BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-08
Company: Stellar Recovery, Inc.
State: UT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my XXXX services back in XXXX and had services bundled internet, cellphone XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. My family and I decided to downsize and move. When we moved we removed TV and Cell services and only had internet. Months later I found I had a collections account through Stellar Recovery, Inc. for XXXX for XXXX XXXX I called XXXX and found that the service was for cell service, which was through XXXX. So I called XXXX and was told that they were showing all XXXX amounts were current and paid, however XXXX was showing otherwise. By this time it was to late and was already reporting negative on my credit. I recently disputed this with XXXX XXXX, and XXXX. XXXX had the accounts removed after investigating while XXXX showed it to be still reporting. I refiled an investigation with XXXX today. I do not owe this money ( XXXX $ ). This was a miscommunication issue between the XXXX companies and am not liable to pay this as I did pay in good faith. I would like this to be removed entirely for all XXXX bureaus on my credit and investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
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: Public record information inaccurate

Complaint:
i have disputed with TransUnion several times by mail and online i have even called TransUnion .They are reporting a public record chapter XXXX bankruprtcy on my report they said they verified through XXXX XXXX i have my XXXX XXXX report and its not on there at all so that means TransUnion is false reporting and i want it removed. I am outraged that your company continues to maintain a dismissed ( filed ) bankruptcy as confirmed on my credit report. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a Pacer System. The Pacer System is inaccurate and incomplete since the Pacer System does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the county courthouse and they also assured me they do not report full social security numbers to thirty parties or make social security numbers public record. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy about dismissals or filings. The law is very clear and states from date of adjudication or date of order of relief. Any case, whether it be civil or otherwise, once dismissed it no longer exists in the eyes of the law. This case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemed non-existent. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. Considering this does not require an investigation, I would appreciated an updated copy of my credit report showing no bankruptcy within two weeks from the date you receive this complaint.

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 2016-07-07
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a debt from XXXX XXXX, when our home was foreclosed on the equipment for XXXX was left in the home. We could n't go back and get it so XXXX charged us for it. We wrote XXXX and explained the circumstances and that they needed to contact the bank to get access to the equipment as we could n't so how could we be charged? This debt collection agency must have just recently purchased the account, has not sent me any letters but it appears on my credit report as a NEW account with a XXXX open date, when clearly this account will soon be at the 7 year mark and would be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I hereby formally request an appeal to XXXX XXXX, My current Mortgage lender, about the decision to not granted the removal of the PMI from my Loan Mortgage and reconsider approve the removal of the PMI from my Loan Mortgage based on the following factors : 1. The original loan amount of the Mortgage was {$390000.00} 2. The current balance of my loan as of today XXXX XX/XX/XXXX is {$380000.00} 3. The appraisal made to my property on XXXX XXXX by XXXX XXXX at my request was estimated at {$480000.00}. 
4. Putting the current value of my home in perspective with my current loan balance results in an increase of 21 % = {$98000.00} of equity build on my property, which makes my Mortgage loan qualify for the PMI removal currently imposed on my loan. The Federal Homeowners Protection Act gives Homeowners the right to remove PMI from your home loan in two ways. 
you can request the removal of PMI when you reach 80 percent home equity ( which is my exactly my case, or You can get automatic or final PMI termination at specific home equity milestones. 
5. Another two point in my favor is that my mortgage payments are made on time automatically, taking the payments from my checking account at the P.F.C.U. It is my intention to keep it that way during the life of the loan. 
6. Finally, another point of great importance that is worth highlighting is my job stability and service record of 32 years civil services as a federal employee working for the Department of the Defense and with an impeccable record of credit history of 32 years without reflecting any late payment. 

Pentagon Federal Credit Union is the financial institution that currently servicing my loan, I sent numerous email to them ( PMI Mortgage Department ), asking them via email need to speak with a Loan Manager and they never pass me to no ones. All the communication from XX/XX/XXXX until now has been via email ). They said that they speak with the consumer. 

In the hope that the information provided will help you reconsider your decision to now approve the removal of the PMI from my current Loan Mortgage. 
I remain with you very kindly, Mr. XXXX XXXX XXXX email : 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 2015-06-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am getting harrassing calls, multiple times a day, XXXX times a day. I even get voicemails, and they still call anyways.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Bank of America has received funds from the FDIC from which they were supposed to credit my account with and they have not nor have they returned the funds to the FDIC they are not honoring there zero liability policy and also not respecting state and federal laws in regulations

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have notified this company that this debt was due to fraudulent activity. I have sent in proof of documentation that my information was breached along with an Identity Theft Affidavit. I have also asked them to send me proof of a contractual obligation bearing my signature. I ask that they delete this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: TX
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:
$ XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, & Equifax have all three violated my rights! By law! They havent even issued any evidence that these hard inquiries or derogatory marks on my account ; balances, were made by me after many disputed and phone calls of me explaining that it wasnt! Im on the verge of getting an attorney! In accordance with the Fair Credit Reporting Act, theyve 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 also states that a consumer reporting agency can not furnish an account of mine without written instructions!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: Collection Bureau of America Ltd.
State: WA
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:
Once again I had stated in my previous dispute letter that I do not recall having this account. I've also asked your agency to provide the monthly payment, credit limit, terms, last payment, past due amount, date of first delinquency, and date closed as well as the payment history since they are missing from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have try to contact XXXX funding about an account that shows on my credit report they are unable to give me information about this account when I asked about it, I just get a run around saying I need to call another number and when I called that number no one ever answer. I have spoken with Target Card Services and they do not have anything in there computer that says I owe them any amount of money. So XXXX needs to stop reporting this incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: Receivables Management Partners, LLC
State: TX
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:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX TX XXXX RMP SERVICES LLC XXXX RMP SERVICES LLC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RMP SERVICES LLC XXXX RMP SERVICES LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have 2 accounts with Bank of America that were hacked into. {$980.00} was robbed from my checking account and {$2400.00} was robbed from my savings account. Both were fraudulent XXXX transfers to a XXXX XXXX. Bank of America had no business tranferring such large sums of money to such a dubious account. When I tried to resolve the problem with Bank of America typical hold times are 2 hours, and their initial response was to decline my claim. {$3400.00} is a huge amount of money for me as my only source of income is social security and a part-time job 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 monetary relief
Consumer complaint received 2022-04-16
Company: Experian Information Solutions Inc.
State: IL
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. 

1. XXXXXXXX XXXX account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX  account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: EQUIFAX, INC.
State: IL
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. 

1. XXXXXXXX XXXX  account XXXX balance {$1400.00} 2. XXXX XXXX XXXX account XXXX balance {$16000.00} 3. XXXX, XXXX account XXXX balance {$460.00} 4. XXXX XXXX  account XXXX balance {$480.00} 5. XXXX XXXX account XXXX balance {$1300.00} 6. XXXX XXXX account XXXX balance {$17000.00} 7. XXXX XXXX XXXX XXXX XXXX, IL XXXX 8. XXXX XXXX XXXX XXXX XXXX, XXXX 9. XXXX XXXX XXXX XXXX XXXX, IL XXXX 10. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-28
Company: CrossCheck, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I requested my annual free report to CrossCheck locate en XXXX, CA. This company answered me with a PERSONAL STATEMENT, which was written by XXXX XXXX, in which he stated that THERE WAS ANYTHING NEGATIVE IN MY REPORT. I responded to Mr. XXXX that I appreciated his PERSONAL OPINION, but I was requesting my report. Mr XXXX promised to send my report, but for my surprise, he sent THE SAME INFORMATION THAT HE HAD NOT FIND ANYTHING NEGATIVE IN MY REPORT. I Called again to CrossCheck, but now he hung up the phone or the secretary doesnt answer me the phone. I REQUEST MY REPORT. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-05
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Its been over 9 months since I have been going back and forth with Experian over several accounts reporting on my credit file that were established without my knowledge or consent. I have sent countless letters, disputes, affidavits, and most recently an identity theft reports supporting my claim. I since have received nothing from Experian but vague or shallow responses regarding my disputes. I was instructed from my local authorities to complete and submit a identity theft report which included accounts ; 1.XXXX  XXXX # XXXX, 2.XXXX XXXX  XXXX # XXXX , 3.XXXX XXXX XXXX # XXXX, 4 . XXXX XXXX # XXXX.There also several fraudulent inquires currently displaying on that I never requested or initiated that have been in dispute but still remain on my credit file. It has been well beyond 30 days for the alloted time frame given under the Fair Credit Reporting Act and Experian has clearly violated my rights as a consumer under sections 605b, 609, and 611. These fraudulent accounts are from the direct result of identity theft and should have been removed several months ago. It has come to the point of me seeking litigation action if this matter can not be resolved. I have several certified receipts and copies of each and every dispute I have ever sent to Experian and will provide if necessary.

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 2016-02-24
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I recorded a phone call that has just concluded and the woman from Navient notified me they would be putting a lien on a property that is not mine and will be siezed to collect on a student loan debt that was taken out over 5 years ago. They have been calling from the hours XXXX, even after numerous conversations I 've had with them after becoming a stay at home mother and full time student. At this time I have no income to pay this loan payment and now I 'm being threatened to be litigated? Absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: The CBE Group, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
the company (CBE Group) has called repeatedly outside of XXXX and XXXX. When i spoke with a representative they refused to provide me with either the callers name or the permanent physical address of the company.

Company response to consumer: Closed with explanation