BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-06
Company: EQUIFAX, INC.
State: PA
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:
Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to  any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX  ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: MO
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:
My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
XX/XX/2016 I missed a payments. I had moved due to job relocation out of state. I contacted XXXX XXXX XXXX   XX/XX/XXXX and has yet to receive an email conformation back in regards to my situation. I have been a loyal customer for 9 years and never had any issues with Navy Fed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: Experian Information Solutions Inc.
State: KS
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:
Submitted a credit report entry dispute related to XXXX Complaint XXXX ( XXXX XXXX XXXX ) to Experian by letter dated XX/XX/2020 stating that the debt collection company failed to provide, and has admitted they can not provide, the legally required " Validation '' information to support their claim. The letter incorporated CFPB example letter text, plus known federal/state law requirement criteria. All communications to and from the debt collection company were included in the information submitted to Experian. 

As of this date, XX/XX/2020, Experian has never replied with a response ( 82 days ).

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 2021-09-10
Company: Experian Information Solutions Inc.
State: MO
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:
My identity has been compromised and that resulted in my credit file being compromised as well. The following accounts do not belong to me, therefore, im demanding that these accounts be removed immediately.

1 XXXX XXXX {$570.00} 2. XXXX {$790.00} 3. XXXX XXXX XXXX {$20.00} 4. XXXX XXXX XXXX {$170.00} 5. XXXX XXXX XXXX {$47.00} 6. XXXX XXXX XXXX {$75.00} 7. XXXX XXXX XXXX {$35.00} 8. XXXX XXXX XXXX {$1100.00} 9. XXXX XXXX XXXX {$92.00} 10. XXXX XXXX XXXX {$20.00} 11. XXXX XXXX XXXX {$16.00} 12. XXXX XXXX XXXX {$580.00}

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 2018-04-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My issue is with Bank of America 's non transparent statement practices. I have paid my balances on the due dates set forth on each statement however continue to accrue interest charges after subsequent statements being PIF. As you see below in my summary I only had a {$10.00} carryover which accrued interest and was subsequently PIF on the next statement, according to the total balance to be PIF. Having had credit cards for 15 years now and having always handled my statements timely this is a gross abuse of non-transparent practices. 

1st Statement XX/XX/XXXX- XX/XX/XXXX, {$95.00} Balance to be PIF by XX/XX/XXXX. {$95.00} PIF on XX/XX/XXXX.

2nd Statement JXX/XX/XXXX-XX/XX/XXXX, {$8600.00} Balance to be PIF by XX/XX/XXXX. {$8000.00} paid on XX/XX/XXXX. {$620.00} credit on XX/XX/XXXX from rewards. Total credit to account by Due date of XX/XX/XXXX which was {$10.00} short. This was my error and own this {$10.00} carry over.

3rd Statement XX/XX/XXXX - XX/XX/XXXX, {$1400.00} Balance to be PIF byXX/XX/XXXX. {$1400.00} PIF on XX/XX/XXXX. I was charged additional interest of {$13.00} which I understood to be from my previous {$10.00} balance carryover.

4th Statement XX/XX/XXXX - XX/XX/XXXX, {$1600.00} Balance to be PIF by XX/XX/XXXX. Pending payment of {$1600.00} to post XX/XX/XXXX. An additional interest charge of {$37.00} is now showing on 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 monetary relief
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: AZ
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:
XXXX XXXX XX/XX/XXXX-inquiry without approval or knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX- inquiry without approval or knowledge XXXX-XX/XX/XXXX-inquiry without approval or knowledge XXXX XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without approval or my knowledge XXXX XXXX XXXX-inquiry XX/XX/XXXX inquiry without my approval or my knowledge XXXX XXXX -XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or knowledge XXXX XXXX-XX/XX/XXXX-XX/XX/XXXX-inquiry without my approval or my knowledge XXXX-XX/XX/XXXX=inquiry without my approval or my knowledge XXXX ca-XX/XX/XXXX-inquiry without my approval or my knowedge XXXX XXXX XX/XX/XXXX-XX/XX/XXXX inquiry with out my approval or my knowledge XXXX  XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX inquiry without my approval or my knowledge

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 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
the accounts reporting on my reports are not mine and belong to someone else, I am a victim of identity 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 2021-06-09
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2021 at approximately XXXX, I made my monthly payment of {$580.00}. At the time of my payment, my account was 29 days past due. Once my payment was processed, XXXX listed my date as XX/XX/2021 on my confirmation receipt. They used this deceptive tactic and incorrect date in order to place a " 30 days '' late on my and the co-signer 's credit report files with XXXX, XXXX, and Equifax. 

This incorrect information caused BOTH credit scores to drop drastically and has had a NEGAVTIVE impacts our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-05
Company: SUMMIT FUNDING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a NOTICE OF SERVICING TRANSFER from XXXX XXXX XXXX dated XX/XX/2018. It listed the current servicer as Summit Funding c/o XXXX XXXX XXXX ( NMLS XXXX ) and  the new servicer as Summit Funding. After calling the company, they said the note was transferring to a completely different company than the company listed in the notice. This presents a clear violation of 12 CFR 1024.33 ( b ) ( 4 ). Further, rather than omitting information, the notice contained misleading misinformation. After some phone calls, I was given information that my new servicer was XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
XXXX faxed to Navient an IDR renewal form along with my tax form XXXX XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX responded in Navient online account I faxed IBR forms and Tax documents on Monday XX/XX/XXXX. Please process and apply to my account without delay. ( my other loan servicer has already processed IBR ; also faxed to them on XX/XX/XXXX ) *note* my other loan servicer is XXXX. 

XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received communication from Navient Delinquency Notice : 60 Days XXXX called Navient and was told they would process my IDR because it was actually not expired but needed to use Forbearance in the meantime XXXX received notification in Navient online account Expired IDR Application Received Please Reapply XXXX received Navient Monthly Bill Reminder for regular amount due, late fees and Capitalized Interest XXXX called Navient and was told that Forbearance ended XX/XX/19 and full payments are past-due ; IDR has not yet been processed. I requested that someone review my account and process my pending IDR renewal form. 

XXXX received email stating that I can apply for IDR or reply yes to get Forbearance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
account was permantley suspend but i have {$60.00} left that i really need now. cant call customer service because its only for existing customers ....

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I lost {$30000.00} in wages earlier this year and requested a loan modification with my mortgage company, Wells Fargo. It took them almost 5 months to process this request and get approved. They dropped my monthly payment by {$20.00} dollars which obviously was not enough so I could not make my trial payments and still could n't afford the payments. When I got back into a position where I was making more money I contacted Wells Fargo again and informed them of this and asked what I could do to bring the loan current. I was told I had 30 days to come up with {$10000.00} or they would foreclose on the house. I contact our State 's department of Finance who contacted them on my behalf. I received a letter from them on XX/XX/XXXX that they were going to see what they could do to help me. The very next day I was served with Foreclosure papers. That had been filed with the court on XX/XX/XXXX to be served the day the money was due. So they continued on with the Foreclosure process although they had told me they would give me the 30 days to come up with the money. Upon receiving the foreclosure court documents I contact them again at the executive branch number that was given to me when I was contacted about the state department of finance contacting them. I spoke to one representative who was not helpful and could not tell me what was going on with my case but took down info and assured me my case worker would call me that same day as it was my only day off. I received No phone call. I called again on XX/XX/XXXX and left him a voicemail with name, best number to reach me at, and that I would appreciate him calling me back before XXXX as that is when I needed to leave for work. I have provided a more detailed account of my issues with Wells Fargo in the supporting documents

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 2019-04-10
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account was not opened by me. Not my account. Account opened and obtained fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Earnest Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My student loan is processed by Earnest. My standard rate is 4.210 %. I am enrolled in auto pay and as a result I supposed to receive a .25 % rate reduction. Despite my enrollment, Earnest refuses to provide the reduced rate without explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-06
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my 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 2021-05-03
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
US bank deactivated my reliacard for " inactivity '' even though it had been active up until the date they deactivated it. Then they refused to reactivate it until I submit an ID to them and a selfie. They only made this option available via smartphones and tablets via a software application that does not work on my only smartphone. I have called them and they refused to allow me to try an alternative method. They are refusing to reactivate my account and give me access to my funds or close my account and deliver a check to me for the remaining balance. They have effectively stolen over {$400.00} from 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
Consumer complaint received 2018-04-22
Company: Experian Information Solutions Inc.
State: TX
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:
IN REGARDS TO: XXXX XXXX XXXX 1XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. 
I DISPUSTED THIS INACCURATE MORTGAGE ACCOUNT THATS REPORTING 30 DAYS AGO. I DISPUTED THIS ACCOUNT WITH THE CREDIT BUREAUS AND IT CAME BACK VERIFIED. NOW THIS REALLY HURT ME, ESPECIALLY AFTER I HAVE BEEN TO CIVIL COURT AND WON MY VERDICT AGAINST ALREADY FOR INACCURATELY REPORTING MY ACCOUNT WRONG. I'VE ASKED THEM TO SEND ME DOCUMENTS SHOWING THAT WHAT THEY ARE REPORTING TO THE BUREAUS IS ACCURATE. WHICH THEY INSTRUCTED TO TAKE THE MATTER UP WITH THE BUREAU IT'S NOT THEM. SO HERE I AM AGAIN GOING THROUGH THIS WHOLE DISPUTE PROCESS OF FINDING OUT WHO'S LIABLE FOR REPORTING INACCURATE INFORMATION. IF XXXX XXXX XXXX CAN NOT PROVIDE ME THIS INFORMATION OF WHY I HAVE A 30 DAY LATE PAY IN XX/XX/XXXX WHEN I HAVE NEVER BEEN LATE, AND  WHY THEY ARE REPORTING INACCURATELY THAT THE LOAN IS BEING MODIFIED. THEN TO TOP THAT OFF  IN MY COMMENT SECTION INACCURATE REPORTING OF A BALLON PAYMENT OF $XXXX DUE BY XX/XX/XXXX WHICH IS COMPLETELY FRIVOULOUS. IF THEY CAN NOT PROVIDE ME THIS INFORMATION, THEN THEY MUST REMOVE IT AT ONCE. I'M NOT ASKING FOR A BILLING STATEMENT EITHER, BUT PROOF. UNDER THE FEDERAL SERVICE ACT-REAL ESTATE SETTLEMENT PROCEDURES ACT 12 U.S.C 2605(e), I'VE REQUESTED A QUAILIFIED WRITTEN REQUEST AND RECEIVED NO ANSWER.
DUE TO THIS I FEEL THAT XXXX IS REPORTING THIS ACCOUNT TO THE CREDIT BUREAUS IS INACCURATE, SO PLEASE PROVIDE ME WITH THE FOLLOWING INFORMATION:
1) ALL TRANSACTIONS PERTAINING TO THIS ACCOUNT.
2) HISTORY OF ALL TRANSACTIONS  PERTAINIING TO THE ESCROW OF THIS ACCOUNT.
3)ALL PROPERTY INSPECTIONS FEES.
4) ALL FEES PERTAINING TO THE ACQUISITION OF THIS LOAN.
5) DETAIL BREAK DOWN OF ALL PAYMENTS, INTEREST AND LATE FEES IF ANY ASSOCIATED WITH THIS ACCOUNT.
6) THE PAY OFF AMOUNT.
IF THIS REPORTING INACCURATELY CONTINUES, I WILL HAVE NO OTHER CHOICE BUT TO CONSULT WITH A CONSUMER RIGHTS ATTORNEY REGARDING MY RIGHTS IN THIS MATTER, AND BASED ON MY RESEARCH OF THE FACTA ACT, AS A CONSUMER I HAVE THE LEGAL RIGHT TO DISPUTE ANY INACCURATE ACCOUNT DIRECTLY WITH THE LENDER/CREDITOR. I KNOW YOUR COMPANY WILL DO THE RIGHT THING, I HAVE ALL DOCUMENTATION AND I'M CAREFULLY TRACKING ALL CORRESPONDENCES. I WILL HOLD YOUR COMPANY RESPONSIBLE IF YOU FAIL TO PROVIDE ME WITH THE INFORMATION.

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