BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Experian Information Solutions Inc.
State: NJ
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 2021-04-07
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Navient continues to call me over and over about wanting to reduce my debt ( when they have already told me they cant ) i have repeatedly ask to stop to calls. They called saying i am past due and not sure how that is possible when i paid in full and did not have a carry over balance, according to their systems. Now I show i am past due XXXX and the callers are very aggressive with me and refuse to stop calling me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I am sending this complaint because TransUnion is misreporting an account. I sued the company XXXX XXXX XXXX and I won the case on XX/XX/XXXX. 

Account information is as follows : XXXX XXXX, date opened : XX/XX/XXXX, closed date : XX/XX/XXXX, credit limit : {$7600.00}. It is my right to get this account deleted from my report. This is affecting my financial and emotional life. 

TransUnion must stop reporting this account as soon as possible. Please see attached proof of case won.

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 2021-06-07
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since this company took over my loan after I refinanced, it has been nothing but headache after headache. After assuming my mortgage not only did they make it more difficult to pay my bill online by trying to get me to agree to illegal servicing fees that they are currently in a lawsuit with 33 states for illegally charging their customers, after signing up for auto-pay to bypass this fee, they now are not accruing for my payments accurately stating i'm past due on payments, when I have bank account statements stating I've made payments. I called to report this error on XX/XX/XXXX after I saw the payment removed from my bank account, but XXXXHH portal showed me as past due. I spoke with PHH agent XXXX ID # XXXX who assured me my payment was processed, but could not explain why the payment amount I submitted was under 'Other ' vs capturing the additional payment I made towards my principal amount, nor did he know why the app and website showed me as past due and late on my payment. I called again on XX/XX/XXXX after not hearing from XXXX, and spoke with XXXX ID # PGA, who informed me XXXX was still looking into the issue, and would followup within 24-48 hours, and that the payment was not applied correctly but to rest assured they would fix this. I have a low-level of confidence in a company that has deceptive practices that don't allow good customers who pay their bills on time to trust it will be processed in an efficient and effective manner. We're now going on to call three with them for an automatic payment process that should not cause this many headaches & hope their faulty payment system doesn't accidently cause a customer to default on their mortgage because of a system error on their end. I demand for PHH to stop these deceptive practices and implore the CFPB to investigate this company especially given recent lawsuit activity in the deceptive practices they are subjecting their customers to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like someone from Equifax to contact me who can freeze a minor 's credit or verify a minor 's credit has been frozen. Your company has refused to freeze my minor son 's credit, and I am at the point of lodging complaints with the XXXX, my state 's attorney General, my state 's consumer protection division, the Department of Justice ( as it is federal law you are breaking ), the Federal Trade Commision, a private lawyer, and the Federal Consumer of Financial Protection Bureau simply to get a response from your company. 


I have submitted all necessary documentation multiple ( up to 5 ) times since I have been trying since XX/XX/2022 to get my minor son 's credit file frozen, and you have refused to do so. The first time I mailed in all necessary documents, I received no response from you at all. I have called you at least four times, minimum, and no one has been able to answer any questions over the phone or direct me to anyone who can help. I have mailed and faxed you all necessary documents five times and only receive form letters back telling me they can not find the file or asking me submit the exact same documents I just did. ( I have had multiple people check the documents I have sent against the form letters. ) I have also faxed you at least two times and emailed explaining the situation and asking for someone to call me back and have received no response. 

At this time, I have no idea whether you have created a file for my minor son that is not frozen and puts him at risk of identity theft, or if he has a frozen file with an incorrect address ( that he has never lived at ) that puts him at risk of identity theft with documents sent to someone else, if he has a frozen file with a correct address, or if he has no file and no freeze that puts him at risk of identity theft. 

In summary - you refuse to freeze my minor son 's credit according to the federal law. You will not answer my questions by phone, mail, or fax. You are breaking federal law, and I need someone to contact me to resolve this immediately. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

2. Identity Theft PORTFOLIO RECOV ASSOC Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
ive viewed my credit consumer report and notice theirs alot of unrecognizable inquires that has been placed on my consumer file, XXXX  on XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX Under 15 u.s. code 1681b-permissle purpose of a consumers report ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTIONS of the consumer to which it relates. 
I XXXX XXXXXXXX XXXX never gave______________________________any written consent to report anything on my consumer report, NO consent is identity theft .a copy of the law is attached along with this dispute letter. 
and to add on the 3 major reporting bureaus are also at fault due to the fact that their are well aware of the following subchapter 15 u.s code 1681b ( a ) ( 2 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: AmeriHome Mortgage Company, LLC
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've tried over the course of the previous 3 months, at least 4 times to enroll in the budget drafting system at Amerihome Mortgage Company. I've easily enrolled in this program 3 times with other mortgage service providers. I believe, at this point, that they are intentionally making it difficult for us to enroll in a program that will help us reduce the term of payments for our loan. They continue to ask me for the same documentation over and over, which I provide. Then after they wait a period of time, they tell me the documentation I provided is now outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX has not resolved any of the dispute sent to them

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 2018-05-18
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for and received the Fidelity Rewards Visa Signature Card based on a promotion that I received in the mail : " Receive XXXX Bonus Points - which equals {$100.00} Cash Back when deposited into an eligible Fidelity account - after you spend {$500.00} in eligible net purchases within 90 days of account opening. '' I completed the application online well before the XX/XX/XXXX deadline and made my first purchase on XX/XX/XXXX. 

The fine print claims : " 6 to 12 weeks after qualifying purchase are made, the one-time Bonus Points will be added to the account holder 's points balance. '' It's been well over 12 weeks since my first statement, which had over {$1000.00} in purchases. When I look at the history of my points balance, I only see points from the usual 2 % cash back. 

On XX/XX/XXXX, I contacted Fidelity about this issue and I received this response : " After reviewing your account we do not show that the account was applied for under a promotion to give you XXXX bonus points. This is why the points have not posted to the account. We are unable to change your enrollment offer or award additional enrollment as your account has been opened longer than 120 days. '' I called XXXX and received a similar answer from their customer support. 

Nowhere in the terms of the attached promotion does XXXX state that I must follow special instructions to apply under the promotion. I simply applied online at FidelityRewards.comXXXX as instructed.

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 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I obtained my consumer report from XXXX XXXX XXXX XXXX. It contains incorrect information. It contains housing court case that should have been excluded from the Transunion data since I have a court signed stipulation in XX/XX/XXXX with all parties agreeing to exclude the cases from any tenant screening company database. 

I provided the court signed stipulation as support to XXXX XXXX XXXX XXXX XX/XX/XXXX.  Today, I called them to follow up. They said that they can change the type of the case, but they will retain the case in the report and their database. 

I explained to them that the court signed stipulation is to excluded the case from their database. However, Transunion on the phone did not understand and insisted to keep my court record ( which should be excluded per signed stipulation ) in their database and reports.

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 2019-03-14
Company: EQUIFAX, INC.
State: IN
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 have tried on multiple occasions to get Equifax to follow FCRA and in turn respect my rights in this matter. I have asked Equifax to on at least 4 occasion to validate this account, as well as on multiple occasions as Equifax to present me a description of the procedures used each of these disputes. Equifax refuses to and even lied in one CFPB complaint stating that they would send it in the mail. No such information has come and even then they failed to follow FCRA and just opened up a dispute. What part of " FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY '' is confusing you? nothing in this says open a dispute, in fact everything states do not open one and tells you exactly what is requested. The letter clearly states in bold red letters to not open a dispute and that this was a procedure request : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This letter is being sent via certified mail / return receipt requested and notarized, for pending lawsuit : Certified Mail # XXXX XXXX XXXX XXXX XXXX USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY : FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY THIS IS A URGENT MATTER PLEASE EXPEDITE!!! NOTICE!!! DO NOT OPEN ANOTHER DISPUTE. THIS IS A PROCEDURE IN CASE OF DISPUTED ACCURACY Equifax email pertaining to this issue attached you will see that stated the reinvestigation will take up to 30 days. Under FCRA listed above they have 15 days from the date they received the letter from me. Tracking number and such will be in attachments. Futhermore this was a procedural request.. as stated under FCRA 611 ( 15 U.S.C. 1681I ) and which was clearly notated in the letter i sent equifax, as well, being that this is at least the 3rd time Ive had this issue with equifax pertaining to this i asked for this to be expedited

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am a struggling XXXX XXXX XXXXt. got my commission check of {$7300.00} from broker in almost 7 months, I deposited that check, but Bank of America put a hold of 10 days to validate funds, I spoke with them twice to release my funds after checking everything in 2/3 days, as check is coming from an established institution and who deals with higher amount everyday, and it should not take10 days to validate fund in that long amount of time and this digital age. I requested them to check everything in 2/3 days and released my funds as I am struggling with my finances big time, but they have always scripted statement that this is our policy. Their staff is not considerate at all. Now I will be paying late fees and will be running late on some important bill while I know that money is in my account and I can not use due to this unreasonable policy, that is ripping off a customer in the name of policies

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 2018-05-18
Company: Experian Information Solutions 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 writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these mentioned accounts.

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 2017-04-24
Company: Convergent Resources, Inc.
State: TN
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: Investigation took more than 30 days

Complaint:
I disputed some items that were from me bing a victim of identity theft. The items still remain and I never received any feedback from the credit bureau.

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 2023-08-29
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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXXXXXX XXXX  XXXX and XXXX XXXX XXXX. Please delete these accounts ASAP.

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 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
The account listed below is reporting inaccurately on my credit report and it is in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. Also, the credit bureaus DID NOT include an account number as to the claim on my report, thus indicating that the account is fraudulent. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. The account from XXXX XXXX XXXX doesn't have an account number which furthers the validity of the=is claim. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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