BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: WA
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:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am not the owner of XXXX XXXX XXXX ( ORIG CREDITOR : 06 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 11 XXXX  XXXX ), XXXX XXXX  ( ORIG CREDITOR : 11 XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : 07 XXXX XXXX XXXX I do not owe these companies..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: Experian Information Solutions Inc.
State: NV
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:
On XX/XX/XXXX on noticed items were on my credit report that did not belong to me so I ask the credit agencys to please verify these accounts via ftc section code 609 but they refused to verity these accounts and continue to keep it on the my. credit

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 2017-11-09
Company: CAINE & WEINER COMPANY, INC.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have had dealings with XXXX XXXX, I will admit this but not once, in any written letter or e-mail sent to me, have I ever received a bill saying I owed them money. What is this debt for? With the data breach, is this debt even mine? And why have I received no letter in the mail from the collector about this debt before they are allowed to put a negative mark on my credit report. I disputed this once with XXXX already and they put it back up again and I still have no letter in the mail. I am definitely disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: EQUIFAX, INC.
State: PA
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:
Hi, my name is XXXX XXXX XXXX. I am reaching out today to have the following negative items removed from my credit report. The items I need removed are listed in the report attached. I have notified the companies that I did not make the charge. I ask that these items are deleted from my report in order to correct my credit file. These fraudulent charges are showing negative results on my credit report. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the Federal Trade Commission 's Identity Theft Affidavit. Please remove these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
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:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections ... .Its a bit confusing when an account is a charge off and showing a balance at the same time..Please remove this error and fix my accounts XXXX ( reported thrice on my Equifax credit report ) , XXXX XXXX XXXX, XXXX XXXX ( reported twice on my Equifax credit report )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Specialized loan servicing is currently holding {$34000.00} in escrow when my annual combined tax and insurance are {$16000.00}. I have been attempting to get a review and a refund for months. The automated phone system is circular -- it just starts you back at the beginning every time it says its connecting you to the escrow department. And the people who answer the online message submissions outright refuse to help. Even worse, the system does not allow you to respond to their responses ... you have to start all over again.

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 2021-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I keep getting calls from someone saying that my Visa card or XXXX card issued by bank of america was used to purchase {$880.00} worth of stuff on XXXX. 

They mention any financial company. In this particular call they mentioned bank of america and XXXX. When I called them on their scam they hung up on me and then texted from a different number. In the text they mentioned Visa. 

Numbers usually comes from : XXXX XXXX XXXX Date : Thursday, XX/XX/2021 Call time : XXXX Text time : XXXX I think they are trying to get me to give up private information in order to steal my identity. They keep calling.

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 2018-01-22
Company: ID Analytics, Inc.
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: Personal information incorrect

Complaint:
incorrect information reported XXXX XXXX 2017 by XXXX  and 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 2017-08-30
Company: Integrity Group Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
In XX/XX/XXXX or XX/XX/XXXX, I was contacted regarding help with forgiveness on federal student loans. A gentleman named XXXX working for Integrity Group, Inc.spoke with me regarding the process. He explained I would save thousands of dollars on federal  student loans if I would let them help me. I explained that my loans were in forebearance and he said that did not matter. This process would kick in once forebearance ran out which was not until XX/XX/XXXX. I agreed. Paperwork was completed and it appears XXXX XXXX XXXX paid Integrity Group {$1300.00} on my behalf. I was to pay XXXX {$39.00} a month till paid in full. He explained that someone would be in touch with me to move forward. I next spoke with XXXX XXXX from Integrity Group who said he would be administering the process for my student loan forgiveness. As forebearance time came near, I logged into my XXXX account and saw no activity adjusting the promised monthly amount. I called XXXX at Integrity and he assured me something must just be hanging up somewhere and he would fix it and get back to me. I waited a week or so and heard nothing from him. I logged into my account again and there was no change. I then called XXXX and spoke to an associate. She checked andsaid there had been no one in my account or asking regarding my account. I explained to her what I just explained above and she said I should not pay any more dollars as it appears someone was taking advantage of a situation that I could, indeed, do myself. She helped me through the process of loan forgiveness with the adjusted amount. I have not heard from Integrity at all. Of course, I get notices that my {$39.00} is due. I have not paid XXXX amount.

Company response to consumer: Untimely response
Consumer complaint received 2022-03-05
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I can not setup automated payments for my XXXX issued by BMO harris. This is some serious Information technology error where very poor quality and cheap XXXX XXXX workers might be hired for IT operations. Reported this matter to BMO harris via secured mail. Wait time on phone is so long.

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 2022-03-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
In XXXX all my loans were current as of today XX/XX/XXXX I show two of my loans are past due. I received no mail or email or phone correspondent saying that my loans were past due. When I called them today they said they've been having some issues with their system so it may have not updated but they now are wanting double payments. These loans have been in non-payment status because I have been in school so I did not even receive anything in the mail saying that these loans would be due again. I can not afford {$1000.00} in loan payments. The only thing they are willing to offer me is forbearance which really does not help the situation. This issue is in regards to the following loans : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-12
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:
I have several inquires dated back to XX/XX/XXXX from a company called XXXX/ for XXXX , XXXX , XXXX and various other companies I had my identity stolen a year ago and I didnt authorize these inquires. Ive wrote the credit bureaus and the actually companies and they failed to take them off my credit report. I also have two accounts from XXXX XXXX XXXX  for XX/XX/XXXX and XX/XX/XXXX that are fraudulent that I have went back and forth with both the credit bureaus and the actually company and nothing has been done. I have a police report on file as well and they still have yet to fix these errors

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 2022-03-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not sent in error i am a consumer by law and my information was misused and now i have an account that is reporting making my report not 100 % accurate.

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 2021-10-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I lost my card and was unaware of it being gone until I logged into my capital one account to over {$4000.00} worth of charges all via XXXX. I filed a dispute on all of the charges with capital one that same day. I also received packages on my doorstep and upon trying to return them to XXXX was told that I was not able to because they were not made with my personal XXXX account. Within 2 weeks, the charges were back on my account and I was notified that XXXX gave sufficient evidence that I was involved in these purchases because my address was used for shipping ( and so was my name but it was misspelled ) I called capital one asking to appeal this decision that they made in favor of XXXX and was told that they simply do not have an appeals process. Whats done is done. So now Im being held liable for {$4000.00} worth of charges I did not make and stuck with items I have no use for. Theres no evidence I can give them to change their decision and theyre extremely unhelpful. I will be closing my account once Im able to finally pay off this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2021-05-10
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When I originally took out the loans it was advertised that I could release my co-signer after 12 on-time monthly payments. My first attempt was unsuccessful as new barriers to removal, unbeknownst to me, were put in place and I was denied. So several more years of on-time monthly payments go by and again I try to remove my co-signer. Again I was denied, this time for not having high enough creditworthiness. A couple more years pass and I work my credit score up to the mid-700s and applied again. Surprise surprise now I don't have a long enough credit history according to Navient. The reasons given were a ) a previous loan default ( which I am completely unaware of somehow ) b ) delinquent payments ( for federal student loans which are now many years removed from present day ) and c ) amount on accounts is too high ( I can't imagine the {$14000.00} I still owe them and am paying for is very much compared to many ). 

I've tried everything to meet the arbitrary standards to release my co-signer from my loan. I've made on-time payments every month for years and years and it's still not good enough. Navient seems to keep finding arbitrary reasons to deny my requests. None of these arbitrary barriers were advertised when taking out the loan so I feel doubly deceived.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted National Credit Systems with both bureau disputes and a direct furnisher letter. NCS validated the bureau disputes, but never responded to my direct furnisher letter asking for itemized breakdown of all charges that amount to {$4400.00} reported on my credit. 

I also mailed a letter to apartment owner, no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We had been applying for a modification with the original lender, XXXX XXXX, but then they sold the loan to a thieving deceitful company, Rushmore. We fell behind because there was severe damage caused to the house over 2 years ago by a pipe bursting ( not due to our actions we were not held at fault ) but XXXX refused to pay and we used all our money to save the house. The lawyers knew XXXX was wrong but they won anyway, not because they were right ( they finally came to court prepared to pay ) but the judge got " impatient '' with them and dismissed the case!!! So this disgusting company Rushmore is XXXX bent on foreclosing. They are snakes. We had been trying to reach them for months because the mod was not complete with XXXX XXXX, and XXXX XXXX told us just give them that last piece of info on hazard insurance to Rushmore. No Problem. Then we call Rushmore and find they have moved the foreclosure date from XX/XX/XXXX to XX/XX/XXXX, no reason, and have not allowed us to short sell which XXXX XXXX did allow. We had the 37 days required but they did not call us UNTIL IT WAS TOO LATE. Our realtor calls them every day now asking for a little extra time to short sell the house but they wo n't call back. They are forcing us to foreclose because it benefits them. We have been told that Rushmore has no interest in working with customers but makes their money on foreclosures. If this is not resolved and we are not given the few days we 're asking which would allow a short sale, we will take this to Federal court and all consumer agencies online and elsewhere. This is deliberate destruction of a consumers credit. I have now used both my adjournments to move the foreclosure date first to XX/XX/XXXX, then to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: WA
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:
I have paid my auto 3+ years and 2 credit cards 2+ years on time without any lates. Pay off credit card balances every month. Why are all 3 bureaus still showing fico under 600?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: VALLEY NATIONAL BANCORP
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I called Valley National Bank XXXX XXXX XXXX to make the 1st payment. I was told to call back Monday XXXX XXXX XXXX to get the payoff balance. I called back Monday XXXX XXXX XXXX. And they gave me the payoff amount of XXXX and told me it will be XXXX each day and the amount they gave me was XXXX less than stated. I refinanced the loan with the XXXX XXXX XXXX XXXX XXXX. The exact amount I gave the police and fire credit union included a ten day interest accrual. XXXX sent Valley national Bank the check. A week later XXXX states I owe them XXXX more. When I asked what is the extra amount for. The lady stated it could have been a clerical era and the person I spoke to on Monday gave me an incorrect amount. That is a lie, when I spoke to the XXXX XXXX XXXX She pulled up my account. She stated my first payment went thru. And she told me the payoff amount. XXXX is trying to get more money from me. I want them investigated. I want your to look at the statements, and review the conversations which they have. And the copy of the comments. The lady told me that interest rates can change. No way in XXXX can it change from a payoff amount, than days later accrue {$86.00}. I want someone to review everything on my account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-07
Company: Credit Protection Association, L.P.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I discontinued service with XXXX XXXX. I at that time brought in my boxes and all equipment. I received an email the following month showing that I had no balance and nothing was due for the next billing cycle. In XX/XX/XXXX when I applied for credit I saw a collection on my account that I had no knowledge of. I reached out to the company and they informed me it was from XXXX. I called XXXX and was told they are not handling my account any longer. I sent in a validation letter to Credit Protection XXXX on XX/XX/XXXX with no response and again on XX/XX/XXXX. I then received a notice from them the balance was correct with a screenshot from XXXX. I requested they show how they got to this amount and to validate how the total was calculated as I had a XXXX balance statement. The company has not provided any of this b/c it does n't exist. When I call and push 2 for s dispute the call is disconnected. I have called several times. I want this information removed as it is not correct.

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 2017-11-09
Company: Diversified Consultants, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
was on business Travel and XXXX XXXX violated the tcpa rules by calling me 4 to 5 times a day without direct Communication. 17 abandoned calls. LINE IS FOR BUSINESS USE ONLY. PROCEDING TO TAKE LEGAL ACTION

Company response to consumer: Closed with explanation