BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-26
Company: AES/PHEAA
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Showing fed loan servicing account from over 8 years ago on credit report showing I owe a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Showing XXXX XXXX XXXX account from over 8 years ago on credit report showing I owe a balance

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 2021-12-03
Company: NAVY FEDERAL CREDIT UNION
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 navy federal credit union will not help me any way someone tried to open an account using my name and information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: LEXISNEXIS
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
on XX/XX/2023 I requested my report from LexisNexis and I have not been supplied any documentation electronically or physically via USPS mail. When I returned to the website to attempt to resubmit my report, I received a warning stating that I could not submit my request even though all of my information is the same. This prevents me from cleaning up any and all data that doesn't belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have requested numerous times to provide me with the correct information and they have ignored it. This debt does not belong to me and asked for them to verify that it does and has failed to do so on many occasions. 

Upon further research, this account was transferred / sold and I am no longer responsible for the account. Debtor creditor did not verify this collection. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA ( PORTFOLIO RECOVERY ASSOCIATES ) has violated my rights as a consumer and Im requesting legal action to remove this account immediately. 

The only information provided is for the following XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX If the account was opened on XX/XX/XXXX why do I not have all the statements and payments as I have asked many times. 
How come I havent gotten anything that shows this was actually mine with my signature. 
No proof of license in my state as asked No contract providing my signature or sold receipt showing it was sold from the original credit. 

Also these account is also being inaccurately reported on my credit reports with multiple different information across all 3. 

Information provided from PORTFOLIO RECOVERY ASSOCIATES XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Sale done XX/XX/XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX Statement with due date of XX/XX/XXXX Previous Balance XXXX new balance XXXX XXXX Refuses to investigate XXXX Refuses to investigate Summary showing sold XX/XX/XXXX Opened XX/XX/XXXX Letters sent from me to the company for validation XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I believe Bank of America misappropriated over {$4000.00} when I refinanced and can not account for that money. In XX/XX/XXXX my wife and I refinanced our existing mortgage with BoA. We were previously BoA customers as well. As part of the refinance we were provided with a Closing Disclosure. That disclosure outlined the various costs associated with closing our new loan. Among those costs were " prepaids '' that included property taxes ( {$4600.00} ). This prepaid amount for property taxes was intended to cover our Q3 tax payment to our township and were separate from property taxes intended for escrow. We paid {$3000.00} towards our escrow account for property taxes. After closing on our new loan, we received a notice from our township in XXXX that we were delinquent in paying our Q3 taxes. This was concerning given our closing disclosure clearly stated that part of our closing costs were prepaids intended to cover this tax payment. After getting in touch with BoA via their main number, we were able to have the tax payment processed on XX/XX/XXXX but in order to process the tax payment, BoA proceed an escrow advance of {$2100.00}. Again this was concerning given the prepaid property tax payment was intended to cover our Q3 tax payment and it was not supposed to come out of our escrow account. Since that escrow advance and tax payment in XXXX, I have been trying to get in touch with someone at BoA to explain why we were assessed an escrow advance and where our prepaid tax payment of {$4600.00} went. I have opened numerous cases with BoA, have called our closing processing officer ( XXXX XXXX ), her boss ( XXXX XXXX ), his boss ( XXXX ) and left numerous voicemails without a call back. I have also called the escrow department several times and recently was able to connect with a manager ( XXXX XXXX ). Ms. XXXX notified me that she would look into the issue after discussing this issue with me for over an hour and gave me her direct line to follow up. Since that call, I have attempted to contact Ms. XXXX over a dozen times and have left numerous voicemails and have not received a call back. I strongly believe that BoA misappropriated our Q3 prepaid tax payment and can not account for its whereabouts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent a letter last XX/XX/XXXX, in 3 credit Bureaus to remove the unauthorized inquiries that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any inquiries not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX - XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired XXXX XX/XX/XXXX, XXXX XXXX Inquired on XX/XX/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 2018-03-04
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX has been placing a debt on my credit reports since XX/XX/2016 of a bill that is not mine. I have called billing and even sent them a cease and desist order. They in turn send the bill to the collection agency of Transfinancial last year and removed it and now as of XX/XX/XXXX it is back on my credit report as a collection. This is not my debt but a debt of someone else. I called XXXX XXXX XXXX XXXX   XXXX billing and they said they removed my name from the bill but will not contact the collection agency to have the bill removed. I asked them for a letter stating the account was being removed from my name and they refused to send me a letter. I called the collection agency and they stated they refused to remove the bill from my name even though I explained to them it is not my bill. The representative told me that she was not removing the bill and said she was going to ruin my credit. I told her that that was not legal and I worked for a law firm and advised her that her company could be sued for purposely not removing the account that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. CAPITAL ONE XXXX Date Opened XXXX XXXX, 2017 Balance {$2400.00}, please update this right away. See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX acct # XXXXXXXX XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX, XXXX & XXXX acct # XXXXXXXX XXXX XXXX XXXX  acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX  XXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX acct # XXXX XXXX XXXXXXXX XXXX acct # XXXX these accounts has violated my rights, 15 USC 1681 section 602 A states i have the right to privacy.

15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c section 604 ( A ) ( 5 ) section states. No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: STATE FARM BANK, FSB
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For over 4 years I have had an ACH set-up to take my payment. State Farm Bank recently took back the servicing of the loan and removed my from ACH. They did this because of a chapter XXXX that was filed almost 5 years ago and is set to discharge in XX/XX/2018. To make it worse, they stopped ACH and I rec 'd only a couple of days notice before payment is due. This is about as poor of a job as a mortgage company can do to help a consumer. All they had to do was nothing. The payment would have continued to be received automatically for years to come. Very disappointed in State Farm Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My insurance has been cancelled for my home as of XXXX XXXX. It is supposed to be paid by escrow. It was originally due XX/XX/2020. I have spoken with and have sent muliple emials to escrow. My insurance company has spoken with them. Escrow tells me that they need the correct policy information, but they will not tell me what it is. They say they have told XXXX, but after speaking with XXXX, they in fact do not know. They refuse to tell anybody what it is that they need. {$490.00} is currently owed. {$480.00} for the insurance and {$10.00} for the late fee. I have paid all of my mortgage payments with this company and they are up to date. I have provided them with a copy of my marriage license because my maiden name is still on the loan, I have provided them with a copy of the letter stating the XXXX address change, and I informed them by phone that there is a new policy number due to the fact that this property is now a rental. We moved into a home we inherited and my stepchild moved into the property in question.. This same situation happened last year and my insurance didn't end up getting paid until XXXX of this year for last year. I sent my marriage license over when the last invoice was due. It was supposed to be taken care of then. Here we are again. I can't get through to anybody who is willing to help me and they are refusing to pay my insurance with my money!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " I have the right to Privacy ''. 15 U.S.C 1681 section 604 A section 2 " It also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purposes.

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 2023-03-27
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 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

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 2020-08-03
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX  XXXX {$500.00} XXXX  XXXX {$500.00} XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-04
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I purchased a {$5000.00} CD for 1.24 % from People 's United Bank on XX/XX/XXXX which was scheduled to expire XX/XX/XXXX. I received a phone call from the bank representative about a week before the expiration telling me that I could roll over the CD at the going rate, or close out the CD and come into the bank with ID to collect the money due. I was about ten days " late '' when I went to the bank and was told that I could not close out the CD and it's earnings without a fee of {$100.00} which is more than the {$80.00} the CD earned AND that the CD was automatically renewed, but at a rate of 0.04 %! The bank representative asked me why I did not respond to the letter sent to me with this information but NO LETTER was ever received AND the banker who called me never told me that the renewal rate on the roll over would drop from 1.24 % to 0.04 %.

I believe I should have received a letter explicitly stating that the rate would drop and the bank person should have told me this. I asked to simply change the CD to a better rate but the bank refuses. This is not proper. I would like to file a formal complaint against People 's United Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing is clearly manipulating what goes to principle and what goes to interest. This is show in their monthly statements. Anybody running a amortization schedule for XXXX fixed rate loan at XXXX term of 180 months amortized over 360 months can not have a payment of XXXX that the entire amount goes to interest. That is mathematically impossible. Yet, my payments does exact that as shown in statement for XXXX XXXX. I am around the XXXX to tenth year of loan. What is prevent this company from saying one cent goes to principle and rest goes to interest. This practice must stop before more consumers are harm by possible illegal practice, which force people into balloon payment when their settle statement might say else wise. This has been going for months

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
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: Account information incorrect

Complaint:
on XX/XX/2021, i wrote XXXX about a inaccurate item that they are reporting that needs to be deleted and it has been a month without any response.i sent Equifax letters on XXXXas well for unauthorized inquiries that i didn't authorized and asking for them to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: UT
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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, and XXXX has violated my rights. 

15 U.S.C 1681 section 602.A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single mother of XXXX. I work full-time and I'm in school studying to be a XXXX XXXX. I'm hoping to be certified by the end of the year. I am struggling with my mortgage payments. I am 4 months behind and I'm concerned I'm going to lose my home.

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