BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off on BANK OF AMERICA account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions Inc.
State: MA
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:
How are you? Im extremely upset and shocked about the way this charge-off on XXXX  XXXX XXXX account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

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 2020-10-25
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On or around XX/XX/2020 HP Sears has added a collection to my account without any notifications. This collection has previously been removed from my credit reports for not having served the proper documentation as well on or around XX/XX/2020 and XX/XX/2020.

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 2020-11-03
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Someone used My personal Information without my Consent these account are Fraud Accounts that I did Authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Bank of America now two months in a row. Since they did a system upgrade when I make a payment on my mortgage I am not being issued a statement. I receive my statements electronically to avoid issues in the mail. I am concerned as I pay more then the minimum and they have already screwed up my escrow account asking for a large deposit with weeks notice only to refund most in as it was an error on their end within weeks. My trust that my funds are being applied correctly has been effected and the long wait times to get a statement are then compounded with associates that cant figure it out and being transferred numerous times. Please help it should not be so hard to see that my payment is being handled properly.

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 2020-05-14
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: Information belongs to someone else

Complaint:
I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was made aware of several accounts on my credit report that are in negative standing today XX/XX/2020 because I was denied from getting a personal loan. The reason why I didn't know that these accounts were appearing on my credit is that none of them belong to me. All of these accounts were opened in my name without my permission but I have no information about who opened these accounts. I did not benefit anything from these accounts such as money, goods, services, or any other benefit and I have never made any payments towards any of these accounts. I do not have a relationship, contract or agreement with any of the companies listed on this report and I have already filed a police report regarding all of these unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
fraudulent XXXX XXXX account still reporting on my Equifax after XXXX XXXX took account out my name. Equifax is refusing to remove this fraud XXXX XXXX account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Regional Management Corporation
State: SC
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:
In XX/XX/XXXX i was notified that Regional Finance reported to the credit bureaus that an account that is paid off as having a balance of {$1100.00} and 30 day late remark. That IS NOT TRUE! I paid this account in full on XX/XX/XXXX, I have bank statements showing the funds deducted. Ive received the title for the vehicle I paid off. The company had already updated the account to a XXXX balance and payoff date to the credit reporting agencies. This company has violated the Fair Credit Reporting Act by reporting this account twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-27
Company: FIDELITY CAPITAL HOLDINGS, INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a Stipulated Judgment with Fidelity Capital Holdings , Inc, a California corporation, dba XXXX XXXX XXXX XXXX XXXX signed on XX/XX/17 ( attached ). It states that payments will be made on the XXXX of each month. There is no mention that automatic payments are required each month. I have paid on time. I did allow them to automatically process payments from the initiation of the agreement until last month, when the card I was using expired. I paid with a new card last month and told them that I'm not agreeing to auto payments any longer, but will provide payment on or before the XXXX each month. I called this morning and made the XXXX payment ( today being XX/XX/XXXX ) and was told by XXXX XXXX at Fidelity that if I don't do autopay going forward, they have the right to execute on the judgment. I don't believe this is legal based on the language in the Stipulated Judgment. 

Additionally, they are reporting this account negative each month as a collections account. While it is accurately categorized as a collections account, it should reflect " paid as agreed '' as I am making the payments on time per the Stipulated Judgment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
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:
I've reached out to XXXX  with three letters with no response at all.

I also sent letters to transunion, XXXX  and XXXX  asking for them to verify certain accounts with the following law below but no proof was sent by any collection agency or original creditor.

" You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: ARVEST BANK GROUP, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for and received a mortgage forbearance under the Federal CARES Act with my prior lender XXXX. My mortgage is a XXXX XXXX backed mortgage. After granting the forbearance, XXXX immediately sold my loan to ARVEST Central Mortgage Company. ARVEST failed to recognize my forbearance and sent me repeated collection notices stating I was past due, despite the CARES act forbearance that was effective on my loan prior to ARVEST buying the loan. 

I notified ARVEST multiple times via phone and in writing about my forbearance granted by XXXX. I also requested of both XXXX  and ARVEST that the amount subject to forbearance be placed at the end of my loan as provided by XXXX XXXX guidance and the CARES Act. I completed paperwork for such deferment and submitted to XXXX in XX/XX/2020. Nevertheless, ARVEST continues to send me Mortgage statements and bills stating I am overdue, in default, and subject to foreclosure. Every time I call to speak with ARVEST, I get the run around or statements that conflict with the written collection notices and bills. 

I am trying to refinance my loan with XXXX XXXX, but they will not proceed while ARVEST states I am past due. 

Despite my repeated efforts, I am unable to get ARVEST to grant the deferment for which I qualify under federal law, nor will they correct my account. 

I am requesting assistance from the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: Clarity Services
State: VA
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:
iI CALLED CLARITY SERVICES INC TO DISCUSS WRONG PERSONAL INFORMATION ON MY CREDIT REPORT. THE PERSON WHO I TALK TO PUT ME THROUGH ANOTHER BUT I FELT MY INFORMATION WAS NOT GOING TO GET CORRECT. ON PAGE 6 WHERE IT SHOWS PERSONAL INFORMATION MOST OF THAT IT NOT MY ADDRESS AND I NEVER HAD BEFORE. MY NAME IS XXXX XXXX  XXXX OR XXXX XXXX I DONT GO BY THE NAME XXXX XXXX XXXX WHICH WAS REPORTED BY XX/XX/XXXX. I NEED TO HAVE THIS NAME REMOVE OFF MY CREDIT FILE .HOME ADDRESS XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND XXXX XXXX  XXXX XXXX VIRGINIA XXXX THESE ADDRESS I DONT USE AT ALL. MY CURRENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX AND BEFORE IT WAS XXXX XXXX XXXX XXXX XXXX XXXX VIRGINIA XXXX WITH THE ADRESS OUT LINE I WANT THEM REMOVE OFF MY FILE. WORK ADDRESS XXXX XXXX XXXX XXXX VIRGINIA NOT MY WORK ADRESS WHICH WAS REPORTED XX/XX/XXXX HOME PHONE NUMBER XXXX XXXX I DONT USE THHESE PHONE NUMBER ANY LONGER AND WOULD LIKE IT TO BE REMOVE DATE OF BIRTH XX/XX/XXXX IS NOT MY DATE OF BIRTH AND I WANT THIS TO BE REMOVED MY CURRENT DATE OF BIRTH IS XX/XX/XXXX THERE ARE TWO PAY DAY LOAN ON MY FILE FROM XXXX XXXX XXXX XXXX WHICH WAS OPEN ON XX/XX/XXXX I HAVE NEVER OPEN ONLINE ACCOUNT BEFORE NOT IN XX/XX/XXXX AND I AM DISPUTING THIS ACCOUNT AND I WANT THIS TO BE REMOVED OFF MY CREDIT FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14
Company: CITIBANK, N.A.
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/2019 a charge of XXXX was made to my credit card. I called the company and they cancelled the old CC number and issued a new number and I was told that the fraudulent charge would be cancelled. It wasn't. A new CC was issued and the fraudulent charge was added to the new card. 
I called the company 's security again around XXXX XXXX and I was advised to skip any more payments. I skipped a payment and then I received a letter dated XXXX advising me that the payment was past due, so I paid a double minimum due payment. I called the the company 's security again and I was told that the original security representative had made a mistake and the time period for resolving the problem would take another 90 days. It's been about 90 days, and I am still having to pay the minimum due each month.

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 2020-12-01
Company: ALLY FINANCIAL INC.
State: NY
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019 ALLY FINANCIAL CARD add a hard inquiries on my credit report per XX/XX/XXXX. 
But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2018-09-25
Company: EQUIFAX, INC.
State: NY
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 I have 2 items on my credit thats not mines. XXXX XXXX and XXXX  XXXX. and multiple inquiries. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX It way too many inquiries to count. I have not applied in a long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: Volvo Car Financial Services U.S., LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
In XX/XX/XXXX I leased a Volvo XXXX from XXXX XXXX XXXX. When I signed the lease I asked to move my XXXX plate XXXX from my old car to the leased car and it was done. The plate that was on the leased car was XXXX plate XXXX. 
In XX/XX/XXXX I moved to XXXX and changed the registration on the leased car to a XXXX plate. 
Volvo car financial services ( VCFS ) kept getting the bills from the town of XXXX XXXX for XXXX plate XXXX. In XX/XX/XXXX VCFS started sending me bills for the excise tax that they received from the town of XXXX for XXXX plate XXXX. 
I never leased a car with plate XXXX XXXX and I didn't own a car in XXXX since XX/XX/XXXX so I don't see why I have to pay for a plate I did't own in a state I wasn't leaving in since XX/XX/XXXX. 
I paid VCFS for XX/XX/XXXX of the XXXX bill since I lived 7 months in XXXX in XXXX. 
I would like VCFS to stop sending me bills for the mistakes they made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Investigation took more than 30 days

Complaint:
Do you want to be the " last man standing ''? XX/XX/XXXX andXX/XX/XXXX have deleted the incorrect items, ( sent via XXXX XXXX. This is precedent. If you do not delete the incorrect items on my credit and raise my score accordingly, ( to what it was ), I will be filling a lawsuit against you on XX/XX/XXXX XX/XX/XXXX, naming both Transunion and XXXX XXXX directly. As previously stated, it will be small claims, no lawyers allowed, and Mr. XXXX will have to make an appearance since he will be personally named, and I will sue you for XXXX 


YOU HAD 30 DAYS AND DID NOT INVESTIGATE. PER THE FAIR CREDIT REPORTING ACT YOU MUST DELETE THIS INFORMATION.

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 2020-09-12
Company: Experian Information Solutions 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 recently reviewed my credit history and noticed inaccurate accounts and inquires that are not to my knowledge. I did not inquire nor did I authorize any of these businesses to access my information for any reason at all. These are fraud accounts because they weren't my doings by any means. I would to see these accounts removed as possible.

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 2021-05-21
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:
I was applying for a mortgage and my score was dropped after the 1st inquiry. I have 14 days to apply for mortgages before it affects my credit score. It should be counted as 1 inquiry at the end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
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: Personal information incorrect

Complaint:
My name is not correct and too many old addressees that are not mine I have a letter attached to explain

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 2020-07-14
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Today, XX/XX/2020, I am finalizing a XXXX XXXX XXXX XXXX due to Covid-19 and the company managing and likely transferring the grant needs to  transfer the funds into my PNC account if awards. I tried to sync the small business group with my PNC bank account so the funds can be dropped into my account but PNC denied access.

Company response to consumer: Closed with explanation