BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-18
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had paid to have my insurance payments in escrow by Flagstar Bank. Flagstart failed to renew my insurance and did not notify me until XX/XX/XXXX. As soon as I received this notice I purchased insurance. Now Flagstar is claiming that I did not have insurance from XX/XX/2020 to XX/XX/2020 and charging me a premium to obtain insurance. I did have insurance till XX/XX/2020 so they are not giving me credit for this time. The reason that I did not have insurance from XX/XX/202 to XX/XX/2020 is due to they fact that Flagstar did not renew my insurance even though they are supposed to since I am making payments to escrow. I have contacted my previous and current insurer and neither will write a policy for a past period, so Flagstar is asking for something that is not even possible and it their fault to begin with.

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 2022-10-02
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I wrote letters to Equifax, XXXX, and XXXX on XX/XX/22 and XX/XX/22 requesting proof in the form of a statement or detailed payment history proving these accounts were paid late. Per the FCRA all reported accounts must be accurate and verifiable. When requested, verification must be provided within 30 days of receiving the letter. Right now, the bureaus are in violation of the FCRA and are subject to legal action. The attached accounts are the accounts in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had {$10.00} in my savings and {$38.00} in my checjing yesterday XXXX/XXXX/15 my purchases were processed and that left me with a XXXX however I deposited {$20.00} to have {$8.00} left im my account what Bank of America did they took out my XXXX from my savings and charged me a {$10.00} fee for transferring my own funds leaving me - {$16.00} and {$0.00} on my savings then a payment posted the same day for {$9.00} which the seller cancelled as well I have an email to prove it ... And the bank charged a {$35.00} return fee for the {$9.00} check leaving more negative, and this morning the barely sent me an email letting me Know that they took the liberty to withdraw {$35.00} instead of sending me the email alert before hand on XXXX/XXXX/15 yesterday I was the XXXX noticed this and deposited {$20.00} so they wouldnt process anything since all the transactions were made the same day in XXXX XXXX, 2015. I called to complain why and the only returned the ten dollars and it took them XXXXminutes to " try an figure out why those charges were posted '' and said they could n't return my {$35.00} leaving me with XXXX and {$0.00} in my savings as a XXXX I work hard for that money I work 7 days a week XXXX jobs and I trusted my bank to let me know before hand about any warnings in my account instead they made me negative and bounced a check to a seller who cancelled the transaction I tried to tall to a manager in service center on the phone he hung up on me instead of resolving this I am really upset I thought thats why they have employees working to help us understand and fix their mistakes, I know {$35.00} is not much for the corporation bank etc.. But to me is XXXX of work I have to put in to earn that money ... I would n't complain here if I knew I was " wrong '' acvording to them and leaving me XXXXMinutes in hold and XXXX to try and figure it out and an hour of my time si they can just hang up on me without the money that bwlongs to me that I earn and worked for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX University and paid off XXXX of my Navient Loans approximately 4-5 months ago, and still have not received a " Paid in Full Letter '' as promised by them, several times. Therefore, I am sure that this loan is still negatively impacted my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My wife paid off debts to XXXX and Victoria 's Secret in XXXX of 2013. In spite of the payment of this debt, various debt collectors have continued to call and collect the same debts over the past several years. The most recent attempt was from phone number XXXX. The person on the phone stated they were going to press charges unless my wife paid. 

This is harrassment, and unless my wife 's information can be expunged from any and all records, I feel like these calls will never stop. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: Experian Information Solutions Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Around XXXX XXXX, XX/XX/XXXX, I tried to apply for a credit card to XXXX XXXX  but I got denied and they sent me a letter stating that the reason for the denial is I have delinquent payments.I then checked online for my Credit report history and found out that someone opened a fraudulent accounts under my name.I tried to dispute it yesterday XXXX XXXX XXXX XXXX I called Experian to ask them about the problem and the costumer service told me to report the problem to you guys.the amount of the outstanding balance from the fraudulent accounts are more or less {$40000.00} between the 2 accounts.

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 2019-12-26
Company: Instarem PTE Limited
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Confusing or missing disclosures

Complaint:
This is my 4th complaint! .. company close complaint each time without answering to the point.. looks like clear delay n discourage tactics.. Either they do not understand the complaint or simply doesnt want to answer.. 

My personal data is held hostage by company and company is not disclosing specific points as to what regulation mandates to keep personal data held up when there was no monetary business as the transaction was just a sign up to digital service..

I seek below very very specific info from the company this time. I do not need timeline of past interactions directly with company 1. Copy of terms n conditions where I consented 2. Any federal guidelines very specifically asking to retain personal records when there was no monetary transaction?

3. What is the guarantee that the personal data is not cross sold?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: AR
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:
On XX/XX/2022 I mailed XXXX, XXXX andd equifax letters disputing inaccurate accounts on my credit reports. The companies have failed to respond to me within or after the 30 days from the first dispute letter was sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Holloway Credit Solutions
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:
Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. This is the 2nd time that I have reported these inaccurate accounts with the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I contacted Citi and requested to speak with someone in the Retention division of the company. I wanted to address my concerns regarding a dispute that I filed regarding a purchase with XXXX XXXX for concert tickets. The company sided with the company. I purchased concert tickets and the concert was cancelled. To date, I have not received a refund and Citi refuses to properly dispute the matter. The representative acted as if he did not want to help me and basically was steering me to close my account. I told him a few choice words and hung up the phone. I went to use my card later that evening and I was unable to use my card. I checked my account on my XXXX  and it said it had been closed. I'm extremely upset because I did not give any type of consent or instruction to close 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 2022-11-10
Company: Coast to Coast Financial Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice on a forgotten trash removal bill in the amount of XXXX in XX/XX/XXXX. I paid this bill by money order sent XX/XX/XXXX. I continued to receive collection notices so called to check receipt of payment. Receipt of payment was confirmed but I am continuing to receive collection notices with threats of reporting to credit bureaus. I have the money order receipt and have checked the status which states it has been cashed by the recipient. They are now adding interest on this debt. They have been informed that I am in a XXXX XXXX XXXX and this activity is illegal but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
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:
This is my 10th Complaint that I am a victim of identity theft and I COMPLAINT to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These items are unknown to me. Also, the information provided on some items are DELETED from other bureaus and I have doubts about their accuracy and the reported payment history on some items is a mystery to me. Per required by FCRA 605B ( c ) ( 1 ) ( C ) CREDIT BUREAUS are require to remove any items which was opened without my knowledge, consent or authority within 4 business days : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX  XXXX Balance ; XXXX XXXX XXXX XXXX XXXX {$3600.00} ; XXXX  XXXX XXXX Balance {$710.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$10000.00} ; XXXX XXXX  XXXX Balance {$5800.00} ; XXXX XXXX XXXX XXXX Balance {$95.00} ; XXXX XXXX Balance {$640.00} ; XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX  XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$310.00} ; XXXX XXXX XXXX  XXXX Balance {$640.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : 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 non-monetary relief
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: LA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$880.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX 87083**Balance : {$170.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) 3388****Balance : {$170.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2019-12-26
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This debt is not mine and this company continues to call me and harass me. The following calls from XXXX have come in at the following dates and times : XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  XX/XX/19 XXXX XXXX  The call is for XXXX XXXX and they are from Commenity Bank. They have left several voicemails. I have also answered and told them that they have a wrong number. Please advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-25
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX Balance XXXX {$3100.00} ; XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Credit Bureaus have failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: Experian Information Solutions Inc.
State: NV
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. The account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate the account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX XXXX XXXX : {$0.00}

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 2020-06-18
Company: EQUIFAX, INC.
State: MO
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:
This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

CHAPTERXXXXBANKRUPTCYDISCHARGED XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 XXXX XXXX XXXX pulled my credit without my authorization even though I have a fraud alert which is to prevent unauthorized access to my credit 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 2022-01-21
Company: AVANTE
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never agreed paying this company I never applied credit with them this goes against the FDCPA I am requesting for validation under 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
My pleasure. My name is XXXX XXXX yesterday. I 'm. See into my credit report. My name is error. In my name to. my social is XXXX in my is XXXX incorrect.. Please help me XXXX blessing

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 2022-01-21
Company: AES/PHEAA
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: Account information incorrect

Complaint:
AES/PHEEA is reporting I owe on students loans that are XXXX  years old. I have called them on several occasions and they refuse to remove the information. 

I have reported the company to Federal Trade Commission. 

It is against the Fair Credit Reporting Agency to report information that is XXXX years old. 

They are reporting the information in the amount of XXXX XXXX and XXXX. These loans were consolidated in 2006.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Capital One Venture Card. On XX/XX/2020 I was charged a annual fee of {$95.00}. After I discovered the annual fee, I called customer service on XX/XX/2020 to cancelled the card. At the time the customer representative convinced me to downgrade to another Venture Card so that I won't get charge on the fees and told me that fee would have been waived. 

When I check my statement in XX/XX/2020 I still see I carry the annual fee. On top of that I am being charged interest of {$2.00} per month since then for the annual fee, totaling {$10.00}. 

I called them today XX/XX/2020. I requested for supervisor who is Senior Account superior. Basically she told me that me that that don't waive annual fees. Had I known that I would have just close the account all together.

Company response to consumer: Closed with monetary relief