BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There is an address and a XXXX XXXX on my Experian Credit Report that are not mine. XXXX XXXX XXXX, XXXX, XXXX XXXX is the address of my second wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX, She is remarried again, new last name unknown. 
XXXX XXXX XXXX, XXXX, XXXX XXXX, I believe to be the address of my first wife, XXXX XXXX XXXX. We have been divorced since XXXX of XXXX. 

The female I spoke with a Experian at XXXX at XXXX XXXX, XXXX XXXX XXXX, said the address was on a notice sent to them by a bill collector. The bill occurred during our divorce and was incurred by my second wife without my knowledge. My point to the Experian representative was that I have never lived at, vacationed at, leased, purchased property at nor used as an accommodation address this location. These facts being true, how can it be listed as XXXX my addresses? The situation of the XXXX. XXXX is exactly the same. Thank You, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have sent Experian dispute letters and Fraud Affidavit informing them that I was a victim of identity them. Someone use my information without my knowledge. I have disputed this claim many times with Experian. They have stated that XXXX XXXX XXXX has verified this information. Which is ironic because I ca n't get them to send me any information with regards to this account. This account is not mine so I will like for Experian to remove this information from 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 2016-03-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is listing a XXXX account as open. I am longer a XXXX customer. I switch to XXXX in XXXX 2015. XXXX was supposed to have paid the remainder of my bill as part of their Cut Your Bill in Half promo. This XXXX account should be closed and removed from my credit report. I am no longer a XXXX customer so why is this acct being listed as open on my credit report.

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 2017-01-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed the Bankruptcy that is showing on my report and the Bankruptcy still remains. I would like for Credit Reporting Agency to provide their method of verification on this. I have already spoken with the court that is listed on the Credit Report and they deny supplying information to the Credit Reporting Agency as it relates to Bankruptcy.

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 2015-04-07
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i have disputed this account XXXX time, and the answer for the credit bureau is the same this account do n't belong to me, there is not reason to be in my file. I told too many time with the credit bureau and the answer is there is nothing we can do. account # XXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
XXXX XXXX XXXX, XXXX inaccurately furnished information to collecting agencies regarding an alleged debt owned by them, when this was in fact misleading and inaccurate and known to be misleading and inaccurate. 

I requested a validation of the alleged debt XXXX XXXX XXXX claimed is owed but never received such validation. 

1. I have attempted to contact XXXX / Experian multiple times for them to rectify this mistake but none have done so. 

2. I believe that their conduct violated the RFDCPA and FDCPA in multiple ways, including but not limited to:3. I have contacted Experian via certified mail and they have done nothing at all and continue to report this collections item on my credit report. 




The credit report provided by experian have been and continue to be disseminated to various persons and credit grantors, both known and unknown. 

XXXX And Experian damaged, and continues to be damaged, in the following ways : a. Denial of credit by at least one lender ; b. Emotional distress and mental anguish associated with having incorrect derogatory personal information transmitted about Plaintiff to other people both known and unknown ; andc. Decreased credit score which may result in inability to obtain credit on future attempts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My mortgage account with XXXX was brought to " Current '', PAID IN FULL and closed. Three letters confirming payment in full have been issued by XXXX, which have been sent to EXPERIAN by registered mail and internet. Telephone requests to correct the credit files and indicate that the account has been PAID IN FULL have been made to Experian twice. 
Experian is reporting as follows concerning the XXXX account : REMARKS : Account information disputed by consumer. ClosedAs a result of the negative report ( which is NOT in compliance with the Fair Credit Reporting Act XXXX, my credit score is lower than it should be and I have been denied credit. 
One party that denied credit told me by telephone that the report from Experian could mean that I paid less than the full amount or nothing and that the creditor wrote off the balance. 
The people I have contacted at Experian recite a script, never answer my questions and do not show any interest in solving the issue. 
It is my contention that the Fair Credit Reporting Act requires Credit Bureaus to report " in a manner which is fair and equitable to the consumer '' so that there is no possibility of misinterpretation. The Act reads : '' It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit report is showing a {$580.00} debt from XXXX which I have never had an account with them. That debt went into delinquent account which substantially lowered my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has repeated charged me late fees, which they have admitted were a " mistake. '' After being confronted by this fact, they protested for nearly an hour before admitting fault, were unable to provide evidence that they would prevent it from happening again. Additionally, they only refunded my latest late fee, not the rest of the " mistaken '' late fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21
Company: Navient Solutions, LLC.
State: WV
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls are nonstop. Have repeatedly informed Navient that cosigner and I are both unemployed and recieving government assistance. Asked for assistance multiple times, always told that there is nothing they can do except for us to pay. Have asked that the calls lower in frequency, repeatedly am told they will stop and within the hour after request the calls resume. Was told they can call XXXX every hour, and that is exactly what they do. I do n't know what to do, I have nothing, cosigner has nothing, zero income coming in, they refuse to communicate via the mail instead. My school was found to have participated in fraud ( XXXX XXXX ) but nothing has been done to help the former students.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Navient Solutions, LLC.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Back in XXXX I sent a CEASE & DESIST LETTER to General Revenue Corporation for the said XXXX XXXX - Online debt. I also explained to them per the letter of separation provided from XXXX I have no debt owe to them or me. This is legal document stating that. In XXXX XXXX sent this same debt to another debt collector and when I fax that debt collections company the letter of separation they agreed that they cant do anything because of the letter of separation. Now once again in XXXX of XXXX I received another letter from GRC attempting to collect on a fraudulent debt. As stated above I sent a letter of CEASE & DESIST back in XXXX and on the phone dated XXXX XXXX XXXX I was told that my account will be placed in CEASE & DESIST but I received another on XXXX XXXX of XXXX after I already asked in XXXX for GRC to CEASE & DESIST communications with and again on XXXX XXXX of XXXX I was told that they would CEASE & DESIST communications with me. At the end of the day the debt is not mines and if I did owe any money to school why would n't they have taken out of my check if I owed them since XXXX and I was still employed there till XXXX of XXXX? If I owed them money AGAIN WHY DID'NT TAKE IT OUT OF THE SEVERANCE PACKAGE THAT I RECEIVED???? XXXX is harassing me know and this needs to stop. I have shown proof that XXXX can not collect on this. I show proof that the debt is bogus because it has no type of late fees and or collection cost. They know this is some XXXX and GRC should leave me alone. 


I have attached the dispute from XXXX and all documents along with a screen shot of the recorded phone between GRC and I. I have attached the letter I sent to XXXX XXXX stating the reason why this debt is not valid. IF you do n't stop and I mean never contact me again, I will seek legal representation and provide them with all the legal documents, files, statements from former XXXX employees and file harassment charges against GRC with GEORGIA ATTORNEY GENERAL OFFICE and US Government.

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 2015-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Other financial service
Sub-product: Foreign currency exchange
Issue: Customer service/Customer relations

Complaint:
I entered a branch of Bank of America at XXXX XXXX XXXXXXXX, NY XXXX, on XXXX XXXX, 2015 to cash a XXXX denominated check ( XXXX XXXX ) in my Bank of America checking account. I filled in forms and I was told it would take XXXX weeks. It is now almost XXXX months. I have tried to inquire twice through customer service and no one even understands what I am talking about. No one from Bank of America has followed up on the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: PRIMARY RESIDENTIAL MORTGAGE
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX2015, I refinanced my mortgage w/Primary Residential Mortgage, Branch Office in XXXX XXXX NJ. Final agreement was signed on XXXX/XXXX/2015. However, after complete review with my son, and discomfort with changes in agreed Closing Fees and the percentage rate, I exercised my " RIGHT TO CANCEL '' and mailed proper form ( XXXX/XXXX/15 @ XXXX ) to Primary Residential Mortgage XXXX. I also informed the Branch Manager, XXXX XXXX of this decision. His immediate response was to make changes ( as first negotiated ) and another agreement was drawn and signed by me on XX/XX/XXXX,2015. 
XXXX XXXX I received notice from XXXX that servicing was transferred from Primary Mortgage. I immediately called XXXX XXXX and questioned the difference ( higher ) in the monthly payment amount. I was told a " research '' would be conducted and I would be notified within 7_10 days. When I received the first " Monthly Mortgage Statement '' I realized myself why the monthly payment was higher -- - INTEREST RATE INFORMATION on this form indicated a 3.990 % rate. I immediately called PrimaryResidentialMortgage with my concern that they transferred the first agreement, cancelled by me. I also called XXXX with these same concerns and again was told a " research would be conducted and this would take 7-10 days. My initial payment to XXXX was sent ( XXXX/XXXX/2015 late ) and in the amount of my signed agreement of XXXX/XXXX/2015. I have continued to make this monthly amount accompanied with a note the explanation for the difference. I have had other contact with Primary Residential Mortgage ( all initiated by me ). The last contact with them, ( XXXX/XXXX/2015 XXXX XXXX, via phone-followed by email ) indicating she was sending me a Mod agreement needed to lower my interest rate. This " overnighted '' package was not received until I called again and questioned its status ( rec 'd XXXX/XXXX/2015 ). As of this writing, I have not signed this document. My question is, " how do you modify an agreement that no longer exists? '' I have absolutely no faith in either Primary Residential XXXX, although I believe Primary is at fault for selling an illegal document and not admitting to this error or taking any action to resolve the situation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX has an FHA loan and submitted a completed package at the end of XX/XX/2015 He works for XXXX and on his paychecks that were submitted, it is noted that he received BONUS income called XXXX, a retention bonus offered by XXXX. It is offered XXXX a year but is not something that any employee can BANK ON. It is listed on his year to date income and on his taxes that were submitted XXXX Two years worth ). We have asked and answered this question verbally XXXX TIMES and sent in a signed and dated letter on XXXX XXXX. Bank of America keeps stating that this information has been submitted to the underwriter the day before but everyday I call ... .they say the same thing. We have been lied to time and time again or sent to a manager who is out of the office until XXXX XXXX. It is amazing to me how Bank of America can lie and lie on the phone and say they do n't have information that has been provided to them over and over and over again on an FHA loan. I have contacted the FHA resource center and they too do not respond. What is a homeowner to do when no one keeps these loan servicers in check. When a month goes by without a loan servicer processing a loan modification, the file goes stale and then the homeowner has to provide all the same documents they have already provided on a timely basis. Then it takes another month for the bank to review them and then lo and behold, they are stale again. We had these problems with Bank of America back in XX/XX/XXXX and in XX/XX/XXXX they are just as bad. Now they have a new process where to speak to the Customer Relationship Manager, one has to make appointment. I had an appointment today for XXXX and no one called. I called BofA to find out why no one called and they said sometimes the relationship manager is not in, but I should wait until XXXX just in case? What? I have to wait around for a XXXX for an appointment for the possibility that someone might call me? How does that work? NO ONE CALLED. So you call and get false information. You provide timely information that is ignored. You schedule a return call that does n't happen. Yes, things have returned to the good old days at BofA of really bad loan servicing and this is an FHA loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened the Checking Account with BofA on XXXX/XXXX/XXXX with the {$100.00} bonus offer. The bonus offer was confirmed by the BofA banker at the time of account opening and I also received a letter after around 1.5 months of account opening that I have completed XXXX XXXX conditions of getting the bonus and only XXXX condition is left, which was also satisfied by XXXX XXXX XXXX as per the conditions. I approached the banker regarding my bonus after XX/XX/XXXX and the banker confirmed my fulfillment of all the conditions for receiving the bonus and he initiated my bonus credit process and told me that I will receive it in sometime. After that I have been regularly following up with the bank, they always say that they are investigating however I am not getting a satisfying response and no bonus thus so far. One day I was surprised to hear from the Branch Manager that the banker who opened my account did a mistake telling me that I was eligible for the bonus and refused to honor my bonus even though he agreed it was their banker 's fault and he also told me that I can go ahead and close my account if I want to do so, which was very dissatisfying and depressing. I read online they make such offers, and mostly try not to honor them. Supposedly, BofA is infamous for this. This seems fraudulent and deceptive. Now I am left with no option, hence reaching out to you expecting justice.

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 2015-07-26
Company: CITIBANK, N.A.
State: CT
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Citibank advertised a special promotion for their Citigold product. It required a minimum deposit. 

I already had a checking and a savings account with Citi. I added additional funds to the savings account to achieve the threshold amount. In exchange, I was to receive the added benefits of the Citigold product. 

Unbeknownst to me, Citi opened a new checking account tied to Citigold. Since I did n't know this account existed, no money was placed in this account. Since no money was placed in this account, it was below the threshold. Citi began charging fees. 

I was able to have this reversed and shut the account. However, I think it is important to communicate to the CFPB that Citibank continues to employ deceptive practices even after it has paid heavy fines and made changes to management. Very disappointing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
CBE debt collectors continue to call me daily, several times a day even though I have asked them not to call my cell phone. I have logged XXXX calls since XXXX, with today being XXXX. They need to stop calling and mail information if they think I have a debt to them, although, I have never heard of them until now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-26
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: Information belongs to someone else

Complaint:
I have been a victim of identity theft

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 2020-12-27
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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation