BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-03
Company: CITIZENS FINANCIAL GROUP, INC.
State: AZ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am being contacted by Citizens Bank about a private student that was in my bankruptcy that was discharged in XX/XX/2018. When I called back to tell them it was in my bankruptcy the man argued with that private students loans can not be discharged in a bankruptcy, I asked him to stop calling my work number. I told him I would have my lawyer call them back, he told me I needed to give written consent for my lawyer to discuss this matter. I sent written consent but Citizens Bank told my lawyer they needed to have a power of attorney to discuss the matter with them. They have been calling me at my employment number every day even after I told them I can not take the calls, please stop calling my work number. And every action I take, sending written consent, etc they change what they require to have my lawyer tell them this was discharged in my bankruptcy and to stop contacting me about this. They are going to great lengths to avoid being told this is an invalid debt. Its getting ridoulous that this is continuing after they have been informed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 2022-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 called both XXXX and Bank of America about my Credit report. I received notification today that someone has opened or in the process of opening either a bank account or credit card in my name. It is NOT ME. I am a victim of Identity Theft! I couldnt get XXXX on the phone but I have put a security freeze on my account but any and all information concerning this fraudulent account needs to be blocked. I didnt authorize BOA to pull my credit report and would like them also to remove this fraudulent information IMMEDIATELY.

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 2019-07-29
Company: QC HOLDINGS INC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I initially took out a loan with XXXX XXXX ( QC Financial Services Inc. ) for {$400.00} on XX/XX/2019. On XX/XX/19, I called the business to request a payoff amount, as I wanted to pay off the loan. The person on the phone quoted to me the amount of {$340.00}. I then made arrangements to pay that amount by phone. As they had stated to me that they do not mail out receipts, I considered our business done.

On XX/XX/2019, I received a phone call from XXXX XXXX requesting a payment. I was shocked, and stated so, because I had been given the impression that my loan was paid off. I informed the caller that I had paid the loan off in XX/XX/XXXX. I asked them why I would have paid the amount that I had paid if I did not intend to pay the loan off. They constantly repeated that there is no way of knowing why I paid the amount of {$340.00}. During the course of my phone calls with staff and the manager, no one with the company admitted to any mistake or took any responsibility. The attitude of staff and the manager was not helpful at all. After several phone calls, I was told that I still owed {$130.00}, and that the amount would increase if I did not pay the amount THAT DAY, which I did.

So in essence, my payoff amount was initially misquoted by a company employee ( which is bad enough ), but that employee 's mistake has also cost me an additional {$57.00} in interest and fees.

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 monetary relief
Consumer complaint received 2018-04-17
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I notified TD Bank escrow department that there was a duplicate insurance payment and they would receive a check for XXXX from the insurance company. I requsted the escrow accont be revised and a refund for overpayment. On XX/XX/XXXX I sent a fax requesting the refund as I had not received the funds. On XX/XX/XXXX my escrow account shows a disbursement for XXXX however it has been 2 weeks and I have not received the funds. In addition, I spoke with XXXX XXXX, customer experience Advocate regarding this situation. She assured me a check had been issued and due to the previous problem with my tax payment, and the delay in refunding the suplus in the escrow fund, TD agreed to refund the remaining escrow funds of XXXX and discontinue all escrow. That refund has not occurred. I respectfully request my surplus funds ASAP. 

If I do not receive the funds in a timely manner, I request interest be paid to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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: Billing dispute for services

Complaint:
XX/XX/, my mortgage company XXXX XXXX  transferred my loan to XXXX. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager XXXX, they told us everything looks good to go. Our latest payment was deducted by XXXX, and new payments are going to XXXX. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXX under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.

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 2023-04-25
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
DELETE ALL FRAUD ALERTS AND EXTENDED FRAUD ALERTS FROM ALL THREE CREDIT BUREAUS XXXX & XXXX XXXX ID FRAUD VICTOM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MYA HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES, DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: IL
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 ID THEFT. MY INFORMATION WAS COMPROMISED DUE TO THE 2917 DATA BREACH CAUSED BY XXXX. I HAVE UPLOADED THE REQUIRED DOCUMENTS REQUIRED TO BLOCK THE FRAUDULENT ACCOUNTS FROM BEING REPORTED MY CONSUMER 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 2018-04-17
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We are behind on our loan. I have called over 3 times to try to get payment assistance. Each time I was on hold over 18 minutes and one person had me on hold 37 minutes. After trying to get help I was sent an act 91 notice with over 500.00 in fees added to my mortgage. In the meantime I have spent over an hour on hold  trying to get help. Today I set an appointment with XXXX XXXX to discuss home modification. Appointment time XXXX. I waited 35 mins. She never called me. All while wells Fargo says they want to help people. Yet they don't even answer 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 2023-04-15
Company: TEXAS HIGHER EDUCATION COORDINATING BOARD
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:
I have six student loans with HH Loans and each loan shows up individually on my XXXX report, please see the attachment labeled " HHLoans Late Payment Data ''. 

You will also see each of them has corresponding " late payments '', and the details of these late payments posted can be seen by reviewing the listed attachments " Loan XXXX - XXXX. 

I have tried helplessly to work with HHLoans on two goals via phone and email with their support staff to no avail : ( 1 ) These six individual loan entries on my XXXX credit report, all with late payments, are preventing me from repairing my credit. On the HHLoans website, while they do list loans individually, they combine the total balance of loans and you make payments across all the loans when you make a payment, not individually. These six loans need to be combined into one loan, with any corresponding late payments, as opposed to what is listed currently. 

( 2 ) I previously spoke with HHLoans a few times now on the phone over the late payment information that is showing on my account. I need this information reviewed in entirety for each loan. In the attachment " XX/XX/XXXX to XX/XX/2020 '', this was an email from HHLoans stating loans would be in forbearance from XX/XX/XXXX to XX/XX/XXXX. I called before this forbearance ended and was told I was not eligible to continue forbearance, even when I had not yet found a job after graduating. 

I spoke with someone last month who said that should not of been the case, and that forbearance after XX/XX/XXXX was still being granted upon request. I could not pay, and was also told false information ( whether by mistake or not ) I am unsure, but I would like associated late payments which any account holder was qualified to be under forbearance removed as I was told I was not able to, when indeed, I was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Capio Partners, LLC
State: IL
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:
Basically, my name is XXXX XXXX XXXX XXXX My fathers name is XXXX XXXX XXXX My father had a XXXX XX/XX/XXXX and has been recovering every since.During his recovery he received anesthesia from XXXX XXXX of Illinois who billed him {$5400.00} but instead they billed me the balance. I was unaware of this and this should not have happened because we have different socials, addresses, birth dates etc. Since that point they gave the bill to a collection company called XXXX XXXX and now its been on my credit since XX/XX/2019. It has effected my credit drastically and I've been declined for numerous lines of credit and the refinancing of my vehicle and its stopped me from starting my own business and moving into a new house. I've reached out to capio but its still in limbo. I feel this is illegal and it blatant defamation and all parties involved should be held accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-29
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:
On XX/XX/2019, I initiated a SIMPLE dispute with Transunion regarding an incorrect credit card balance from XXXX. 

Since that time, 6 ERRONEOUS new hard credit inquiries have shown up on my Transunion credit report, dropping my credit score down to XXXX. Transunion will NOT process a new dispute on the FALSE inquiries until they are done researching my initial dispute of XX/XX/2019. It is now XXXX XXXX! This is damaging my creditworthiness. 

Furthermore, I have a medical emergency and asked for a credit increase with my XXXX XXXX account to cover medical costs. XXXX XXXX DENIED the increase based on other incorrect Transunion information on my report! ( Serious delinquency AND public record or collection filed in addition to Too few accounts currently paid as agreed! ALL of my accounts are paid on time!!! 
Please see the attached email from 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 2023-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 non-monetary relief
Consumer complaint received 2023-06-08
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I talked to XXXX @ XXXX that this was not the number of who he was looking for, then two weeks later called the same number and asked them not to call anymore. XXXX calls twice a week or more adding to the over 30 junk calls a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Information for Capital One and XXXX XXXX credit cards are not being reported correctly every month which is effecting my XXXX XXXX. Capital one is current with no balance. Balance for other credit cards for XXXX XXXX are incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I own a property at XXXX XXXX XXXX XXXX XXXX fl XXXX. In XXXX, I received a letter saying that XXXX, XXXX was taking over that mortgage and my other mortgage at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. 
The letter stated that nothing about the mortgages at all would change. 
I had the house at XXXX built and was built on an elevated lot in XXXX. From XXXX until my mortgage was transferred in XX/XX/XXXX, no flood requirements were needed as the house is elevated. XXXX assumes the mortgage and says that FEMA remapped in XXXX and now requires flood. I contacted FEMA and they said that wasnt true ... .it was not remapped in XXXX. I told XXXX this and they said FEMA was wrong and that I had approximately 25 days to get flood insurance or they would place a {$2600.00}. flood policy in escrow against my mortgage. I re-contacted FEMA and they advised me to submit a removal request. FEMA said this process usually takes 60-90 days after I get them info from the flood plain manager in XXXX. I called/emailed/contacted XXXX, asking them for an extension and never heard back. I tried more than 20 times to reach XXXX concerning this matter. NO reply from XXXX. 
Since I didnt hear back from XXXX, and felt that the {$2600.00}. was an extreme amount, I purchased my own flood policy for {$360.00}. I emailed them asking if they received it in time and they said yes. Both myself and my insurance agent sent this to XXXX. XXXX still placed an additional 2nd flood policy against my mortgage. They are now trying to do this with my residence at XXXX XXXX XXXX XXXX. When I emailed them to figure out why they are doing this, they replied that they would get me an answer in about 30 days! 
I have had and flood policy for years at that address. SPS are requiring 2 policies per property. They want {$2400.00}. for that policy ... I paid a little over {$310.00}.! 
I can not reach anyone to provide me answers. 
Can someone please assist me with this? I have close to 60 hours involved in this and zero answers. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: CA
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:
I am writing to file a formal complaint for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 et seq. Specifically, The credit bureau// has failed to comply with their obligations under 15 U.S. Code 1681b and 15 U.S. Code 1681a by reporting inaccurate and misleading information on my credit report. I recently viewed my credit file. Within the report I noticed that there were numerous accounts included in my report that were not mine and/or reported incorrect information. I disputed the incorrect information and challenged each account. On or around XX/XX/2023 I received a notification that my dispute was updated and the incorrect information was showing on my credit report. 

Additionally, I was not provided with adequate notice of these negative entries on my credit report, which is a violation of 1681g of the FCRA and 809 of the FDCPA.

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 2020-01-23
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:
This is a complaint against XXXX XXXX, XXXX, Experian and XXXX, I request this collection company to remove this account from my credit report, with XXXX, Experian and XXXX, since it has been opened under fraud, without my authorization or permission. This account is fraudulent, in this complaint I will give all the documents, such as Police Report, affidavit for identity theft, I consider that this information that I will provide is just enough to block this account that does not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief