BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-05
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: Information belongs to someone else

Complaint:
I am very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Experian Information Solutions 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:
Someone applied for credit cards on my behalf, leaving hard inquiries on my credit report.

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 2019-09-18
Company: EQUIFAX, INC.
State: ME
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:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
There is information reporting on my credit file that does not belong to me : XXXX XXXX opened XX/XX/XXXX ( Please remove from my credit file ) XXXX XXXX is inaccurately reporting that i was late in XX/XX/XXXX. Please remove these inaccurate lates on my credit file. 

Please remove incorrect address information : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX, and XXXX XXXX Please remove unauthorized inquiries. I did not authorize these inquiries. 

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 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A continuation of XXXX, Capital ONE calls/emails me everyday in attempt to collect on an amount that I do not owe. They have yet to retract the fees and interest accumulating on this account. The last and final payment on the card was paid via my XXXX credit account on XX/XX/XXXX in the amount of {$200.00}. I will submit a complaint from now on for everyday that they attempt to collect on something I do not owe.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: Monterey Financial Services LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never checked my credit score, but I was applying for a Mortgage Origination License with the NMLS, and I discovered a derogatory item on my credit history. It is showing that I have an existing account in collections from XXXX XXXX XXXX, stating that I have taken out an unsecured loan that was originally opened on XXXX XXXX, XXXX, totally an amount of {$3900.00}, which now a closed account due to insufficient payments. I have not taken out any type of loans in or around that time it states, and I want to resolve this problem before it affects me anymore. I am not sure if it 's mistaken or identity theft but I tried reaching out to the service. XXXX XXXX XXXX and they said that " my account is no longer accessible '' because they sold my account to another company. I then asked for the company information to who they sold it to or passed it on to and I was told from the person I spoke to that, " He will call me back with a phone number '' so I can reach out to them. I never heard back from this company and called back for a second time and was told the same thing the last time I spoke to XXXX XXXX XXXX. Again, I received no phone call or email. At this point, I am stuck and do n't know what to do and will want additional help to resolve this matter as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: JPMORGAN CHASE & CO.
State: NY
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 when to XXXX to buy something but the cashier told me that I was not able to purchase because I was not the card member, his name was XXXX and he called the manager and confirmed that I was not able to buy the product, at this time he returned my credit card and passed the next person, I did not signed any bill or was able to purcharse anything and I spoke with chase and explained but they don't want to hear They taking XXXX side since the first time. 

XXXX XX/XX/2019 XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America decided to close my account but keeps changing the closing day from XX/XX/2019 all the way to the date of this letter. I have bills to pay and ca not get my balance so I can get back to my normal life. When called they said that was the way they worked and I had to wait. I do not mind waiting but there has to be a date by which I should get my funds. They lie to me every time I speak to them by changing the date.

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 2022-08-10
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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 called XXXX  to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late XX/XX/1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
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 called XXXX to inquire of a credit card someone attempted to open in my name and they wouldn't give any information other than asking and I foolishly gave them all my information. I am afraid of identity being stolen again. I am a victim of identity theft. The matter I assured them it was not me, for I have not written a since the late 1990 's. Please remove the items that pertain to me. I not ever received any correspondence of any kind such as phone or mail.

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 2018-04-18
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: Credit inquiries on your report that you don't recognize

Complaint:
Personal information was stolen back in early XX/XX/2016 and since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.

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 2018-05-05
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A fraudulent retail card was opened up on my behalf over a month ago with XXXX jeweler without my consent. The bank that issues this card is XXXX I have never made this transaction nor do i recognize this activity on my credit report. I do not know the exact day it was open but i know it was some time during the end of XX/XX/XXXX. This account has caused my scores to decreased rapidly due to high credit utilization.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: Servis One, Inc., Titusville, PA Branch
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX failed to make the payment to my homeowners insurance company. They lied about making the payment and when it was sent out.They have increased my mortgage payment substantially twice, within 2 months, with no notice or explanation. Calls to customer service result in representatives telling me I will receive something in the mail or that my account has not yet been updated to display the accurate disclosures. XXXX has not properly disclosed its practices as required by the regulations and is making misleading statements to conceal its practices, resulting in consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
unauthorize transaction of result of identity theft & fraud police report # XXXX & fraud police report # XXXX attached

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 2021-02-20
Company: AES/PHEAA
State: OH
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 filled a dispute awhile ago in regards to the incorrect information on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted the SPS mortgage servicing company to request a mortgage loan forbearance due to work closure on XX/XX/XXXX. 

My mortgage loan was transferred from XXXX XXXX XXXX as of XX/XX/2020. After registering as a new customer with SPS, I immediately asked for a forbearance due to my job situation. I also sent two emails to my account 's Relationship Manager on XX/XX/XXXX and XX/XX/XXXX respectively. Those emails were never returned. I also sent a letter dated XX/XX/XXXX outlining my concerns about the proposed forbearance plan and my objection to the agreement. 

Although approved for the forbearance, a balloon payment was to be required in month 4 of approximately {$12000.00}. If I am asking for a forbearance now, how does SPS expect me to make a large balloon payment 4 months later? When I called a spoke to an SPS representative, they could only tell me that " some options '' would be available to me within 30 days of the forbearance plan 's end date. I pressed the representative for answers but all I got was excuses and confusion. 

At that point, I asked that the forbearance plan be cancelled. I told the SPS representative that the CARES ACT does not authorize mortgage lenders or servicers to add on balloon payments at the end of a forbearance period. Again, I received no assistance but excuses. I also made note of the CARES ACT provision within my XX/XX/XXXX correspondence to SPS. 

SPS has no interest in helping struggling homeowners. I request that your organization hold them accountable for not providing solid solutions for homeowners during this COVID-19 crisis.

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: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX : CITICARD XXXX ELITE PLATINUM SELECT XXXX XXXX XXXX XXXX 1. I made use of a 0 % balance transfer/purchase rate from Citicards a few months back with the understanding it would expire in XXXX, 2020. 
2. In the meantime, I have never made late payments and have been an outstanding customer for Citi over the years.

3. I had about {$5600.00} on the card in XXXX, whose promo rate was set to expire in XXXX. I proactively called Citi customer service and spoke with a manager and asked about extending the low interest rate or any other savings options available in light of COVID-19 4. I was advised in that ( recorded ) phone call that I would need to call back in one month when the cycle had ended, so that I could obtain relief. Relief measures included extending the same low interest rate for a few more months or transferring me over to a similar, low rate ( close to 0 % which was currently on the account ). 
5. I asked the agent to make notes in their system reflecting my detailed conversation.

6. I duly called back on XX/XX/2020. The agent advised me that there were no notes in the system reflecting any of my previous conversation or request in XXXX. 
7. I asked to be transferred to a supervisor. I was given a supervisor by the name of " XXXX '' with whom I spoke ( after obtaining clearances to speak as an " authorized user '' on the account ). 
8. XXXX told me there were no notes in the system and that she was unable to grant me any offers ( either as extensions or as low rates close to what I had been using thus far ).

9. Considering that I was specifically promised relief and considering Citi 's own self-announced relief for cardholders, and considering that I had not been in default, and considering my card loyalty for many years, I found Citi 's position aggressive, unyielding, tone-deaf and patently unfair. 
10. I am asking that CFPB investigate their behavior, summon all records needed, and make a determination as to their representations in this matter.

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 2019-04-05
Company: EQUIFAX, 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:
This credit card was my fathers card. He added me as a signor but I never applied for credit to be included on the account. I did not use the card. My father passed away XX/XX/XXXX. Since then they have tried to collect the debt from me and reported it on my credit. I have disputed this with all credit bureaus. After multiple times, XXXX agreed to remove the information on my account. However in XXXX they hit me again on my taxes with a cancellation of debt form 1099-C in the amount much less than what shows on credit report still in XXXX. 
Still to date, this shows as a negative closed unpaid account on my credit. How many times can they impact me negatively through my fathers card? Enough!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: COMMERCE BANK
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
ON XX/XX/2019 I APPIED FOR THE CHARITY CHARGE CARD BY COMMERCE BANK, THEY PULLED XXXX AND AS A RESULT DENIED ME BECAUSE I HAD NO SCORE SEE ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
In XXXX of 2020, I disputed an item that was fraudulent ( XXXX XXXX XXXX-acount # XXXX ) on my credit report with the three credit bureau XXXX, Equifax and XXXX  for this fraudulent account to be removed from my credit report. I asked for verification from XXXX XXXX which is self lender loan, to show me where I sign up for this account and how would this loan be paid for. I did not sign up for self lender and I placed fraud alert on my credit report So nothing else would come up on my report in my name fraudulently and addressed this issue with the credit bureau in my dispute letter that I don't know where this comes from. I also reached out to XXXX XXXX XXXX  and could not receive any information from them so I'm reaching out to the cfpb to get some resolution to this fraudulent account that was placed in my name.Because clearly this is identity theft and no one is helping me with this matter. I don't know how much wood this was a loan that was set up in my name fraudulently and apparently whoever did it made two payments out of a bank account that clearly is not mine. But I'm not getting any response from the three credit bureaus or XXXX XXXX XXXX. So I'm asking for an investigation to show me where I signed up for this loan and to have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: NCC Business Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After dealing with an XXXX  in South Carolina, it changed my life drastically. It involved a change of address and non the less all communication was sacred. Willing to pay the debt that I accumulated, I called the XXXX @ XXXX XXXX and spoke with XXXX ( horrible person ) only to be told there is nothing that they could do, never giving me the debt collectors information or helping assist me with settling the debt I owed. I resided with the XXXX @ XXXX XXXX for a year, fulfilling my lease, and making sure all was well with rent payments, late fees, etc. Before moving out of my apartment I thorougly cleaned each room, leaving a cleaned apartment complex. Even the carpet was cleansed. As a victim I had no clue where to start after the incident, so it caused multiple complications such as lost wages and social complications. Please help me to settle this debt so that I will not have to file bankruptcy. Sincerely XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-06
Company: Navient Solutions, LLC.
State: MO
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:
On several occassions I contacted SallieMae and Navient regarding difficulty in making payments. Sallie Mae had told me on one occasion that my loan was not eligble for forgiveness because it was initiated before XX/XX/1991, even though I qualified in XXXX area, including teaching ay-risk students in non-profit intitution, in an urban area. Both servicers offered forebearance, and never offered any repayment options. I beleive my loan has been in forbearance a total of 10 times. I dont rememberdate as this has occurred over 12 years. At one point my loan was {$9000.00}. Now it is up to {$20000.00} because representatives at Navient recommended forbearance.

Company response to consumer: Closed with explanation