BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth :XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOE/XXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) {$110.00}

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 2022-11-30
Company: EQUIFAX, INC.
State: VA
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 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
Consumer complaint received 2020-02-09
Company: Experian Information Solutions Inc.
State: NJ
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:
THE DIPSUTED ACCOUNTS NEED TO BE PURGED OFF MY CREDIT FILE, THOSE ACCOUNTS LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THE ACCOUNTS ARE INACCURATELY PLACED AND I WOULD LIKE THEM TO BE REMOVED OFF MY CREDIT FILE.

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 2021-01-30
Company: Navient Solutions, LLC.
State: AL
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 account is not mine. The contract had me as a primary and I never attend the school. Im a federal employee and hold a clearance. This is the only negative on my credit report. I have submit paperwork, hired a lawyer, and submitted the contracts showing the error. The company wont fix. I did not agree to these loans and the contracts are clear I did not sign these. I have to provide extra documents to get approved for loans, mortgages, and daily needs due to this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-14
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My home mortgage was sold from XXXX To Loan Care LLC in VA. and I made an electronic payment of {$900.00} to Loan Care LLC in  XX/XX/XXXX which they can not locate. I have submitted proof of electronic payment from my bank several times. There customer service is terrible. I have send email made many call s through my bank but have not been reimbursed for this amount. This has never happened to me. How could they loose an electronic payment? This is theft.

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 2021-01-30
Company: LEXISNEXIS
State: IL
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: Public record information inaccurate

Complaint:
A company called lexisnexis is preventing me from buying an umbrella policy based on the fact that a piece of construction equipment gave me a flat tire. See the report attached. XXXX should be ashmed that they treat customers this way as well. I want lexisnexis to remove the ridiculous report and XXXX to approve the umbrella for a XXXX year old PERFECT driver mom of XXXX kids with a PERFECT RECORD. This is TOTALLY ridiculous unsubstantiated and should NOT BE ALLOWED!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
A negative remark was placed on my credit card account " with amount in dispute ''. I have never been late on all my accounts with Bank of America and have paid everything on time so I do not know why this negative remark was placed on my account. BOA did offer some payment deferral request due to the Covid pandemic, which I signed up for but did not pursue.

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 2018-07-18
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened an account with BB & T online, later I went into a local branch to double check my account type.

The banker sent me an email about the account, which stated that the account does not have any fee ( quote : " No monthly maintenance fee '' ).

However my account was charged a {$12.00} " monthly maintenance '' fee. I messaged BB & T on XX/XX/XXXX but BB & T never replied to my message.

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 2020-09-06
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to Experian, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
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: Information belongs to someone else

Complaint:
Full name : XXXX XXXX XXXX Social Security # XXXX Date of Birth : XX/XX/ Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXX XXXX Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.

USDOE/XXXX {$3400.00} USDOEXXXX {$18000.00} XXXX  XXXX  {$9400.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) {$110.00}

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 2019-09-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America comitted fraud in establishing my mortgage. I filed a complaint and a representative named XXXX XXXX responded with a number of lies I have reached out to him on 7 different occasions and he has refused to return any of my calls.

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 2020-11-22
Company: U.S. BANCORP
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Don't want a card provided by your employer or the government

Complaint:
Received a prepaid card to be activated from Ohio unemployment benefits. Never worked in Ohio. I tried cancelling the card, but could not get through to a person via the number provided. Found a form to complete to report unemployment benefits received that did not apply for and there was no where on the website to submit the form. This was for my husband who is now deceased and I do not know how to cancel this card. 

The card was for XXXX XXXX and it was received from US Bank and the website provided was www.usbankreliacard.com

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 2021-01-30
Company: EQUIFAX, INC.
State: OH
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:
Although I am not to be on the paperwork for this loan at all, XXXX XXXX  is reporting that an account which was charged off on XX/XX/XXXX is a new charge off as of XX/XX/XXXX. This is impacting my credit although I had begun recovering from the original charge off from someone elses vehicle loan. This account needs to either be removed from my credit ( as it should have already been ) or have the account updated back to the original charge off date of XX/XX/XXXX so as to correct my credit scores with XXXX  and Equifax. This is against FCRA to alter the charge off date from the original charge off date over a year later.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
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: Was not notified of investigation status or results

Complaint:
XXXX XXXX has done a hard inquiry on my account. There was need for this inquiry. I have not applied nor do I have a mortgage. There should not have been any inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-16
Company: SUNRISE CREDIT SERVICES, INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a bill showing on my XXXX  credit report for XXXX XXXX XXXX from Sunrise Credit Services when I have paid off XXXX XXXX XXXX XXXX for {$300.00}. I tried to pull up this account on their website but 2 security certificates pop up like the website is unsafe.

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 2023-02-11
Company: Experian Information Solutions Inc.
State: CO
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:
Experian is not correctly reporting the balance on my XXXX XXXX credit card. My balance is XXXX. Also they are not reporting the correct Fico score to my XXXX XXXX bank.

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: ID Analytics, Inc.
State: MO
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 sent two Notices to SageStream. For the purposes of removing unauthorized and unknown inquiries from Credit Reports. At this time, they have failed to respond, let alone remove all unlawful inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted information online with Bank of America when I lost my job to see what they could do for my mortgage. They asked for documents from me including my wife 's paystubs and copies of the benefit info for unemployment and food stamps that we are receiving. I submitted this all to them. A month went by with no contact from them and then suddenly I got a letter telling me they needed more info and I was being thrown out of their modification process. After the initial document request I had zero contact from them. 

Now they ; re asking for the exact same documents again to start over that I already submitted once.

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 2020-09-07
Company: Selene Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I am reaching out to you because XXXX XXXX XXXX   sold my loan to Selene Finance. Over the past 2 years, I have struggled to be consistent with payments and when I have brought my account current, Selene Finance, has found ways to add fees to my account in an attempt to keep me behind on my mortgage. Last year, when I brought my account current they sent me a letter indicating that my account was assessed {$2000.00} in late fees ( some of which I had already paid ), and corporate advance fees which included numerous property inspection fees. I contacted Selene Finance and they indicated that they would investigate the origin of the fees. Needless to say, they never fully explained the resolution but indicated that some of the fees would not be charged. On XX/XX/20, I made a payment which brought my account current and included an extra {$20.00} to be applied to my principal. On XX/XX/20, I received several notifications from the credit bureaus that Selene Finance reported my account late which was not correct. To add insult to injury, Selene Finance assessed me two fees of {$15.00} on XX/XX/20 which I presume were inspection fees. However, it appears they charged me twice to cancel out the monies ( {$20.00} ) to be credited to my principal balance. I sent them a letter last month inquiring why they are conducting inspections several times a month when I have consistently maintained contact with them on a regular basis throughout the past year. They indicated that it's done at the discretion of the service provider. This was odd since I thought Selene Finance is my service provider,  however they are quick to state that they are a debt collector. If that is the case, then why is the only correspondence I receive about my mortgage is on Selene Finance letterhead? It is becoming apparent that Selene Finance does not have the consumer 's best interest in mind. It appears they are subjecting customers like myself to questionable practices which are meant to keep them delinquent in being able to make mortgage payments which may allow them to seek refinancing through another lender. I admit that I pay my mortgage towards the end of the month due to my pay schedule which makes it late. However, I asked a Selene Finance Customer Service Rep if they could accept my payments on biweekly basis and they indicated that they could not. I have made a conscientious effort to improve my credit scores so I can obtain financing elsewhere but with Selene Finance submitting a false report of my account being late made my credit score drop at least 20-30 points. I have read similar complaints from other Selene Finance customers and I need to find out who do I need to contact regarding their business practices. Clearly they are not as transparent as they should be at the expense of their customers. Thank you for your assistance with this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer in the mail to get a {$400.00} bonus if I opened a new Platinum Checking account by XX/XX/2018 and made a single {$1000.00} direct deposit within 60 days. I opened this account in branch and the specialist helping me took the mailer from me that I received and entered the Offer Code assigned to me online as required. 

The offer states the {$400.00} bonus will post to the account within 90 days after the direct deposit posted. 

I opened the account on XX/XX/2018 and a direct deposit of {$2500.00} posted on XX/XX/2018. 

I've tried communicating with Citizens Bank multiple times via their secure message system - they never get back to me or tell me to wait longer. Their phone system is a mess.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-25
Company: Utah System of Higher Education
State: FL
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:
When registering for automatic payments, the XXXX website states " My authorization to these debit transactions may only be revoked in the manner set forth in the Terms & Conditions below. '' and provides a link to " Review the Terms & Conditions '' ( XXXX XXXX XXXX   ). This link provides a 1 page PDF which states " My authorization to these debit transactions may only be revoked in the matter set forth in the Terms & Conditions below. '' but does not actually provide any information on revoking permissions.

Company response to consumer: Closed with explanation