BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the XXXX security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies. 

As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

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 2023-01-12
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX is an incorrect address. Not my address

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 2023-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
They are reporting this account and have removed it and put it back on my credit report, there was no letter to me within XXXX  days why it was put back on, this is a violation of FCRA. I need that letter and I need the documents that they say verified the entry. 
The company has never verified or validated this debt. I need the full investigative report, period. 

THIS XXXX  IS IN COLLUSION WITH THE DEBT COLLECTOR AND THEY ARE BOTH IN VIOLATION OF FCRA AND XXXX. 

MY RIGHTS ARE BEING VIOLATED.

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 2020-04-09
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, its subsidiaries and or counterparts but not limited to, has attempted to collect on an unverified alleged debt not owed. This company, its subsidiaries and or counterparts but not limited to, has made harassing calls and or written communications but not limited to. This company, its subsidiaries and or counterparts but not limited to, then illegally filed a lawsuit without ever having spoken with alleged consumer and then impersonated an officer of the law who spoke to believed associates concerning alleged debt.THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO, REFUSED SERVICE FOR A COMPLAINT.This company, its subsidiaries and or counterparts but not limited to, willfully and purposely reported illegal inaccurate credit reporting and defamatory statements but not limited to on alleged consumers credit.This company, its subsidiaries and or counterparts but not limited to, failed to follow FCRA 609 as demanded 43 times by way of certified mail.NO CONTRACTS WITH SIGNATURE HAVE EVER BEEN PRODUCED.ALLEGED CONSUMER KNOWS OF NOTHING THAT SUPPORTS THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS THAT ALLEGED CONSUMER OWES THEM ANY MONEY. THEREFORE THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO IS TO REMOVE ANY AND ALL ILLEGAL INACCURATE CREDIT REPORTING AND ILLEGAL DEFAMATORY STATEMENTS, BUT NOT LIMITED TO, IMMEDIATELY BY THIS COMPANY, ITS SUBSIDIARIES AND OR COUNTERPARTS BUT NOT LIMITED TO.

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 2021-06-08
Company: CITIBANK, N.A.
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:
I am a victim of identity theft. The accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police 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 2020-11-05
Company: Specialized Loan Servicing Holdings LLC
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
After receiving my XXXX XXXX Benefits, I was finally able to reinstate my loan. A mediation date was scheduled with my lender. 

XX/XX/XXXX At the mediation my lender would not work with me and would take nothing less than the total lump sum amount to bring my loan current. No rules, regulations, or explanations where provided. The decision was made solely because " they just didn't want to ''. 

XX/XX/XXXX I received a bank statement stating, as of XX/XX/XXXX, the total reinstatement amount is {$46000.00}. It also stated, " if payment is received before XX/XX/XXXX, {$0.00} late fee will be charged. 

XX/XX/XXXX I ask for and received a letter with the full reinstatement amount. As the amounts preciously received were different by phone, then by letter, the online. In the letter now the " new '' reinstatement amount was {$47000.00}, an increase of {$1400.00} XX/XX/XXXX I paid the " new '' reinstatement amount of {$47000.00} XX/XX/XXXX I received a bank statement reflecting that I now have {$2500.00} of unpaid fees, with an additional {$510.00} already credited. A subtotal of {$3100.00} of " Total New Fees Charged ''. 


Corresponding with my lender, the answers to my questions have been explained inadequately. 

1. Why does my lender 's XX/XX/XXXX reply to my XX/XX/XXXX inquiry addressing these issues have a breakdown of the " Total New Fees Charged '' subtotaling {$5200.00}? I asked about this unexplained, arbitrary amount in my XX/XX/XXXX inquiry. There was no adequate explanation in their XX/XX/XXXX response, just a revised breakdown of the " Total New Fees Charges '' to match their claim of {$2500.00}. 

2. An analysis was done to calibrate my reinstatement amount shown in the XX/XX/XXXX letter that I asked for. Why, after I paid the total reinstatement amount was there another analysis done on my account developing " Total New Fee Charged '' of {$2500.00} on my XX/XX/XXXX bank statement? The XX/XX/XXXX letter clearly states " the next analysis of your escrow account is scheduled for XX/XX/XXXX ''. 

3. My lender acknowledged " inadvertently stating that SLS received a payment of {$47000.00} ''. After I sent them proof of my {$47000.00} payment. Do these " inadvertently '' mistakes and arbitrary amounts arise with all SLS clients, or just me?

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 2023-01-12
Company: EQUIFAX, INC.
State: MD
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; not withstanding, there are still a few accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( XXXX ). ( A ). 

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 2017-09-19
Company: EQUIFAX, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax security breach, where my personal information was sold/stolen/given to unauthorized parties, I have been attempting to place Credit Freezes on my personal accounts with the ( 3 ) major Credit Agencies.
As of this writing, no less than 18 hours of phone/computer time has been invested over the last 4 days trying to reach any/all of these agencies. No Luck.
My personal information is out in the open ; websites are crashing ; phones are not answered and I am being held hostage by ( 3 ) Credit Bureaus who have no  interest in assisting me while my 25 years of diligent financial effort is vulnerable. 

I need to be able to reach a PERSON on the phone who can assist me with placing freezes on my credit. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. I found that under section 605b ( a ) Equifax and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I logged into my checking account to find my {$640.00} to be placed on hold and showing it as a deduction. This money was from XXXX XXXX XXXXXXXX XXXX acting account. I reached out to Bank of America via chat and they had no idea why or how long it would be on hold. They could not help me. Please keep in mind, I have had this account and funds for over XXXX XXXX in my 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX Account # 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 an account without my written instructions.

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 2020-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE LATES AND CREDIT INQUIRIES THAT DONT BELONG TO ME. PLEASE I WAS SICK I CALLED XXXX THEY SAID THEY WOULD UPDATE I HAVE SEVERAL INQUIRIES FROM XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  aLL ABOVE IQUIRES ARE NOT MINES

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 2021-04-27
Company: Herbert P. Sears Co., Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am being charged for a bill collected from XXXX  XXXX that was paid off. HP Sears XXXX claims that i never paid off the bill, which I did. My current balance is of {$590.00}. I live off Social Security not making more than {$1000.00}. XXXX  XXXX store attempted to take advantage of people by giving them high prices and interest rates. I called HP sears to provide me with a receipt or statement that shows what i owe. They stated that they send it to XXXX XXXX. Why should i pay off something i never used? Account number is XXXX. Amount supposedly owe is {$590.00}. 

Phone number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: Ocwen Financial Corporation
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan matured onXX/XX/XXXX and I was not informed by the company, PHH of this issue. I received no phone calls and no other correspondence from them, and they continued to take my payments for 4 more months until they said they could not and I needed to pay {$55000.00} immediately. I have been working with them to get a loan modification, but that process has been rife with incompetence and straight up lies. 

The customer representative, XXXX, sent me a letter on XX/XX/XXXX saying my application was complete and good to go. On XX/XX/XXXX I was told the application was not complete and I needed to provide more documents. On XX/XX/XXXX I was told of a new set of requirements, and again on XX/XX/XXXX. Finally on XX/XX/XXXX after talking to XXXX, a supervisor I was told of another new requirement which she says they knew about since XX/XX/XXXX, but never told me. 

I have been told my account is a top priority, but that is not true. I was told my account would be expedited, but again, not true. PHH has delayed my loan and pushed my credit further down making it impossible for me to get a loan from another lender, forcing me to deal with them. I can only imagine the interest rate I may get, if I ever get through this process. 

All I want to do is to pay the now balloon portion of the loan and to fix my credit, but PHH keeps changing the requirements I need for the application. Their actions scream of being predatory at the least, a scam at the most and incompetent throughout. When asked if this has ever happened before I was told no, so I feel this is a case of discrimination against me as a person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have reached out to Equifax over 10 times, trying to gain access to my personal credit account and to place a security freeze on my personal account. Each time I contact Equifax they advise me to send proof of my SSN, name and date of birth. I have provided this information over and over. Over 6 months ago, I just want access to my personal credit account and I need a security freeze placed immediately to avoid fraud. because my account is blocked at the equifax.com website they will not allow me to submit the request to freeze my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2017-09-19
Company: EQUIFAX, 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: Account status incorrect

Complaint:
It has been four months and credit reporting agencies have not deleted all unauthorize inquiries and accounts that was included in bankruptcy chapter XXXX 
Bankruptcy chapter XXXX was filed on XX/XX/XXXXand Discharged by Federal Judge onXX/XX/XXXX 
Credit reporting agencies are reporting my credit scores at 574 and why my credit scores has been dropping as I only have two active accounts XXXX XXXX XXXX of {$40.00} a month and XXXX XXXX XXXX of {$480.00} in which vehicle loan payment was reduced to {$440.00}. 
Equifax and XXXX has 26 unauthorize inquiries that needs to be deleted permanently. 
XXXX has only two authorized inquiries and XXXX has deleted all unauthorize inquiries from my credit report.Why Equifax and XXXX are discriminating and Retaliating against me as a XXXX US Citizen and Military Veteran. 
I am XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Transunion, XXXX or XXXX are neither complying with their own policies in a timely manner. 
I have made several attempts to contact via phone and mail and incorrect information is still being reported on my credit report. I have not received any information validating the 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 2023-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My bill was due XX/XX/XXXX for XXXX. I have autopay. I went ahead and paid my bill online early on XX/XX/XXXX for XXXX for the first time in ever. Normally I have to move funds around the day or so prior to the day autopay processing but this time I recall having a busy few days prior to the due date coming up so I decided to do it early. Capital Ones default rule is that if you have autopay and your remaining statement balance is {$0.00} or lower due to early payments or credits, it will draft your current balance at that time. In my case it was XXXX XXXX So without my consent and according to their default rules they drafted an additional XXXX XXXX leaving my business checking out empty and getting assessed NSF charges of {$100.00}. When I called Capital One to ask them to resolve this, they insisted they could only refund the extra XXXX XXXX payment over the next 15 days. That wouldnt work for me and my business.

Company response to consumer: Closed with explanation