BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-08
Company: Experian Information Solutions Inc.
State: VA
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:
ear Sir or Madam : I am concerned about the validity and accuracy of Experian 's recent investigation of the following accounts that are reporting on my credit report : DEPT OF EDUCATION/XXXX   XXXX {$9000.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6700.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$3900.00} XXXX DEPT OF EDUCATION/XXXX   XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$7200.00} XXXX DEPT OF EDUCATION/XXXX  XXXX {$5100.00} XXXX DEPT OF EDUCATION/XXXX XXXX {$6600.00} XXXX XXXX/XXXX XXXX {$560.00} XXXX On two separate occasions, I have requested an investigation because I felt these items on my report were not being reported legally. I received a letter stating that their investigation complete. My initial dispute was detailed and directly related to the accounts in question. 

The Department of Education was not able to validate any information after I sent a certified letter to them. Experian stated that everything was verified but showed no evidence of this after I asked them to supply the information. These accounts should have been deleted from my account and should not be reporting to the other CRA because proper and legally required validation and verification did not take place. 

I've followed the legal and rightful process to dispute these accounts several times with the bureaus through written and signed requests regarding being a victim of identity theft. The letters were sent through certified letters, with USPS tracking numbers. Each letter was signed and received. 

The sole purpose of this letter is to inform you that I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with 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 explanation
Consumer complaint received 2018-05-31
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Early Warning Services, LLC
State: NE
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
My former complaint number reference : XXXX I want to tell you more about the identity theft that occurred this last weekend of XX/XX/2022 - XX/XX/2022 XXXX XXXX XXXX XXXX only took tech questions from the man who was pretending to be me. They did not ask me personal questions like how many holes are in your XXXX undershorts and what is the brand name ( XXXX holes no brand name it fell off ) They could have asked a number of personal questions that only I would know and all those questions would have to be answered correctly before ANY money is released to ANYBODY from ANY accounts ANYWHERE. And they didn't even use a voice identification which if they would install XXXX and used it, they would have heard that man was not me at all. I got to hear the recording of his phone call to Zelle at my XXXX Bank today. They let me hear it. So you see, many - many - many things could have been done to prevent this from ever happening and it is the company Zelle, XXXX Bank in XXXX, Nebraska, and XXXX XXXX XXXX XXXX 's fault for not using identification questions that are personal and using a voice identification. They are all three negligent. Plus, any XXXX of those places could have called me first at my home phone number that this man does not know to see if it was really me making this transaction. Not everybody has a home phone. I DO! And most people have more than XXXX cell or mobile phone. Again all three of these companies are negligent at my expense. NOT FAIR!! That is why I say, " Get a lawyer to sue all three companies. I can not afford one because I am on Social Security XXXX XXXX, but there could be any lawyer, chomping at the bit to have a case like this. I would win, hands down because of all three companies ' negligence. '' But all three companies argued with me when I told them what they all could have done that would have worked just like I told you, and this identity theft NEVER would have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began working on a VA interest rate reduction refinance loan with Freedom Mortgage who is also my current lender. When we reached the time to began closing the loan I noticed the payment would be {$100.00} higher than my current mortgage. The lender stated it was due to the adding requirements for flood insurance. I currently have insurance without flood insurance from the origination of the loan. It was reviewed at that time flood insurance was not required. I let the lender know this is not what we agreed to and to cancel the loan. He checked with his Vice President of Freedom Mortgage who argues that I need to take it up with FEMA. The attached document clearly states flood insurance is not required in my area and this document was provided by the mortgage company. I also have a map of my location and an email from the city engineer who have validated that we are not required to have flood insurance. I have attached my conversations with the loan specialist, what the VP said, the maps provided. 

Hi XXXX, Mayor XXXX talked to me about the issues you were having regarding potential flood insurance, and asked me to look into it further. I pulled the official FEMA floodplain map for your address, which is attached. This map shows that your property is located in XXXX XXXX XXXX, which is not a Special Flood Hazard Area ( SFHA ). All land is given some sort of designation, which can be confusing. The determining factor should be if a property is located in a SFHA, as mentioned is section D of the flood insurance certificate they provided you. Feel free to give me a call to discuss further. 

Thanks, XXXX XXXX, XXXX XXXX XXXX XXXX/City Engineer City of XXXX XXXX Direct : XXXX | XXXX General : XXXX | XXXX   XXXX XXXX XXXX XXXX, XXXX XXXX, MN 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 2017-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I really need help. I am XXXX and was approved for a medication from Bank of America. Since the medication, I had many expected medical problems last year which resorted to me getting XXXX XXXX. I was also involved with the housing programs. They completely rehabbed my home to accommodate my XXXX. The problem was that I had to move out and continue to keep up all the bills including mortage and utilities and rent somewhere else just to live and I had to pay rent there. They XXXX County promised me that it would be no longer that 90day and instead it I was out for 180 days which messed up my pockets. I have been sending money until they stopped accepting it. I also do n't understand that under the original modification I was approved. I 'm also getting more money through XXXX and keep getting denied when I was approved with a lesser salary Please help ... .I have no place to go. I have been in my home for over 20 years. I have pleaded and pleaded. I 'm trying to catch up. There has been a change in my circumstances and my financials, No one from Bank of America has asked me for any update nor my XXXX award letter nor and of my medical records. Please, please, please help me save my home.

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 2019-12-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX is shown as closed on my equifax report. I have never done business with this company. I need this to be completely deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
transunion will not provide me iwth the opportunity to dispute or correct inaccurate information on 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 2017-06-06
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
The credit companies are reporting I have tax liens reported by different courts. The courts DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
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: Public record information inaccurate

Complaint:
The credit companies are reporting I have tax liens reported by different courts. The courts  DO NOT report tax liens. This information is being reported incorrectly. This is a violation of the Fair Credit Reporting Act Section 1681B ( c ) and  a serious breach of my privacy rights.

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 2017-06-06
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  advised that my loan servicing was transferred  to PNC M ortgage. My notice advised that I had 15 days before having to make payments to another servicer. To put this in context, I was about to go on a 60 day trip overseas and could have completely missed this letter. The amount of time given was completely inadequate and I could have lost my home to foreclosure or at the least been charged a slew of fees and had my credit damaged. This is completely unacceptable. Given that my loan is for 30 years, nothing should move as fast as this. 3 months should be the minimum amount of notice of a transfer. Auto-draft payments should transfer, and there should me much more notifications than a simple letter in the mail that can easily be lost.     Additionally, I called the company today (  XXXX / XXXX / 17  ) and am unable to make my regular payment. They advised that my loan was " being processed '' I would not be penalized. I however, have no written guarantee or protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Amazon.com has a Store Card, which advertises as follows : " Amazon.com Store Card  by Synchrony Bank 5 % back with an eligible Prime membership 6 equal monthly payments with 0 % interest on purchases {$150.00} or more 12 equal monthly payments with 0 % interest on purchases {$600.00} or more 24 equal monthly payments with 0 % interest on select purchases {$600.00} or more Special Financing options available on purchases of {$150.00} or more No annual fee '' The positive comments about the card given by " consumers '' seem more like being done by employees of Synchrony bank or by relatives of those working for such bank ; such " positive '' comments make no sense. 

Upon an urgent need, anyone would be tempted to apply ; the application goes smoothly, and within 2-3 days you get your credit card. 

However ..., the advertisement as quoted above gets discovered as being DECEPTIVE in  the sense that even if you pay some amount higher than the minimum due, they end up charging you and it is as if you did not pay at all. 

To ease this, {$1100.00} was paid last XX/XX/XXXX ; then, still paying something more than the minimum, like {$20.00} more or even more than this, they will still say you owe {$2000.00} in a few months. If the consumer 's personal bank takes its time processing transactions, and a payment to the " Synchrony '' bank goes through, they are not in any position to call you or send you an urgent e-mail saying that the payment was declined ; you can discover this months later, and after speaking with a customer service representative, they close your account ; it does not matter to them that one shows willingness to pay and that declined payments were discovered very, very late [ without their notice ]. 

We consider this practice DECEPTIVE and do NOT recommend the current Amazon.com Store Card to anyone. We say " current '' because Amazon.com is successful and smart enough to know to hire better financial institutions who can offer a fair deal and with no deceptive advertisements ; for sure Amazon.com will hire another financial institution.

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 2022-04-07
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
n accordance with the Fair Credit Reporting act XXXX Account Caine & Weiner, XXXX 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 2019-12-08
Company: ERC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To whom it may concern : I received my credit report and found that information from ( XXXX ) was reporting inaccurate information on XX/XX/2019, I sent a letter disputing the information to XXXX XXXX, they verified the information as accurate. On XX/XX/2019 I sent another letter disputing the incorrect information with XXXX  allowing 15 days to reinvestigate my dispute, again it was verified as accurate. On, XX/XX/2019, XXXX, XX/XX/2019 I sent a letter to the collection agency ( ERC ) to verify proof that I have a contract with them, they sent me a bill, never answering my question and showing no proof. My rights have been violated by the reporting agency and the collection agency, they are damaging my credit history with false and inaccurate information. By refusing to delete this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-20
Company: Nelnet, Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have a few student loans that 's not matching up &amp; I checked  my credit score to   find an unfamiliar address that I 've never lived or used on my report. There 's no way this could be a mistake being as tho all my student loan information should all be the same. I believe that some foul play is going on with  XXXX   XXXX   XXXX  in  XXXX   XXXX  &amp; I believe that 's where the address came from. I 've never lived at  XXXX   XXXX   XXXX . In  XXXX   XXXX  Maryland. I 'm not even sure exactly where it 's at in  XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I tried disputing this last time but I received mail from CFPB so Im gon na attach identity verification with this my problem is I havent applied for any credit Im XXXX XXXX XXXX I made a report with the FTC none of these inquiries are attached to any open accounts I didnt authorize any of these inquires. Ive sent XXXX, Transunion, and XXXX certified mail. This is messing with my lively hood.

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 2017-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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/XXXX was denied credit from XXXX for a business credit card due to transunion reporting a bankruptcy on my file. I have no bankruptcy reported on any credit report from any bureau under public files. My XXXX mortgage that was modified in XXXX is reporting under remarks : bankruptcy dismissed. Loan modified. However, there is no date of when the so called bankruptcy was dismissed and is honestly reporting information well past the max of ten years. This mortgage was paid off in good standing. I put a dispute in on XX/XX/XXXX after I contacted XXXX XXXX and Transunion regarding this issue. XXXX XXXX stated that it is transunion 's problem bc they are recognizing a bankruptcy and just reporting it. Transunion says its XXXX problem bc they are the one not updating the information and keep reporting that the bankruptcy is dismissed. The dispute came back XX/XX/XXXXwith no change in the results I contacted XXXX XXXX again and Transunion and placed new disputes but neither was willing to work to change the issue and continue to blame each other. I have put in another dispute and contacted a lawyer for further advise. XXXX does not report this account at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
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: Personal information incorrect

Complaint:
I had Identity Theft did a Police Report on XX/XX/20 called XXXX to fix my information Name is spelled wrong and phone number has changed I still havent heard back from them I also alerted the 3 Credit Bureaus to Update Information and fix all Credit Reports because this is due to Experian Messing up on their end

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