BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: WA
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:
The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my XXXX report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX Acct. # XXXX, and XXXX XXXX Acct. # 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: WA
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:
The two derogatory accounts have both reported incorrect information about my accounts to the credit bureaus. The XXXXXXXX XXXX  Account has reported incorrect amounts, payment history and information on the account. The XXXX collection company has reported an incorrect amount as well as personal information. Through prior credit repair I was able to remove them off my credit report ( I have attached proof of removal below ) but they have recently shown back up only on my equifax report and I would like removed again and permanently from all three credit bureaus. 

In accordance with the Fair Credit Reporting act XXXX XXXX  Acct. # XXXX, and XXXX XXXX Acct. # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Bayside Capital Services, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Friday XX/XX/XXXX at about XXXX cmt, I was contacted by XXXX from Bayside Capitol Services LLC by a phone call on my brother 's cell phone. I spoke to the man and explained that I am XXXX XXXX. He kept talking and even speeded up. Then he did explain the debt and I am not disputing that I do owe it. So I asked if he would contact me through email due to my XXXX. He said that there were important documents that would be delivered to me at home. He asked when I would be home. I told him Monday XX/XX/XXXX after XXXX cmt Then I asked again for those to be emailed. Today. XX/XX/XXXX the same man called my brother 's cell again and left a message, then he called my work and spoke with the HR department. They delivered his phone number to me. I finally received an email with a .pdf file attached this .pdf stated that I had already agreed to a set payment amount and set dates of payments for the next 8/9 months until the amount of the debt is paid off. I did not agree to pay any amount nor have I signed off on any paperwork from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I am pleading to have my XXXX request fulfilled. I have been an over 3 decade long customer of WellsFargo and hold many assets. WellsFargo stated to me that they do not submit anything in XXXX. This is outrageous. I am XXXX  and dealt with a life event in which My payments slipped through the cracks. I satisfied my obligation as soon as possible. I visited the branch in XXXX Ca. To make them aware of my situation but yet they still reported me late. Please remove the lates on my wellsfargo account out of XXXXXXXX  please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: FIRST NATIONAL BANK OF OMAHA
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
First National Bank of Omaha did not get my permission to pull my credit then did so anyway.

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 2022-09-08
Company: Flagstar Bank, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was on the Covid forbearance with my mortgage servicer. They had assured me that at the end of the forbearance, I would be able to continue making my payments ; and my missed payments would be placed in the rear of the loan. 

My mortgage servicer, Flagstar Bank, is not allowing me this option as they have declined the loss mitigation application. I was never informed that this would be something I would have to qualify for in the first place. The forbearance repayment process that was told me is now not applicable to me according the the servicer. They want my property because I have equity ; and will not work with me on repayment.

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 2022-09-09
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After nearly two years of having a us bank secured credit card I was able to establish a consumer credit rating score that was scaled good. 
I signed up with US Bank by opening a secured savings account and deposited {$300.00} dollars in XXXX of XXXX. I made all my monthly payment on time. 
On XX/XX/XXXX at the local branch with the manager, I completed the form provided, requesting to have the secured savings account closed. My balance owed at the time of closing was {$290.00} and US BANK was to apply the {$300.00} secured savings deposit to the secured credit card balance, and mail a cashier check to the address on file in the amount remaining XXXX - XXXX XXXX balance owed to me I never received. Instead US BANK on XXXX XXXX failed in their duties of trust and applied a late fee and interest on my closed account. The issue is I have sustained negative impact on my credit report, causing damage to me and XXXX business in excess of {$100000.00} dollars. It is a depressing world with the corporate banks and the inconvenience their games. 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 non-monetary relief
Consumer complaint received 2020-04-22
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whomever This May Concern : I have sent letters, verbally contacted them, and they still refuse to remove these inquiries off of my credit report. I did not authorize the following inquiries at all : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX ( 2 times ). 

Other inquiries that are on there are valid and I do hold accounts with the other inquiries that are not named above. 

I have repeatedly asked for the above to be removed and they haven't.

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 2022-09-08
Company: Shellpoint Partners, LLC
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: Old information reappears or never goes away

Complaint:
hi my name is XXXX XXXX i was on a joint account with XXXX XXXX and after selling my home it was on my credit report so i called and spke to XXXX  asking why was it on there they told me it have to be on there until 2025 so i called my mortgage company asking why was it on my credit report they told me it shouldnt be on my credit report so after i spoke to them it still wasnt moved from my credit report so i am now reaching out to get house trying to purchase another home for me and my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent XXXX dispute letters to Dispute a payment status that is being reported inaccurately on XXXX XXXX. Payment statuses are to be reported as the CURRENT payment status. I have not received anything ion over 60 days even stating there has been an investigation started. This account was current and paid in full and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a hard inquiry from XX/XX/2020. I have no idea where it came from and would like it removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Account information incorrect

Complaint:
Bank of America is reporting incorrect information to my credit report. 
- Last Reported dates are different on report -Comments are not complete -Date last active are different -Two year payment history are incomplete

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 2022-02-17
Company: EQUIFAX, INC.
State: DE
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX - XXXX - {$7900.00} DEPT OF EDUCATIONXXXX - Date opened XX/XX/XXXX DEPT OF EDXXXX - Date opened XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX Balance - Date opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TD BANK US HOLDING COMPANY
State: CA
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:
Thank u cfpb for ur excellent work without cfpb financial institution will XXXX off the consumers and sadly and disgustingly this administration is doing only that which is allowing the financial industry to go back to cheating and XXXX off government and tax payers for their benefit please dont allow XXXX to distroy what president obama and XXXX XXXX did. 


Now my issues in a month of XXXX and XXXX I made purchase and return and some extra return so those extra returns should offset the remaining balance I have all of my recept and it doesnt make any sense why I still have a balance of {$26.00} I tryed the customer service but as usual the way they calculate is only to their benefit and i have to pay this so when I disagree they keep repeat what is in the statement so the represanative wasnt willing to listen to me kept cutting me off and just repeat the statements so I wasnt getting anything from her I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CCS Financial Services, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a collections notice for a service called XXXX XXXX which is a mobile phone service operated by XXXX. I have never been an XXXX XXXX customer but I have been a subscriber of other services. 

The debt collector is Credit Collection Services, XXXX XXXX XXXX, XXXX, MA, XXXX and can be reached at XXXX XXXX XXXX The debt is attributed to the address XXXX XXXX XXXX XXXX, XXXX, WA, XXXX. The XXXX  account number is XXXX and the debt collector ID number is XXXX I asked Credit Collection Services for a proof of debt and they sent me a phone bill that had an obviously incorrect phone number of XXXX. I brought this to their attention and they still refuse to discharge the debt. The debt is causing me harm since it is a negative mark on my credit score. I have also contacted XXXX about this matter and after a month they say it is still under investigation. They initially told me I would receive a response in 30 days but after that deadline past they told me it was 30 business days. 

I have never signed up for XXXX XXXXXXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: EQUIFAX, 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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit report and would like to formally file a dispute. This information is unauthorized and was not approved to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my report and I was NOT alerted to this information being authorized on my reports and I am insisting that they be DELETED from my credit report as soon as possible. These items are fraudulent and are impacting my GOOD relationship with creditors. I have reported the theft of my ID to the FEDERAL TRADE COMMISSION, please review the enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit that i have attached in regard to this incident. Please investigate these matters and see that the disputed items are removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: Experian Information Solutions Inc.
State: PA
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 writing this to delete the following information in my personal file. 
The items I need deleted are included in the report. Im a victim of identity theft and did not make the charge. I ask that the following items be deleted to correct my credit record. I reported the theft of my identity to the federal trade commission and I also have copies of the federal trade commissions identity theft affidavit. Please delete the items as soon as possible. Thank you so much for hearing out my 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 2022-09-08
Company: The CMI Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I checked my credit score today and it went down due to a Collections request for an account that can't be mine. The Collections request was from " Credit Management LP '' on behalf of " XXXX XXXX XXXX '' for the amount of {$150.00}. I haven't had a XXXX account in over two years. Additionally I was able to log in to my old account and have a {$0.00} balance. Therefore, someone is using my personal information for an account and not paying their bill. I do not have any outstanding balances with XXXX. I can NOT get a real person on their customer service line to inquire about this because of their automation system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On numerous occasions in the past 7 months I have sent copies of police report and identity theft affidavit regarding XXXX and all attempts have been ignored.

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 2017-06-20
Company: EQUIFAX, INC.
State: FL
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:
In  XXXX  or   XXXX  , I contested an item on my credit report that was reported as collection by  XXXX   XXXX   XXXX   XXXX . It is a  XXXX  bill that I have no legal responsibility for and know nothing about. I did go there for cleaning and checkup for the brief period of time I lived there in a previous year. My bill was always paid in full by my insurance company. The reply that I got from Equifax, was : '' This account is no longer being reported ''. This is not an acceptable response. I do not owe this amount nor do I have any legal responsibility to pay this bill. This account should not be on my credit report and should be removed or show me proof that it is in my name and that I signed anything for responsibility of another persons account. Just saying : " It 's yours '' tells me that someone did not do their job in investigating the validity of the debt. I am so tired of fighting at every turn, even debts that were discharged from bankruptcy being reported and updated as collections in the past.     This has been contested 3 times in the past year and the last time did not even get a response and the 30 days is up. I ca n't even log into Equifax online or by phone. They have told me my information, that I have been using for 40 years, is incorrect and access is not available to me. I tried to have  XXXX  removed, faxed the requested proof that I am not a  XXXX  and have never been a  XXXX  and they send me a letter telling me I need to submit the same documents that I had previously sent and faxed.     I am requesting that this collection be removed from my report. A reply of it is no longer being reported is not proof of debt liability, and my last request was not answered within the 30 days.     Thank you for your assistance with this matter.      XXXX   XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act XXXX accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On or around XX/XX/2022, I called the fraud department of TransUnion, XXXX and XXXX to report that I have approximately 17 or more unauthorized inquires reporting to my credit profile. Neither company did anything to fix this problem and the inquiries are still reporting and has yet to be removed.

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 2022-02-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The school  that I attended has been out of business for several years. I owe so many student loans and the school promised I would get a job and they are credible but misrepresented their school on many instances. I am unable to further my education or transfer credits for this school nobody sees them as credible.

Company response to consumer: Closed with explanation