BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-19
Company: Financial Business and Consumer Solutions.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1000.00}. I believe I appreciate FBCS, Inc. originally XXXX accepting about {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I have twice XX/XX/18 and XX/XX/18 to have my consumer file updated and they keep reporting the same incorrect information. 

They have names, addresses, insurance companies and a bankruptcy that doesn't belong to me in my consumer file. 

I am not sure whom they are verifying this with but it is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXXXXXX is violating my right per fcra please delete off my credit report attach is the court order

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 2023-04-17
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:
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 items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX Balance : {$6500.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$1600.00} ; XXXX XXXX XXXX XXXX : {$590.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX {$6500.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX  ( Original XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1600.00} XXXX XX/XX/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 2018-12-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am a XXXX  that qualifies for the public servant loan forgiveness program. I am trying to find out how many qualifying payments I have made toward the 120 required payments. I called in XXXX of 2016 to get an answer and have called repeatedly with no success. They keep telling me that they working on finding out, but my file is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
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:
I've asked the Credit Bureaus to do a verification of collections XXXX XXXX XXXX XXXXXXXX XXXX  Account # XXXX on my Credit Report and they STATED that everything was accurate, I did do a thorough research myself and found improper inaccuracies on Credit Report even after they did an investigation. 
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my rights 15U.S.C 1681 Section 602 A. States I have 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 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 2020-01-24
Company: RoundPoint Mortgage Servicing LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX i receive a notification from Round Point that there was a problem with the insurance on my home Round Point had bought the mortgage in XXXX of XXXX and did not notify the insurance company of their purchase of the mortgage so the billing and payment were not sent At this time I immediately called my insurance company and a new binder was sent to Round Point to remedy this situation I received my bill from Round Point this month and the payment had increased XXXX dollars per month I immediately called the company and spoke to the representatives They informed me that the escrow had changed because of the insurance The representative XXXX had told me that my insurance had not been paid and that round point had placed forced insurance on me I asked why this was and they stated that they had changed address and never received the bills from my insurance company so they were not paid The representative stated that they had called my insurance company and had not heard from them They also stated that they had sent me letters They also claim they made 1 call but I never received this call This all supposedly happened in early XXXX They also state that they sent a letter but I do not remember ever seeing a letter Admittedly at this time I was recovering from XXXX XXXX and my brother in law died suddenly and we were occupied with those affairs At no did my bill change for the mortgage The bill was paid each month in full on an automatic payment along with an additional amount in case any escows changes The first I have heard of the insurance is when I called after receiving my XXXX bill Round Point placed the forced insurance on the account at a cost of XXXX dollars The cost of the insurance through my insurance is XXXX dollars This can only be considered predatory I spoke with the representatives and the company refused to refund this money despite the customer service reps stating that the problem was caused by round points change of address and not notifying my insurance company The company stated that I had had that insurance on my property for 222 days i did not know because there was no change in bill and no other attempts were made after making no contact in XXXXI offered the company XXXX dollars which would have been the cost of the insurance if they notifications to either myself or my insurance company were received and they refused charging my escrow account over XXXX dollars

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 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Upon paying my credit card off that Ive had with capital one for a year now once I made a payment the payment was posted and withdrawn from my personal checking account for {$160.00} as well as {$150.00}. This payment was posted from capital one to XXXX XXXX XXXX XXXX. On XX/XX/XXXX  I went to a branch to speak to a teller which referred me to a representative who then told me she had no information on my account was closed and she was not allowed to provide any response on a refund or reimbursement of the payments that were taken from my checking account. Ive had this account for 1year now and Ive never in my entire lifetime missed a payment or a bill Ive even paid this bill weeks in advance of its due date just for them to try to steal my money and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I have tried numerous times to make payments to pay off my loan. They were unwilling to negotiate and have rejected my payments on several occasions

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-25
Company: NAVY FEDERAL CREDIT UNION
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:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT.

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-31
Company: DISCOVER BANK
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Around XX/XX/2021, my Discover Card was being declined. I had just paid the balance in full. When I contacted them I was given very evasive answers and given a number to call the next morning. In the mean time I tried to gain access to my account online. It was denying me access. When I did call the number the next morning I encounters more avoiding of my questions, yet was able to uncover that Discover wanted to " just verify the information I had given them was correct. '' I asked what reason they had to think it wasn't, my account is paid on time in full. Then an email comes demanding I grant Discover access to my IRS  filings and if I do not they will shut off my credit in 5 days. No warning no reason, just a {$19000.00} credit line gone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting 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:
Multi people have had used my personal information XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maybe even 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 There are multiple people on my credit report that I don't know of again these are multiple police reports and they have forged our marriage license as well sending mail to previous addresses that didn't have cameras XXXX XXXX XXXX XXXX tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX home loan under my XXXX XXXX XXXX XXXX XXXX. XXXX has worked for the IRS has a master in accounting she does income tax. There Money laundering through other people XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in XXXX etc they have copies of my driver 's license and social security card duplicated. She has been caught in XXXX for drug trafficking stolen cell phones under my information XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. 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. Please let me know if you need any other information from me to block this information from my credit report. Thank you.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 non-monetary relief
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Many times I've mentioned being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the consumer 's identity ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of such information; and ( 4 ) the consumer 's statement that the information is not information relating to any transaction by the consumer. 
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 2023-05-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had checking and savings account was with Bank of America last 10 years. Someone made a deposit {$2500.00} through online without my knowledge. 
I try to explain the BOA agent he is very arrogant- from closing department and his name is ( XXXX ID # XXXX ) not qualify to work for Banking so Would like to bring charges against him to abuse his power to unlawfully!!! 

My account details Routing No : XXXX Wire Routing : XXXX Savings Account : XXXX Domestic XXXX XXXX : XXXX XXXX : XXXX Checking Account : XXXX XXXX XXXX XXXX XXXX. Last 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 2019-12-19
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 have been trying to dispute these items on my own with the companies but i havent had any success.Please delete and block these two accounts for my credit report : XXXX XXXX XXXX {$3400.00} XXXX XXXX {$1200.00}

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 2019-12-19
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
In a recent check of my credit score, I noticed that PHEAA is reporting a default on a student loan that they say I took out in XXXX. After asking for validation and verification, I finally received a " Promissory Note '' that looks good until you get to the borrowers signature line. The promissory note that they forwarded to me, was not signed by me or anyone else. The borrowers signature line simply contains a bunch of numbers that look like my social security number, birthdate and other meaningless numbers. 

After receiving the promissory note, I took it to my attorney who agreed that a promissory note needs a signature by me in order to be a valid, enforceable contract. In order for PHEAA to recover on this promissory note, it needs to prove that the defendant ( me ) signed the promissory note, they need to prove that PHEAA currently owns or holds the note, and they must prove that the loan is actually in default. Therefore, PHEAA MUST provide me a SIGNED promissory note, as well as other documents showing an unbroken chain of assignment from the original creditor to the plaintiff. 

On XX/XX/XXXX, I was informed that PHEAA has now forwarded this debt to a collection agency. This action has added thousands to the debt the say they own. My lawyer and I are giving PHEAA 30 days to provide us with a signed promissory note, as well as the documents showing the unbroken chain of assignment. If those documents do not arrive, we are prepared to present evidence to a judge in common pleas court.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon 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 non-monetary relief
Consumer complaint received 2022-10-18
Company: EQUIFAX, 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 previously sent a dispute letter to the Credit Bureaus and I immediately noticed that the Credit bureaus have done nothing! On XX/XX/2022, I sent a letter to the Credit Bureaus requesting that they remove the items which I believe to be opened due to identity theft, after seeing that there are still fraudulent accounts and information being reported on my Credit File despite the numerous dispute letters and CFPB complaint I have been submitting. I believe I was a victim of Identity theft since the accounts that I have been disputing were not familiar to me neither did I authorized anyone to open these accounts on my behalf. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are expected to remove any accounts and information that resulted due to identity theft within the time allotted by law. It is unforgivable for the Credit Bureaus to be ignoring a consumer 's request to remove the disputed accounts from her Credit File. I am submitting this CFPB complaint to let the Credit Bureaus know that me and my legal counsel is willing to file a lawsuit against the Credit Bureaus for their willful non-compliance with a Federal law causing a consumer to suffer from inaccurate information reporting on my Credit File. I also asked the Credit Bureaus to provide me copies of proof of verification since the Credit Bureaus have been claiming that the disputed items are verified and yet they have sent me nothing. I have reached the peak of my patience and this will be my last CFPB complaint before I will take legal actions against the Credit Bureaus. Once again, I am requesting to the Credit Bureaus to remove the following items in which I believe to be opened fraudulently : 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 response to consumer: Closed with explanation