BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: MN
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : 1. Verato/Dept of Justice on XX/XX/XXXX 2. Experian Business Cred on XX/XX/XXXX 3. XXXX on XX/XX/XXXX 4. Jpmcb Card on XX/XX/XXXX 5. XXXX on XX/XX/XXXX 6. XXXX XXXX on XX/XX/XXXX 7. XXXX XXXX XXXX on XX/XX/XXXX 8. XXXX on XX/XX/XXXX 9. XXXX XXXX XXXX on XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance.

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 2021-10-12
Company: MUFG AMERICAS HOLDINGS CORPORATION
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 checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXX XXXX and MUFG Union Bank. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}. The Account Opened is MUFG Union Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2019-06-13
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I inquired with Navient, my current loan service provider, in XXXX of XXXX about Public Service Forgiveness. At that time I believed I was under student loan forgiveness, under President Obama 's order. I was informed that I was not. I was put on the path by NAVIENT to consolidate my student loans under a new program that qualifies for public service loan forgiveness. I did everything I was asked to do and provided all information I was asked to provide in order to be considered for student loan forgiveness as a public servant. I have been a public servant since XXXX, long before this order was issued by the President. 

Two years later ( XX/XX/XXXX XXXX I discovered that I was not under the appropriate " Income Based '' loan and that I was not under " XXXX '' and I had not made a single qualifying payment out of the 120 payments they told me I would have to make. I made at least 20 payments as of this date - in fact I make a payment every two weeks on a Friday without fail. I have spent approximately 15 hours in phone conversations with either NAVIENT, XXXX  or FAFSA concerning this situation. I believe I have been mislead along the way and have been misinformed as to the results of my efforts and payments. I have paid over {$7300.00} in the last two years towards student loans, I still owe {$34000.00} of which I pay {$130.00} every two weeks, wherein {$88.00} goes to interest and {$50.00} goes to principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
XXXX XXXX Senior Vice President Caliber Homes Loans transfer of loan, problems, credit insurance Ref case : XXXX and XXXX Responding to a complaint. response on XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Urgent!! Citi bank scammed me. After few months of Bussiness. Difficulty to log in. Managed to transfer money to them from the saving of my kids. Then I try to buy car XXXX they hold the check and Bounce it twice caused me a grief list of time and money with XXXX XXXX  made in XXXX  ( XXXX,, XXXX customer service ) Shame if bank then banker XXXX XXXX another failure that working there. Offering to wire money then we need to fight with them for days they claim that I dont have phone on public records so they cant approved it. I explained them I dont have a social. In only student and mom for kids I dont have a phone only this number XXXX they so unprofessional and shameful bank now they holding me XXXX $ XXXX dollar while all wires before done from my kids saving nothing changes This is a scam back and I am sure there is federal violation here by them not letting me to withdraw my founds back!! 
There is federal regulation about that fir sure but they doing whatever they want you need to Force first to return my money with all maximum interest and then I will find a lawyer to sue them Please help me ASAP 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 2020-09-24
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have closed my mortgage with Amerihome Mortgage on XX/XX/2020. 

They charged another monthly payment on that month which left my total escrow balance of XXXX. 

They claimed they have sent the check but I have NOT received it. After a battle of phone calls, I requested them to stop that check and issue a new one 50 days ago. 

After over 20 messages inquiry, and multiple phone calls I learned today they still haven't issued a new check to me. And the customer service representative was rude and blaming USPS. If it hasn't been even issued why to blame USPS and the pandemic? 

If I make my payment after 3 months and blame the pandemic and USPS would it ' be acceptable? 

This company has been the worst. 

I'm losing faith, and I need this money. I have so much debt to take care of. I need the CFPB 's involvement in this matter. 

Reps are extremely rude. They transfer my calls to other people and ask me to spell every letter for the current address, property address, mailing address, and keep wasting my time for hours and simply hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: EQUIFAX, 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 am trying to improve my fico score so I can move my family into a better living condition. 
I have taken steps to call all the creditors on my report that are showing negative on my fico score. Each one stated I would have to dispute the account so they can move forward to delete, remove, or erase it from my report with their response. I have a copy of the creditors that were deleted from my XXXX Credit Report to show the creditors that responded back with the delete, remove, or erase statement. I have called several times to XXXX, Equifax, XXXX on XX/XX/2021 and on XX/XX/2021. On XX/XX/2021 I got a copy of the revised updated report with the same old information?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
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:
This has been going on for 2 years now. In 2019 I reported 2 frauds on 2 different credit cards I had with Bank Of America. One of the claims was approved and the second was not approved, when I asked why one of the claims was not approved when they were filed the same day and for the same reason, no one could give me an answer. I was told I would need to pay over 10k dollars. I reopened the claim and filed a police report and collected information from my employer, including XXXX, the company through which my company used the email client where it showed that the person 's XXXX address that hacked our company was in XXXX XXXX. During the investigation, the money wasn't paid because the claim was still open, but at the end, after sending them about 20 pages of proof, police reports, etc, Bank of America said I was still liable and had to pay the amount. My employer was nice enough to reimburse me because we were hacked and that's how my personal card was compromised. The issue was that BoA counted the time of the open investigation as late payments when the person at their local branch AND ON THE PHONE said, that wouldn't count against my credit score. They refused to remove the late payments that show on my XXXXredit score because I the fee was not waived and if the fee is not waived, the late payment counts against me, which is something they never displayed to me and as a matter of fact they told me the opposite. I have been fighting to remove this for two years and it's affecting my ability to buy a home. I owe BoA nothing, I paid the 10k for which I was scammed and they still refuse to remove the late payments from my credit score. Please help me. If this does not work I have to file a report with the FBI for the online fraud and see if this will escalate things with BoA.

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 2021-10-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
experian has charged me more then XXXX dollars for a credit report I've never been able to see everytime I call the 800 number I get a automated message, and then they hang up my credit card company can't seem to block them and they keep forcing there payment through.

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 2020-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I filled out an online application through Bank of America for a Home Equity Line of Credit. At no point in the process does it stipulate that they have changed their policy. Their new policy requires Bank of America to be the first lien holder in order to apply for a Home Equity Line of Credit. 

I went through the entire application and BoA made a hard pull against my credit for no reason. If they had listed that information anywhere on their site, I obviously wouldn't have completed the application and had them do a hard pull against my credit. 

No feedback was given aside from information stating the application was denied. I had to call into their support line to talk to someone who explained the reason the application was denied.

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 2020-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
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:
My report was pulled without my knowledge or authorization resulting in an inquiry on my report. Customer service would not agree to help take care of the negative inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have been using cash app for years with no problems. When I logged onto my acnt yesterday I had {$1400.00} in there which is normal. I thought I was missing some transactions so I called Tech support. By the time I was done 4 hours later all my money was gone plus an additional {$490.00} from my linked XXXX XXXX acnt. I have tried everything and money is no where to be found. I spoke to XXXX at XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Online banking access has been disabled to review complete records of the 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 non-monetary relief
Consumer complaint received 2019-05-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had trouble for the past several years in paying my loan due to stage XXXX XXXX. I recently went back to work and began to repay. I asked for a new payment plan and booklet which I received. 

I have been paying the amount due ( XXXX ) on the payment coupons. I keep getting reminders that I am delinquent and I owe more. After Paying in XXXX, I got a note that I still owed {$140.00}. while I paid with the payment stub, I was not sure why I am getting this other payment. I sent the payment along with a letter asking for an accounting of what was going on and why I am being asked for multiple payments. I did not get a reply. 

It is very difficult to juggle these payments with medical bills. After making another payment in XXXX ( XX/XX/19 ) of {$200.00} on my account using the payment stub amount of {$170.00} ( asking that the overage go to principal ), I just got another letter saying I was again delinquent. I am very upset and angry with this system. They never respond to my letters. I hope you can get an advocate to help with this. I want to pay my bills, but I can not pay if they keep changing the goal post. This also makes me question if I am getting credit for the money I am sending. I have the information on my bank statement verifying payment was cashed by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX - 1. Called credit to pay collection, XXXX XXXX transferred me to another ( department she said ) when in fact it was another company to pay the collection. I paid the collection. XXXX  XXXX continues each month Failure to Pay " FP '' each month affecting my credit and my home purchase, job prospects by reporting that I am late on a paid, closed account. The collection agency updated account to the bureau as paid and settled and even removed the account from all 3 bureaus. All 3 credit bureaus continue to report even though I have sent them certified letters to remove these errors and update and/ remove the account. I would like this account removed. 
They sold the debt and continue to report. This not right. I would like this account removed I have called XXXX  XXXX several times about this matter, Even offered to pay them directly they refused to remove or update the 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 2019-05-19
Company: AES/PHEAA
State: CO
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 an XXXX XXXX XXXX XXXX member with a student loan account with FedLoan Servicing. 

I am enrolled in the Public Service Loan Forgiveness Program and currently on track to have loans forgiven in XX/XX/XXXX. I file for employment certification every year. My last accurate count of qualifying payments was on XX/XX/XXXX. In XX/XX/XXXX, I was notified FedLoan servicing had a computer glitch that erased 25 payments I made from XX/XX/XXXX through XX/XX/XXXX. I was told that they would need to manually recount and it would be done promptly. 

Here it is almost 10 months later and they have yet to fix this error. I am still missing 25 payments due to THEIR computer glitch. I have provided them documentation to show FedLoan previously certified those payments and I provided them records that I was making all those payments under an income-based plan. 

I have called over a dozen times and I get different information every time about the timeline and what they are actually doing with this review. This company has been derelict in its duties and I am running out of patience. I dont trust anyone that I talk to there ( in fact, one person I talked to last week said my concern about trusted advice is valid ). 

I have waited 10 months for a resolution - to get these past 25 payments certified a second time. I have done my part, and this company has not. 

This is urgent as I am only several payments away from completing this program. 

Thank you. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-13
Company: ENCORE CAPITAL GROUP INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX Billing Inquiries XXXX XXXX XXXX XXXX XXXX, NV XXXX Dear Sir or Madam : I am writing to dispute an account ( s ) fraudulently opened in my name. I am a victim of identity theft In addition, did not open any account you currently are listing for me. I am not responsible for any charges made to this account. 

I was just told by your associate over the phone to submit this letter to have the account deleted from my SSN and taken off my credit file. My SSN is XXXX-XXXX-XXXX I have already filed with the credit bureaus that I have ID theft and they have place credit freeze on my credit file. Please close the account ( s )  immediately. I am requesting a letter from you all that the accounts are closed out and removed from my credit report as of today due to these are fraudulent account ( s ) open in my name, SSN and DOB. I am working with credit bureaus so I am requesting a formal letter you all have taken care of this matter. 
Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran I have also sent this to Midland Credit Management, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX This was Fax over to them to Fax # XXXX-XXXX-XXXX-XXXX I have also done mulitple dispute thru the XXXX. They just keep update my credit file with information that is not mine. 

I have told both of the companies I never open a Credit Card from their bank. I have requested them to delete it from my credit report. Both of them companies are giving me the run a around. Especially XXXX XXXX XXXX, they keep changes what I have to do. I officially sent them letter in the mail. They have not even responded back from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: Bread Financial 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:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the unverified account COMENITYCAPITAL/EL D is still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with non-monetary relief