Enclose is the information that they forward to me from another company. They provided no documents showing I have any debt with then, also XXXX XXXX XXXX failed to notify the XXXX  or XXXX of the dispute. XXXX is reporting inaccurate information in reference to XXXX XXXX, they are reporting the date of the last activity instead of the date of first delinquency. Im requesting these items be deleted 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 2020-06-30
Company: JPMORGAN CHASE & CO.
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:
Name : XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX I did not apply for any credit card through Chase bank. In XXXX, I noticed an account activity on my credit score for a balance that I do not owe. 
I have never had to apply for a Chase Bank credit Account. I only have a joint checking account with chase bank ( opened in XX/XX/XXXX ), not a credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I noticed an account on my credit files reported by XXXX XXXX XXXX for an account with The XXXX XXXX. After contacting CCS they sent a bill from XXXX showing that I had auto insurance with them. 

I have never owned the vehicle that was covered by this insurance and I never lived at the address the insurance company has on file. 

In attempting to resolve this with both CCS and XXXX none are willing to help.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At the start of the pandemic, I contacted my then mortgage servicer ( XXXX ) to suspend my mortgage payments for 3 months. I'm a freelance writer and was nervous about the impact of the pandemic on my income. 

The mortgage includes PMI. 

At the end of the forbearance period, I was given the option to pay off the total of the skipped payments or extend the payments out to the end of the term. Again, due to uncertainty, I chose to extend the payments. 

The mortgage was recently sold to Mr. Cooper. Loan number : XXXX. I contacted Mr. Cooper to inquire about dropping my PMI as I am very close to ( or have hit ) 80 % LTV. Mr. Cooper told me that because the loan was modified and the terms changed, I would need to have 50 % LTV to have PMI removed. 

I was never informed that the loan modification would impact PMI. I've called several times to ask about PMI, and was most recently told that I could not have it removed. 

I don't believe that my forbearance -- and I am totally current on my mortgage and have never missed a payment -- should impact PMI. I would like PMI to be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA/HIPAA VIOLATION INACCURATE MEDICAL BILL WITH XXXX XXXX XXXX APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # 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 2018-04-24
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX put a hard inquiry thru on my equifax report that I did not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started the year off by checking my credit report and I found a whole bunch of stuff on it that was not mine and a lot of stuff that was just not true so I sent some letters into all three bureaus and I have yet to hear anything. Its been along time and I just don't understand it. I called and told them about it and they were very rude. It was hard to get someone on the telephone. I want this stuff removed from my report as the FCRA says because this is some total catastrophe. Please make them abide by the 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
Consumer complaint received 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
THESE ACCOUNTS ARE REPORTING IN ERROR ON MY CREDIT FILE. PLEASE REMOVE NOW.

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 2021-01-20
Company: The Bureaus, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi XXXX XXXX XXXX XXXX XXXX ; Happy New Year! 
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX sold the Account to Portfolio Recovery Associates, LLC. Postal Money Order # XXXX given for Accord and Satisfaction of Account Ending # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been reporting on my credit files for nearly 7 years now. My husband died XX/XX/2011 which is why I was unable to continue paying for it. My income was reduced because his income stopped after he died.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: CORELOGIC INC
State: OH
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:
I have some issues with my credit report I have a unverified accounts and a Bankruptcy that is not accurate on my credit report, Under the Fair Report Credit Act, you are required to comply with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY. My name is XXXX XXXX. I am self employed the following addresses are not mine please delete remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX The following account Chapter XXXX Bankruptcy XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX  XXXX XXXX I am in the process of buying a new home and all of this information is not accurate. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete, you have violated federal law. I expect you to make a re-investigation immediately. My social security number is XXXX DOB XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended the school and couldn't afford to keep going I dropped out of the school before the next semestar began and did the exit review in their financial aid office to not allow more money to be taken out for a loan. But, they took out the money anyway for the next semester and they are now not even contacting me to get this resolved. I have called them over five times and every time i called they were in a meeting which was their excuse. I even went to the school office and they did nothing either saying the same answer the person i need to speak to is in a meeting or on lunch etc. They sent this over to a collection agency even though they told me that I wouldn't get charged for the next semester. This is fraud and further ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28
Company: Financial Credit Service, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX from XXXX XXXX XXXX XXXX ( XXXX ) or ( XXXX ext XXXX ) called me at work and told security it was an emergency and then told XXXX XXXX it was an emergency and they were coming to serve me at work today at XXXX. Because of this I was suspended for the rest of the day because it was not an emergency. When I called back was told that they could call me at work anytime, because I supplied my phone number. The lady was very argumentative. Did not even get to discuss what the debt was for. The XXXX XXXX department even has a voice mail where XXXX is stating they will be at my job to serve me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
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:
US DEPARTMENT OF EDUCATION has violated x 15 USC 1692 by continuing collection activity after a cease and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When my mortgage was originated I was promised a lower fixed rate, but at closing the rate changed. I was unable to afford the higher payment, and was advised by the servicer " I can't tell you not to make the payments, but we have no reason to negotiate with you if you are current '' Of course that was then represented in my credit report, but more horrifically, they sent notices to my ex-wife, who used that to force my hand in a child custody battle, causing me to negotiate a horrible compromise, and ultimately loose custody of my children.

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