BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am not sure how to go about requesting this type of change to my credit reports. Currently they all show that I have a credit history of 14 years when in fact it should be around 24. My credit score is listed as being adversely affected due to the shortened reporting and it leaves out payment in full of 2 mortgages, 2 car loans, and a student loan. Is there any way to have these items restored to my 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 2017-02-07
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Did not provide validation that is competent evidence bearing my signature. No evidence showing contractual obligation.

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 2015-07-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I DID NOT SIGN ANY LOAN DOCUMENT OR A PIECE OF PAPER FOR REPAYMENT IN RELATION TO ACCOUNT ENDING NUMBER : XXXXSINCE XX/XX/XXXX I PAID OUT MY HOME LOAN WITH INTEREST 4.875 % ALMOST XXXX TO THE DIFFERENT BANKS UNTIL IN XX/XX/XXXX I REQUESTED IN REFINANCING MY HIGH INTEREST RATES FROM HELOC UNDER {$180000.00} TO LOWER OR CUT DOWN AND WE DID NOT RECEIVE ANY NOTICE OR CLOSING STATEMENTS OVER 90 DAYS AND BANK CONSTRUCTED A BAIT AND SWITCH LOAN AS PREDATORY WITH UNCLEAN HANDS AND WE PAID ALMOST {$200000.00} INCLUDING WITH ALL KIND OF FEES AND BANK STATED THAT I STILL OWES THAT OVER {$300000.00} IN ADDITION WITH ILLEGAL ACCUMULATED-INTEREST OF USURIOUS PRACTICES OR UNFAIR DEBT ( IMPOSSIBLE PERFORMANCE ) IN OUR LIFETIME FROM YOUTH TO SENIORNOT ONLY STRIPPED OFF OUR MANY YEARS OF ACCUMULATED-EQUITY BUT ALSO INCREASED INTEREST RATES GOING UP 1 % IN VIOLATION TO TRUTH IN LENDING ACT ( TILA ) AND REGULATION Z WITHOUT OUR CONSENT- THAT IS A SLAVERY OF LOANI WROTE AT LEAST XXXX TO XXXX LETTERS TO COMPLAIN TO BANK FOR SO MANY YEARS BUT BANK ATTEMPTED TO COLLECT UNFAIR OF DEBT AND THREAT THAT LOAN IS IN FORECLOSURE WARNING THAT STATEMENTS MADE ME VERY HARASSMENT OR ABUSE AND I FILED COMPLAINTS TO MANY DEPARTMENTS OF GOVERNMENT SUCH AS CFPB AND DOJ AND STATE BAR OF CALIFORNIA AND XXXX XXXX BAR OF ASSOCIATION BUT BANK DID NOT CARE FROM MY COMPLAINTS AND I FOUND THAT BANK NEVER REPORTED MY HISTORICAL PAYMENTS TO XXXX MAJOR CREDIT BUREAU OVER 6 YEARS IN TRANSACTION IN VIOLATION TO FRCA

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-01
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen took over servicing my loan, from XXXX, and is not honoring the modification that was in place. I have my XXXX contract as well as My receipts with on time payments. I paid on my modification for 10 months. after ocwen took over servicing, they foreclosed, evicted, and caused me servere harm. I fought in court and managed to get my home back yet ocwen is failing to honor the existing modification. They have just offered me a different modification that is completely different, unfair, and significantly more money. They are threatening me with foreclosure unless I sign this agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Focus Receivables Management calls my home everyday of the week with a Recording stating they are trying to collect a debt. I do not owe a debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon, I am very concerned because i believe my information was stolen due to identity theft. Around XX/XX/2021, I pull my credit report through a website called free annual credit and notice a few accounts on my report due to fraud. I called the companies regarding this and they told me I need to report it and then reach out to the 3 credit bureau. Today XX/XX/XXXX, I went to the FTC website and submit an identity theft report. The credit bureaus seem like its impossible to get stuff fix with them.I am fully aware of the laws regarding fraudulent accounts on my credit profile. I have attached the FTC reports, A copy of my social security number and my driver 's license. I am asking that these accounts be removed from my credit report because it is affecting my credit.

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 2020-03-24
Company: Lending Club Corp
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello, I have a reoccurring monthly payment for my credit card consolidation loan. The monthly payments are {$300.00}. On XX/XX/XXXX, I called a spoke with customer service about making a payment larger than my monthly minimum. I asked for them to turn off my automatic payment so that I could make an online payment of {$1200.00}. In the recorded call I asked several times for the automatic payment to be turned off and I asked the customer service agent if my {$1200.00} would satisfy my XX/XX/XXXX payment requirement. He informed me that it would. On XX/XX/XXXX, {$300.00} was automatically withdrawn from my checking account. As a result, my checking account was overdrawn and I received a {$35.00} penalty. I called lending club. After waiting 45 minutes I spoke with a rep who said he could not help me. He transferred me to payment solutions. As my phone reach 2 hours and 1 minute of on-hold time, another customer service agent answered and informed me that this was not payment solutions. She noted my account and said that there was nothing they could do for me. She attempted to connect me to payment solutions and I was disconnected. I tried the entire process again and a third customer service agent informed me that my auto payment was turned off and that there was nothing else they could do. I did not authorize the XX/XX/XXXX payment and would like this returned as well as the overdraft fees I accumulate until this is corrected. the recored call on XX/XX/XXXX details all of the above stated. I attached a photo of my phone record for the 2+ hour phone call that was disconnected. Thank you for your help with this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have attempted to open bank accounts at XXXX different banks in the last year. All XXXX have denied me saying that I have records reported at ChexSystems. I have ordered by ChexSystems report and all areas for Reported Information, Inquiries Not Initiated by XXXX, XXXX, and History of Checks all say " No Information Found ''. I do n't understand why I 'm being denied bank accounts? Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: WELLS FARGO & COMPANY
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo mis-calculated my Projected Escrow Schedule for XXXX. It reported that there was a {$470.00} escrow shortfall, but there actually is no shortfall. Wells Fargo only included 11 months of escrow, not 12 months. My monthly escrow payment is {$540.00}, but Wells Fargo did not include an escrow payment for 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 2021-03-16
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I previously purchased tuition education for my son. Due to COVID 19 he is and was unable to utilized these services. I have contacted them MANY MANY MANY times in writing and via telephone that to cancel this, we are not going to be able to utilize this due to the pandemic and the new way they change.d They first gave me provisional credit, now reveresed it. I do not want this educational services. I want a refund to my credit card and be done with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In 2010 I was forced to move because of my job. The bank attempted to foreclose on my home without any late payments and would not allow me to rent my home to anyone. The deed of trust said I had to live in it. The mortgage counselors said I had to miss payments in order to gain protection from the law. I had to fight the bank and the final resolution was a deed in lieu with the understanding that they would correct my credit bureau. They did not correct it and it is currently reporting as a foreclosure. I have disputed this information repeatedly and spoken to the bank but I have no resolution to this day.

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 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Hello, XX/XX/2010 I got a discharge letter from XXXX, AZ for XXXX XXXX. 
Couple of weeks ago ( after 6 years later ), I got a phone call from XXXX phone number @ XXXX. 
Saying that I have unsatisfactory case from Bank of America credit card amount of {$10000.00} that I owed and asking for settle amount of 50 % otherwise they will get a judgement and sue me .... 
I thought this account might have missed during the bankruptcy. After checking my file from the attorney and credit report that I pulled after 3 month later after bankruptcy, it clearly said that this account was " Discharged through Bankruptcy Chapter XXXX '' So, I called back to them trying to avoid unnecessary future hassle and I informed them about the discharge. Now they are saying to me that " This particular account 's discharge was fraud, therefore The bank of America sold this account to us to recover their loss '' also said there was breech of contract that I violated with BOA for this account in order to get a bankruptcy and asking me XXXX % of settlement instead of XXXX %. They basically told me that there was fraud on my discharge. But I did everything legitimately through my attorney and had no problem at all for 6 years.Is this scam? 
I needs some advise on this please. They said today is last day for settle and it really bothers me

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 2015-08-19
Company: AUDIT SYSTEMS,INC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called XXXX XXXX XXXX has called my mobile number listed above XXXX times since XX/XX/XXXX. When they called today I called back once no one would say anything when I answered. The representative stated that this was an attempt to collect a debt etc. I asked her what who was the company that she was calling for and she stated XXXX XXXX for XXXX XXXX. She said that I owed a {$30.00} service fee for a returned check fee for a check that was presented in XX/XX/XXXX. She stated that the principle amount was paid but the service fee was n't paid by my bank when the check was resubmitted. I explained that I had already addressed this last year with XXXX directly and since I was XXXX and the check was paid once they resubmitted it to my bank, they would wave the service fee. I asked her for the contact information for her agency to send a letter that I am protected under the Fair Debt Collection Practices Act 15 U.S.C. section 1692 ( c ) so that they would quit contacting me, she refused. She stated that the Fair Debt Collection Practices Act did not apply in this case and refused to give me the address to the collection agency. She stated that I can address it once she sent me the bill for this collection and she hung up on me. She was very threatening, rude and unprofessional once I stated that I had addressed this last year and what my rights were under the above stated Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
My EDD maternity leave benefit account on the Bank of America pre paid card was hacked when I clicked on a scam text message by mistake. The amount of {$4700.00} was taken from my account on XX/XX/2022. I filed a claim on XXXX the morning I realized my money was gone. On XXXX EDD deposited {$2600.00} to the BoA card, I called the bank immediately to make that money transfer to my account but I was told I couldnt do anything since I needed a new card replacement and that it was already ordered. On XXXX the money was gone- AGAIN! Now total of more than {$7000.00} was lost and gone. I am getting no answers as how it happened twice. I am requesting a check to be sent to my mail address because someone has my information and will keep getting my money even with a new card replacement. I am desperate and my family and I rely on that money for mortgage, baby expenses and to pay bills. Please Help!

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 2015-04-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have placed an initial fraud alert with the credit bureaus since I have been the victim of identity theft. Experian will not give me a credit report for free as the victim of fraud. They either direct me to a page to pay for my report or to XXXX.com. Since I am the victim of fraud I am due a free report without using my free annual request.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: AMERICAN EXPRESS COMPANY
State: WY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I noticed a debit from my bank account for {$300.00} to " XXXX XXXX XXXX  XXXX  ''. I immediately called bluebird by american express to advise I did not make this charge or purchase, I was told to call back when the charge has processed as it was currently on hold status. 3 days later it had processed so I called back, they started a dispute on the charge & canceled my card & sent a replacement debit card & said it would take 7-10 days to resolve. I then emailed XXXX  about the charge & they responded to call their fraud dept. XX/XX/XXXXI called XXXX  fraud & was told the purchase was for XXXX XXXX tickets in XXXX XXXX on XX/XX/XXXX & that they couldn't refund the charge because the event had already taken place & the tickets were used. XX/XX/XXXX I called bluebird by American Express again to see where the investigation was at & why my funds were still locked. This is my checking account, my paychecks are direct deposited, all my funds are in this account and have been locked for 20 days. Bluebird advised my funds would be locked until I activated the replacement debit card, which I still hadn't received so they had to send a second one. My dispute was denied even though I could provide proof I was no where near XXXX XXXX  at the time of the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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:
My TransUnion credit bureau was pulled by  XXXX   XXXX  on  X/XX/2014   . I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.

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 2021-11-26
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: Was not notified of investigation status or results

Complaint:
I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately. It's been more than 30 days and I haven't received anything. I did my research on the laws and in Section XXXX ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for membership with Navy Federal Credit Union and I was approved for membership. I was a member before but I was dropped as a member after I filed for bankruptcy in XX/XX/2003. I received a pre-approval letter from NFCU and I applied online. I was denied and the denial was based on " that I caused NFCU a lost ''. My bankruptcy has been over 10 years and I am still being denied credit. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
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: Investigation took more than 30 days

Complaint:
I hope you can help me. I have been sending disputes to the Credit bureau and I havent received a reply from them. This is really effecting me in purchasing a home. I dont understand why they arent doing their job.They are playing with people lifes and that not right. Please help with issuse I am having.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
" consumer debts that did not arise from a contract or other agreement by the consumer to pay '' are no longer supposed to be derogatory marks on credit reports as of the new fair credit reporting laws. 

i joined XXXX last year and saw this mysterious mark on my credit that said XXXX '. i had loaned someone who lives in XXXX my car for a month to help them - but they had never told me my car got a ticket and i had moved so i assume i just never got it in the mail. i wrote the company and said i knew nothing about this fine and that i refused to agree that it was a true debt but that i would be willing to pay the full amount ( plus XXXX $ ) in full if they removed it from my credit report because i would rather not fight about it. they simply then sent me a bill in return - the first i had seen - and tried to up the amount of money they claim i owe without agreeing to remove the stain from my report so i did nothing. 

i just was sent an article recently claiming that credit companies now have to remove such bad marks as parking tickets since as in my case it was not a contract where i agreed to pay and did not.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Navient Solutions, LLC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated messages regarding XXXX XXXX debt. Ref # XXXX. 
This is not me and they deny it being an attempt to collect a debt however they answer phone as a debt recovery business.

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 2021-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I'm writing you acording my captal one bank card that was opened on XXXX XX/XX/2019. I was never notified about that account. Some one used my personal information for opening credit lines by my name. I filed police report number XXXX on XXXX could not contact cfpb because I did not know about its existence and that they can help me here.

Company response to consumer: Closed with explanation