BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-15
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: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-08-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I find the Experian is very uncooperative with regards to security freezes. I am trying to temporarily lift my security freeze but their website will not allow me to do this online despite my verification of my personal information including the fact that I am providing the PIN they gave me when I signed up for the freeze. I was able to lift my freeze last XXXX but for some reason their website will no longer allow this. 

I see no reason why Experian will not allow me to temporarily lift my freeze online when I am able to verify all of my information. The telephone number they provide for support simply gives instructs to mail a letter which is not acceptable. 

Because they are holding my credit XXXX I am loosing out on my ability to refinance my mortgage at a lower interest rate.

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 2019-08-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To CFPB, My name is XXXX XXXX, I have asked lakeview mortgage to close my FHA case number because I was going with a different mortgage company that gave me a better rate and I felt more comfortable with. They have told me that it was done but it has not been completed.I am not able to close because they have a file still open with the FHA. I have contacted lakeview as well as the mortgage company that I am going with has contacted them, to ask them to close the file, as well as give them the steps to close the file number so I can close on my mortgage. They have not done so and it has been over 3 weeks now. 
I have spoken to XXXX XXXX the mortgage loan originator his contact number is XXXX or XXXX NMLS # XXXX / Company NMLS # XXXX. I have also contacted the Loan processor XXXX XXXX XXXX XXXX XXXX , XXXX on Behalf of Lakeview Loan servicing her number is XXXX. 
This has cost me over {$2000.00}. I have sent emails and phone calls still to no avail. Lake view is telling me that they have cancelled it but when my mortgage company goes to check the FHA file is still not closed that lake view has pulled with the FHA. I feel as though they are playing with my finances and my credit by not closing the file they had pulled with the FHA after numerous calls and emails and a form of retaliation because I chose a different mortgage company to do my streamline refinance. 
please help me to get this resolved. I hope they are not doing this to other people. 
this is costing me time, money and energy that is unnecessary. 
if you have further questions do not hesitate to call me. 
Thanks, 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 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/19 I disputed the XXXX XXXX account with Transunion. Transunion stated that the account is valid. I reached out to XXXX XXXX and they were unable to provide me with validation of the debt. If XXXX XXXX could not provide me with the documentation how did they provide it to Transunion? Clearly they didnt. 

I then requested the method of verification from Transunion. That I have not received. 

Transunion is still reporting this account and it have not been validated.

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 2023-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
a lot of information on my credit report is invalid. I am interested in disputing any invalid data on my credit report with transunion that is hindering my file.

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 2019-08-15
Company: SYNCHRONY FINANCIAL
State: OR
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:
On XX/XX/19 I called synchrony bank to pay off my credit card in full and close it out. I was trying to pay off the amount of XXXX. But the woman I was talking to some how entered the amount of {$550.00}. I did not authorize the payment and they processed it. I was then told because I did authorize the XXXX payment that I did authorize the {$550.00} payment and there is nothing I can do they cant change it and I cant pay another payment until the next business day. I was on the phone 40mins trying to figure out how they where going to fix there mistake and they basically said there is nothing they can do to fix the problem. 
I went straight to my bank and had the {$550.00} payment flagged and now get to wait 10 days u till I can go back to my bank and schedule another payment because this company made a mistake. 
I do plain on paying this card off in full I have already closed the account with them and I just want it known that they did process a payment that I did in no way authorize. 

My name is XXXX XXXX I can be reached at XXXX or XXXX Thank you for your time. My main concern is what if she hit XXXX would I just have to deal with that too?

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 2018-12-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
I have been victim of banking fraud for both Wells Fargo and XXXX XXXX XXXX.

My bank is XXXX XXXX XXXX and other party is Wells Fargo. I made transfer via XXXX on XX/XX/2018 and it was accident to send wrong person and same day, I have contacted my bank to be protected and I also contact the other party who I sent wrong. He is very cooperative with me to return money. As of XX/XX/XXXX, he sent me letter from his bank that they have reversal and claim was closed and return money to my bank. I filed dispute with XXXX XXXX XXXX and the lady from XXXX XXXX XXXX   called me and said Wells Fargo which is his bank, said they refused to return money due to unauthorized and my money is forfeit. I was so mad since I have evidence that they reversal but XXXX XXXX XXXX does not want to return money and I have no where to go than go back to file another dispute and drag Wells Fargo in. Since the other party said he is volunteer to return and cooperative and my bank refused to talk to him and I dont know what else to do to get money bank when Wells Fargo had send back 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 explanation
Consumer complaint received 2018-02-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2018 i send a certified letter requesting portfolio Recovery of XXXX XXXX XXXX XXXX XXXX Va XXXX I requested for the original contract rom the client which they could not obtain due to this debt is not valid or mine they send me idolized statement from an address that i never lived at and claims i still owe the debt but this company has violated the 15 U.S.C. 1692g of the fair debt collection practices act. They have not removed this Debt from my credit report yet and they have violated the fair credit reporting act also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: Experian Information Solutions 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:
I've tried to settle this matter several times before to no avail.

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 2018-02-26
Company: Asset Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Being sued for a loan from more than 13 years ago that I have no knowledge of applying for, no access to any initial loan information, never signed any promisary notes or agreed to being beholden to this debt, was a minor at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: Performant Financial Corporation
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I keep getting calls at work from a third party collection company called performance collection. They have called my bosses family and friends asking if they know me, calling my job after they were ask by my boss not to disrupt me at work. My friends and family. It needs to stop. I cant function at work and my HR is getting irate. But to call my bosses mother in law thats too much. Please help!!!!

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 2019-05-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a request for a modification because my mortgage has a balloon payment that is coming due. I do not want to lose my home. I want to modify the mortgage and receive an affordable monthly payment. Select Portfolio is giving me a difficult time with fixing my monthly payment. They are unwilling to help me. Please help. 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 2019-05-31
Company: EQUIFAX, INC.
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:
Equifax refuses to work with me to remove fraudulent information being reported on my credit report. I have been working with them sinceXX/XX/2019 with no success.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I recently moved to a state where they do not have the bank I currently use in which is XXXX XXXX. I decided to open a account with Bank of America ( online ) I tried on two occasions thinking I entered my info wrong because I got a denial response. I was denied the second time. I contacted Bank of America and they said I owe them money for an account that was in my name that had an outstanding balance. I told them that was impossible and must be fraud. They would not listen to me. They said the account was from some years ago but they said they could not retrieve any other info on account or debt. I had a account with Bank of America in 2017 in which I closed. Therefore, I know the debt is fraud because I would not have been able to open this account iif I had owed the bank a previous debt. Bank of America was a lender on my Federal Student Loan but that was 8 years ago and I am paying that debt to Federal Student Loan Dept. Bank of American employees have been very rude and not trying to help me resolve this matter. When I closed the account I had with Bank of America back in 2017 it was due to wrongly being charged unnecessary fees and always greeting letters from them that my account or info might have been jeopardized. I also received settlement checks from the as a part of lawsuits filed by customers for wrong charges. I thought by now Bank of America would have straightedges up their act and business practices. I will also be filing this complaint with the Federal Reserve. Thank you

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 2019-05-29
Company: Nelnet, Inc.
State: GA
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:
Hi, I've just exited deferment and was looking into consolidation as a means to lower my monthly payment and shorten my repayment period. I've had my loans in deferment while I have started my own business. I used their repayment planning tool on Wednesday, XX/XX/XXXX at about XXXX ET. 

However, NelNet is clearly forcing me into a prolonged repayment term that benefits them. When I attempt to select a term-based repayment plan, I receive four options.

1 ) Standard, {$7500.00} per month, fixed monthly payments, 10 year term 2 ) Graduated, {$7300.00} per month, payments increase over time, 10 year term 3 ) Extended Standard, {$1900.00} per month, fixed monthly, 25 year term 4 ) Extended Graduated, {$1300.00} per month, payments increase over time, 25 year term If you do the math on the Standard and Graduated 10-year plans, the interest rate is about 36 %. 

This is clearly forcing me into the most profitable option for NelNet, and penalizing me should I wish to pay off my loans early. While I'm not an expert in Student Loan lending laws, I can't imagine this practice is within the law. 

In addition, my loans have been serviced by several companies over the past 17 years. I made steady payments for about 10 years while I was not eligible for an in school deferment or hardship deferment. However, because the loans were transferred so many times my payment history was lost. NelNet, the most recent servicer, is unable to give me an accounting of how my prior payments of nearly {$100000.00} were applied and why my principle has increased above the original loan amount for all but one of my loans. The prior loan services are no longer in business and I am at a loss as to what to do to 1 ) confirm the actual amount I owe, and 2 ) begin repaying that amount. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had some random accounts show up on my equifax credit report ONLY. I did not recognize ANY of these accounts and noticed that they were decades old but were randomly reporting as " New '' and recently closed. When i looked at the accounts which were from XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX AND XXXX mastercard. These accounts were listed as closed effective 2008 and paid 2008. They are past 7 years, They are past 10 years. I don't know why they are randomly showing up on my account and they are decades old. Since the time limit for negative information has passed ( and this is negative because it is showing up as recently closed and closed by credit grantor ) and the time limit for positive information is 10 years, ALL of these accounts are past the time limit for reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Contacted Capital One and spoke to a supervisor, due to the continuous misinformation provided by reps of Capital One. I was told that there is no limit on the amount of credit cards that a Capital One consumer may have. I recently submitted and application for a 4th credit card and was told that I was declined for having too many Capital One credit cards. I have spoken to XXXX XXXX before with the executive office of Capital One, in which the customer service is still HORRIBLE. I have submitted recent complaints against Capital One to the CFPB and have not been given phone calls? Are they required to verbally contact a customer when a complaint is submitted to the CFPB? This is the WORST company to do business with, in which most are malady are.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-20
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted Collection Bureau of Ft Walton Beach , Inc by phone at XXXX on XX/XX/XXXX to inquire about account number XXXX on a collection letter i received in the mail in the amount of {$42.00} from the creditor XXXX XXXX. I asked the representative to verify the debt because i have never been to an office with that name. She stated it was for my daughter XXXX XXXX, who is an adult. I asked her why was this put on my credit. I filed for bankruptcy in XX/XX/XXXX ( case # XXXX in XXXX FL district ) and my debt was discharged. She said they did n't get the account until XX/XX/XXXX. This account does not belong to me and I asked her to remove the account. She released the line in my ear. I called back and got VM. I left a VM with my case number and got no call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: Innovis
State: OK
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:
innovis is reporting incorrect information on my reports.

1 ) XXXX account # XXXX 2 ) XXXX   XXXX XXXX XXXX # XXXX  3 ) XXXX XXXX XXXX account # XXXX  4 ) XXXX  account # XXXX 5 ) XXXX   XXXX account # XXXX  They are saying these account have been verified as belonging to me and none of them are my accounts. There is another person in the state of Oklahoma with similar social security number and same name that has been identified on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are several issues with my credit report that has taken in excess of 120 days way beyond the thirty days. It should only take 30 days to investigate the issues with my credit reports and request.

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 2018-02-26
Company: PNC Bank N.A.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to XXXX XXXX XXXX. My mother has a joint account that was being used at PNC and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I received an updated credit report from equifax yesterday. I was notified that my XXXX card card was removed off my credit report. This account is an account this is in excellent standing and should have never been deleted off my credit report. I am requesting to please report this account back onto my credit report.

Company response to consumer: Closed with explanation