BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-09
Company: Bayview Solutions LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX I called my XXXX XXXX XXXX and was notified that a third group named Bayou View Solution has purchased my debt phone number XXXX. I had been contacting the older creditor XXXXXXXX XXXX XXXX for several months to update a wrong balance. I recently talked to them. In my past i put in a disputes for records. These peole are targeting covid victims. 
XXXX I received a no caller ID call someone with the incorrect address claiming to serve me but provided me with the law firm contact XXXX. I called and was placed on a 10 minute hold. He said I was being sued for {$16000.00}. I was in shock knowing my consumer report I first thought it was fraud and Identity Theft. He then came back and said that he was wrong and it was the amount of {$6000.00} same incorrect balance as XXXX XXXX reported same debt which I had mentioned they sold to this group making threats in the middle of the afternoon while I am at work. The male was rude and did not provide me with his name nor allowed me to speak. He then hung up on me. Twice I called back 3 times. To file a complaint. He said let 's talk in court with the papers, I said this is a recorded line and I am asking his name and details about my account. He then said he wants to file a cease and desist. This was an alarm to me and this tactic is not fair. He also said this company had been looking for me but they could not reach me so they are now trying to serve me. He hung up and blocked my number as I asked for account information. I could not contact him after XXXX because my phone was blocked. My concerns are with Bayview Soul Solutions. I never heard of this company. I have my credit report and credova has the debt. I had contact with them several times. To dispute the balance .They removed the number of experian in XXXX I have my credit report with the claim. Please have this company delete this balance. Using scare tactics to harm innocent bystanders in a natural disaster. He does not have details on the balance. This is not accurate to the agreed amount. During covid 19 after devastation bills were not paid on time. They then manipulated the contract digitally. I had not been aware of any disclaimers in my contract. This was a simple loan for {$2400.00} I paid {$500.00} deposit. Then made a monthly payment of {$240.00}. If they will not provide the information in the original purchase history this contract is not valid. If I need my attorney will be present in any of my decisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: MOHELA
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have recently began repaying my loan of XXXX ... my interest rate is 6.8+.. every day, i am charged XXXX dollars in interst which exceeds my minimum payment. Every dollar i pay a month, sometimes twice, is paid to interest alone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
The credit bureaus are reporting a late payment on XX/XX/2022 which is inconsistent with the other credit bureaus.

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 2023-11-29
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have one name and one address the company continues to report incorrect addresses after providing proof of my current address. I want all other addresses and names removed

Company response to consumer: In progress
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute several accounts on my credit report that are the result of identity theft. I did not open or authorize these accounts, and I have reason to believe that they were opened fraudulently. I have attached copies of my ID, FTC report, and any other supporting documents that can aid in resolving this issue. The accounts in question are : XXXX XXXX XXXXXXXX. I have contacted the creditors and provided them with the necessary information to investigate the fraudulent activity. I have also filed a police report and have requested a copy for your records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.

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 2023-11-14
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened a new account and it was immediately locked. I tried calling a few times, after 45 mins on hold one time I was told there was a security issue with my phone ( not sure what this means ) and that I needed to go to a branch. I took an afternoon off work and went to a branch, waited for an hour and after showing several forms of ID was told my account was unlocked. I tried to access and it's still locked. I can't spend any more time on this and just want to close the account and get my initial deposit back.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-08-19
Company: EQUIFAX, INC.
State: AL
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 have not supplied proof under the doctrine of estoppel by silence engehard v. Gravens ( Vito ) 281 SW 715,719, I may presume that no hard proof of the XXXX debt, nor therefore any such debt, in fact exists for accounts : XXXX XXXX : XX/XX/XXXX XXXX XXXX  XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$4700.00} XXXX XXXX XXXX XXXX  XXXX XXXX : {$2600.00} XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: SLM CORPORATION
State: NH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I am a student. My loans have been in deferment while I am in school. However, Sallie Mae neglected to inform me that my in school deferment would run out last semester. Now my overdue balance has skyrocketed to a point I can not pay. I am requesting for Sallie Mae to bring my account current and work with me to reach an agreement where I can afford to survive. This should not be this difficult. 

I have spoken with them numerous times and each time they demand I make the overdue payment, which I tell them I can not afford. They are unprofessional and should be ashamed to work for such an organization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX via XXXXXXXX XXXX was authorized to only do a Hard pull on my credit report once on the date of XX/XX/2023 XXXXXXXX XXXXXXXX via XXXX XXXX did a second hard pull WITHOUT my permission on XX/XX/2023. This hard pull was unauthorized

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 2022-06-26
Company: DISCOVER BANK
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This complaint is on behalf of both me and my husband ( XXXX XXXX XXXX, who both own the accounts being discussed. We had a savings and two checking accounts with Discover Bank, which have been open since around XXXX. On XX/XX/XXXX, we received a notice via email that due to unusual activity, our accounts had been suspended and to call Discover immediately. I called Discover ( XX/XX/XXXX ) to inquire about the issue, and I was directed to the fraud department. Once connected, I was told that due to a business decision, our checking and savings accounts were being closed, and we would receive our balance in the form of a check via mail. I asked what the reason was, and I was told that they are not able to share that information. I asked if there was a way to appeal this decision, as these were our primary banking accounts that contain a large portion of our money. I shared that these accounts are where our pay checks are directly deposited and from which bills are paid. I was told there was no way to appeal this decision and that it was final. Later on that day ( XX/XX/XXXX ), XXXX called Discover again to ask for more information, and he was again told that there was no information that could be provided to us and that we would receive our remaining balance by check via mail. XXXX called Discover again on XX/XX/XXXX to ask for an update on the status of our check with the remaining balance, and he was told that they could not provide an update on either the reason for account closure or the status of our check. It has now been over 45 days since we were notified of the closure of our accounts, and we have still not received the remaining balance of our accounts. Totaling our two checking accounts and savings account, there should be around {$15000.00} that we are unable to access because Discover has not returned our money to us. This has caused a significant financial burden on our family. We are very frustrated with the lack of communication from Discover and with the slow return of our money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Experian Information Solutions Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been seeing this account on my credit report and I am not aware of where it came from. I called the company and the birthdate that they have on file is incorrect. The account number shows XXXX. The company refuses to remove the account from my credit report. 

According to 15 U.S. Code 1679c, inaccurate information should be removed from the credit report. The creditor has not been able to verify my correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account name XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Fraud Address : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, FL XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, address, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item  of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-12-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
This company has repeatedly up ton5 times in a row hung up on me after asking them to help add accounts and bills to my experian boost acocunt. The feature is no longer visible in the XXXX Experian mobile app. And obly available online on devices browser and can not be managed securely. The representatives repeatedly and up on comsumers when asked for assistance with the feature. They have nasty attitudes and simply hang up as they are in another conpany.

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 2023-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I filed three claims for fraud/unauthorized activity with Capital One 360 Checking. 

Claim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXXClaim # XXXX for account ending in XXXX. 

My name is XXXX XXXX, birthday XX/XX/, last four of social XXXX. 
The claims listed above filed by me on XXXX, were WRONGFULLY DENIED after only 8 days of investigation, I was not even issued provisional credit. The reasons Capital One gave for the determination is " Due to your assertion about the debit card possession and transaction information ''. This is completely inaccurate as I NEVER HAD POSSESSION OF THE DEBIT CARD, it was delivered XXXX which did not require a signature, left outsidemy door where my sister proceeded to pick up the card activate and use it for the transactions in the claims number listed above. 
Whomever I spoke with initially about the claim took down an inaccuratereport, which has caused me severe financial hardship. I have had this Capital One accountfor YEARS and nothing like this has even happened. 
Attached please find PROOF mine and of my Sisters ( the culprits ) address in the form of a XXXX bill in her name, which is where the card was sent to. I notified the representative of this on the phone, and let them know she no longer lives here and has a history of stealing from family to support her addiction. I contacted the XXXX police, told them my sister gave a VERBAL admission to taking the card and activating it by logging into my Capital One application and entering the CVV code- which makes it way too easy for someone commit fraud by the way, they should be required to call and verify. 
So to be clear : I NEVER had physical access of this card when it was mailed, how can an investigation into theft/fraud only take 8 days to finalize?? Did you review ATM camera footage? Apparently not, as I clearly am NOT responsible for any charges or transactions made in the claims numbers listed above. I have filed a report with the Consumer Finance Protection Bureau and I hope we can resolve this matter as I was truly a victim of theft here and this is extremely stressful. 
Please let me know if any further documentation is required or if you would like to speak to the Detective with XXXX, Illinois police department. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reached out to PHH Mortgage regarding the validity of the debt, but they did not provide any. As I am looking over my credit report, this account is incorrectly being reported as a late payment account with a balance due. Please provide proof of the account was 30 days late and update the balance to { {$0.00} } or delete the negative payment status on this account. PHH MORTGAGE SERVICES XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 # 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 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 2022-07-28
Company: EQUIFAX, INC.
State: CA
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:
Last month, I have submitted a dispute letter to the Credit Bureaus addressing the removal of the XXXX XXXX account, with account number XXXX. I even tried calling them to make a follow-up on the removal of the said account, and they have advised me to submit all documents to verify my identity and for them to acknowledge that the account was opened without my knowledge. I did follow their advise and submitted the documents needed regardless of enclosing all those documents in my previous letters. They confirmed that the account will be removed but upon checking my credit report today, the same account is still reporting with the same status. Having been doing a lot of follow-ups through letters and calls, I am still not getting the results that I want. Thus, I am seeking again for your assistance to have these 3 Credit Bureaus address my concern effectively. They have neglecting my request intentionally and this is not acceptable. I would love for them to have this account remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act : 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 Therefore, the following companies have have violated my rights. 

XXXX XXXX Original loan amount {$140.00} Account number XXXX XXXX XXXX Account info Account number XXXX XXXX  XXXX Account number XXXX XXXX XXXX Account number 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 non-monetary relief