BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: NJ
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 value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX, XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2015-07-16
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
This was a payday loan from nearly 5 years ago where I lapsed in payment because I had to XXXX due to an unrelated reason. I am being threatened to be taken to court for the amount of {$1400.00} plus attorney and legal fees, the amount of which is more than the loan amount was originally. They are calling me and representing themselves as an attorney 's office by name of Cooper, Hoffman, Klein & Associates. Please let me know my legal rights and if they are a legitimate group as I can not find them listed. I can not afford to pay the amount they are asking. They call under ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am being bombarded with phone calls from Navient! AND, I 've never had a student loan in my life! They have mixed me up with another person with the same name and the same city. I have asked them many times to remove my number to no avail. Please help me get this straightened out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX reports the correct loan balance to CFBP, and to consumer, but inaccurately reports the balance to credit reporting agencies. XXXX XXXX in its documentation to CFBP accurately reported a mortgage balance of XXXX ( see page 2 of their response to my last complaint ) but reports a balance of {$86000.00} ( see attached screenshot ) to the credit reporting agencies for the month of XXXX. When I presented this to them they refused to correct it with credit reporting agency in their letter.

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 2021-01-05
Company: TRUIST FINANCIAL CORPORATION
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 paid my car note off successfully and XX/XX/XXXX will not remove this off of my credit report. It should be paid, closed and removed off of my account. I created a dispute and they advised it is to remain which doesnt make any sense. Can you please look into expediting and having them remove this off of the 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 2021-01-04
Company: MRS BPO, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At XXXXXXXX XXXX on XX/XX/XXXX I received a text message asking me to contact them regarding a debt collection. It was not a normal text message. It was sort of a picture message. It said contact MRS Assoc. Regarding a XXXX XXXX matter at XXXX XXXX XXXX XXXX. MRS is a debt collector. If XXXX is associated with XXXX XXXX then I am very confused. I dont have XXXX XXXX. I called the first time, prompted for customer service, waited forever, then a robo told me to call back during regular business hours. This was at XXXXXXXX XXXX ( Regular business hours ). So I called right back and prompted to make payment in hopes it would actually connect me with someone. When she got on the phone I explained I received this text about debt collection. She asked if anybody else regularly uses my phone. I said no. She then said something along the lines of, it appears to be a mistake and that she is sorry for the confusion and then she rambled some number off then hung up. Seeing as I didn't give ANY personal information other than my first name it seemed super sketchy she said what she did and just hung up. The way I received the message was weird. Everything about this interaction and situation was really weird and made me uneasy. If this is a legit company I would like an explanation of what is going on, and why I was contacted in the first place.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX at XXXX a new US Bank Gold Checking Account was opened online in my name. I did not open this account. I was notified by email from US Bank about this account being opened. The account was opened and {$25.00} was deposited from XXXX XXXX. It appeared that my profile was also changed. My email address was changed to use XXXX and my address was changed to my old address. I called US Bank at XXXX that same day. I was routed to the Fraud Liaison department. They put a Hard Hold on the checking account. Later in a subsequent call my online access was XXXX. I have had difficulty getting further information about what happened. I'm attributing that to the fact that it was a holiday weekend. Today, XX/XX/XXXX, I put a lock on my XXXX  account and freezes on my XXXX and XXXX  accounts. I spoke with Fraud Liaison again today. All steps to switch account numbers, etc. were started. The case number with the Fraud Department at US Bank is # 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 2015-11-27
Company: Focus Holding Company
State: IL
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:
My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian credit bureau is reporting my XXXX XXXX account in a derogatory status. This account is paid as agreed and never late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient is negatively reporting to the CRA 's that I missed payments in XXXX ; however, like now, my payments have always been in either forbearance or deferment due to me being in and out of school. Also, there is an account that is now currently reporting incorrectly that should have been transferred over to XXXX from XXXX, because of being a XXXX XXXX XXXX and qualifying for the loan forgiveness program.I was told that this was not done in error and the loan needed to be consolidated - this is not true as I have spoken to XXXX on XXXX/XXXX/XXXX, and because of the type of loan it should have been transferred over with the other ones in XXXX. I am demanding that this information is updated to show that there were never " late/missed '' payments in addition to transferring the last loan as they should have in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: NY
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 have been trying to repay my loan quickly with no help from Navient ( XXXX XXXX ) whatsoever. I keep asking how I can bring my interest rate down or pay towards my principle with no answers. Every time I call I either get redirected or told that there 's no easy way to do that or that they ca n't help me. I have been paying it for over six years, owing almost the exact same amount. I have never stoped paying and have been on top of paying extra but it just says they will apply it to my next payment. They also raised my interest rate without telling me after I signed up for automatic payments. They lowered the automatic payment amount when I had set it above the minimum. Now my interest is at 8.35 % and they said they can raise it whenever they want. I 'm not sure how much longer I can keep paying this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05
Company: Phillips & Cohen Associates, Ltd.
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Beginning at the end of XXXX, I have been trying to settle an old charge-off debt for a XXXX credit card that was charged off some time ago. Repeatedly, I have called to XXXX XXXX associates and XXXX XXXX, as well as XXXX bank. Each sends me to the other, stating that the account has been sent to the other or that it has not been entered to their office yet. I have called XXXX and XXXX repeatedly. I 'd really like to just settle this debt, but over the past month, it has proven nearly impossible. ( Note name on account is XXXX XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I am writing to correct an issue on my credit report, regarding a foreclosure which was finalized in XXXX of XXXX. I had a XXXX and XXXX mortgage on a property located in XXXX, XXXX XXXX that was foreclosed upon. The XXXX mortgage holder, XXXX XXXX, is reporting on my credit report as " settled '' in XXXX of XXXX, but the XXXX mortgage holder, Bank of America, is still reporting the XXXX mortgage as an " unsettled '' account until XXXX of XXXX. 

History : In XXXX of XXXX, I contacted the Bank of America 's " Charge Off '' Department, requesting that credit reporting error be corrected. After six weeks of telephone calls and emails, they told me on XXXX XXXX, XXXX there was nothing they could do. 

Then XX/XX/XXXX, I began receiving harassing calls from XXXX, XXXX, XXXX XXXX XXXX, a law firm in XXXX, XXXX, informing me that they would be taking me to court to collect a {$45000.00} XXXX mortgage judgement against me on behalf of Bank of America. I informed them that this specific XXXX mortgage was settled in a foreclosure and therefore was exempt from collection. They stated that Bank of America considered this XXXX mortgage as a collectable debt. 

Finally, after months of harassing calls, mails and letters, I offered and Bank of America agreed to accept, a {$5000.00} payment to close this matter and on XXXX XXXX, XXXX, I paid this amount. 

I am presently attempting to apply for a new home loan and I am unable to do so because Bank of America is reporting this account as last active in XXXX XXXX, instead of 2 years and 9 months ago ( XXXX of XXXX ) when it was foreclosed upon. Repeated calls to various departments at Bank of America have resulted in no response to my request. My wife and I would appreciate any assistance you can provide us.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, INC.
State: OK
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:
XXXX XXXX XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XXXX XXXX XXXX XXXX  Dispute XXXX XXXX  XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XXXX  XXXX SELF EMPLOYED RENEWAL BY XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OK XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Collection Bureau of America Ltd.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Collection Bureau of America who reported on my credit report i have an {$81.00} amount in collections. However when I called to speak to a representative at XXXX she advised me that the amount was {$100.00} and that {$26.00} was finance fees that had accrued on my account since 2013. I advised I had recently checked my credit report and it showed {$81.00}, so which is the correct balance. I paid the {$100.00} so I can get this account off my collection report, however I feel this is incorrect information. If the balance shows on my credit report as {$81.00} I should receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Was not notified of investigation status or results

Complaint:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity. 


I want these items removed from my credit report and I want to be mailed an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: CL Holdings LLC
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have not had XXXX in over 8-9 years, this collection agency has it listed on my credit file and it is over the statute of limitations and can not validate this. Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-05
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:
On XX/XX/20 bank of America noted a {$660.00} cash atm withdrawal at a branch in XXXX California. I live in XXXX  California ... sum 9 to 12 hours away from my home. 
I filed an appeal claim for fraud. The bank closed my account and prevented my access any of my funds. After 3 emails to management and reaching out to XXXX XXXX XXXX news I have still not even recieved a response email or a phone call

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 2021-01-05
Company: EQUIFAX, INC.
State: OH
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/2021 I called to report that several unauthorized inquiries were listed on my credit report. After 3 phone calls with representatives that were heavily resistant to direct me to the fraud department and a total 120 minutes in waiting to reach someone they failed to assist me and remove these inquired after committing to help remove them. This is the opposite of XXXX who helped me remove the inquiries in less than 4 hours. Its been 10 hours since my first XXXX  call and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Hunter Warfield has be unable to provide proper documentation validating this account. 
I am seeking immediate action and for them to remove this inaccurate and negative information permanently from my credit report. I have asked for the company to send me verification of my original lease and all I have received is a copy of a lease without signatures from XX/XX/XXXX-XX/XX/XXXX. I have sent Validation Letters on XX/XX/XXXX ; and XX/XX/XXXX for this company to provide proper validation and I have yet received a response. This company has constantly called my personal phone lines and this is prohibited in the State of Texas. This account is effecting negatively on all XXXX credit reporting agencies. I have already notified all XXXX credit bureaus regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody that I do not know. Please feel free to give me a call if you have any questions or concerns.

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 2017-01-20
Company: HW Holding, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company did not send me notification of a balance after i had completed all payment arrangements and had been cleared of my debt.They sent me a paid in full letter on XX/XX/2016 stating that i was paid off and then after reported my account to XXXX as a collection account in the amount of XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
TransUnion I have call a couple of times to dispute these Inquiries they would not work with me and also I send in letters never got a response back The date of the letter XX/XX/2020 I would like to get the Inquiries Remove off my credit report. 







XXXX XXXX  XXXX Inquiry from XX/XX/2020 Bank XXXX XXXX  Inquiry from XX/XX/2020 Credit Union XXXX  Inquiry from XX/XX/2020 XXXX XXXX XXXX Inquiry from XX/XX/2020 Misc. 

XXXX XXXX Inquiry from XX/XX/2020 Misc.

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