BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-07
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank account opened with TD Bank in XX/XX/2021 Bank account opened with XXXX XXXX in XX/XX/2021 2021

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
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:
After reviewing my credit report I have noticed some unauthorized inquiries that have been placed on my file. I communicated the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions identity Theft Affidavit. I am looking to get an home for my son and I. Im not sure who would use my identity to try to open accounts I would appreciate you guys so much with the help of removing these unauthorized inquiries off my credit report. I am excited for the milestone and I would love to be settled within the upcoming months in my new home.

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 2022-08-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
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:
I had requested the company to do an investigation on an account wrongfully reported on my file and requested a copy of the investigation, they only sent me a letter stating the account was validated but provided no proof of how it was validated. 
I sent another request to provide proof of the investigation and to remove the account from my file, again they sent me a letter stating the account was validated and updated my report stating I refused their validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to delete the following information in my file. The items i need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity of my identity to the federal trade commissions identity theft affidavit. Please delete the items as soon as possible.

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 2017-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
Between  XXXX   XXXX  and  XXXX , there were  XXXX  fraudulent charges on my card account under the merchant name "  XXXX    XXXX   XXXX  . '' I disputed the charges online, locked my card, and had additional questions that were outstanding  ( w ould my interest be calculated excluding the fraudulent charges? Since my billing date fell before their estimate of when they could remove the charges, would the credit bureaus be told the incorrect total balance on my card? ) I calle d Capital One 's   fraud department, identified myself and the issue, and the person on the phone said " Ok -- we 'll lock your account ... Looks like those charges are already frozen? '' She had no idea what I was asking, so I asked for a supervisor. I got on the phone with a supervisor ( Sounded like "  XXXX  ' ' )  who then told me that I should just make sure to pay for the specific charges that I actually made, and just not pay the fraudulent ones. I explained that a credit balance is a number -- a consumer does n't get to choose where they pay. Then I asked for her supervisor. I got on the phone with ANOTHER supervisor, who I asked my questions of, who then said that " Obviously, you would need to call the fraud department to ask those questions. '' I explained that in fact, I had called them. Then she said " Oh -- they transferred you here? We have this problem all the time. '' At this point I had been on the phone asking for help fo r 45 minutes and missed a meeting and had zero a nswers and had been told that OBVIOUSLY I would need to do what I already did to get help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Continental Finance Company, LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 120 days past due as of  XXXX   XXXX  90 days past due as of  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2018-11-30
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
we had a tree fall on a shed on our property, a shed we only use to store a couple lawnmowers. we recevied a payment from our insurance company endorsed it and sent it to the Flagstar mortgage company loss department. along with the insurance adjustors report and all other needed documents. these were sent in XX/XX/XXXX. every time we call they say they are reviewing the documents. we do not wish to re build the shed and have sent a letter explaining this. they now hold the money in escrow and we can not get an answer from them if they will approve sending the monies back to us. the appraisla of the property show that the value of the shed is minimal to the overall property value.

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 2022-01-11
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX CREDIT XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Strategic Alliances, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called from an  XXXX  GA number but company is physically located in  XXXX   XXXX  Ga. It is my belief that this company is utilizing phone spoofing software to alter the area code of the number calling to hide their true identity.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Two accounts were opened in XXXX in my name in XXXX. I have never been to XXXX. The accounts are reporting as a collection/Charge Off on my credit report. 

Name of account Capital One Bank XXXX XXXX ( 2 accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I logged onto my Bestbuy account to make a payment and noticed a deferred payment for XXXX dollars for Life Insurance. So I called CitiBank who is the creditor for my best buy credit card and they said that I have been paying .XXXX cents for every {$100.00} dollars on my account since 2007. I had no idea about this and then I asked them how much have they taken from me in this time frame and the customer service rep said XXXX Dollars. So I told them to cancel my protection plan, in which I did not sign up for anyways and that I want my full refund of whatever they took. No resolution has been made as of yet and it 's been a month later.

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 2022-01-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
T-mobile says I owe them XXXX. As of XXXX XXXX. How can they say that. In oder for me to keep the Device you must pay both Device and bill. I did that in early XX/XX/2021. Bye the middle of XXXX i was with new XXXX and still Im. I asked XXXX why are you sending me the bill, the ask me for my personal information I said no you should know all my information your the ones sending me mail.you have all that. Twice they said they couldnt find out why this was happening. Now its in Collections Agency. One told me I would have to go in person with my I.D . Are they crazy. I have a XXXX. Plus location place people are very rude .Customers like me walking in for help we get sent back to calling customer service. This is ridiculous Ive had it with these people treating you like garbage. They want XXXX dollars from me this is false accusations. When they have billions and trillions of dollars .Thank you.

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 2016-10-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX did a hard pull on my credit report without my authorization.

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: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I just learned about Navient being sued for cheating borrowers and having read the complaints, I fit the description. Originally, I just thought this was just how student loans were so I thought it was the norm. Navient has done the following that was either misleading, inaccurate, or just plain ignoring me : 1 ) I sent several emails through their self-service contact form, but never ever received a response back, phone support denied that any were ever sent, but you have to be logged in to submit the contact form. Unfortunately, I have no proof that I submitted the contact forms since they do n't send you email confirmation or show a form # when submitted. Just that it 's submitted. They have no listed contact emails and their only emails are no reply emails. 
2 ) Phone support lied and gave me inaccurate information from their website in their FAQ section. I graduated in XXXX of XXXX, so my grace should 've ended in XXXX depending on the loan, which they were based on their website. But when the time passed, I saw online that it was pushed to XXXX XXXX without any notice or indication that there was a change. I asked about it and they did not give me answer other than the grace period is what it is and was not changed as it is based off your graduation date. Grace is clearly 6 months, so how is it possible that grace period was pushed another 6 months when my graduation date is easily fact checkable and verifiable. They obviously wanted to pull the wool over my eyes so I would keep paying the minimum so they could accrue more interest. 
3 ) Due to the high loan interest and recently having a daughter, the impending monthly payment was going to be too much though this was before I found out that grace period was pushed, but I called to see if I could look into rate reduction. They said I can only claim forbearance if myself and co-signer call for bankruptcy which sounded ridiculous since their website says there are options to help you, not make things worse. The next day, I get an email that my request for a new repayment plan was denied, but I never requested a new repayment plan, I just wanted to inquire. I did not consent to applying to anything new. 
I am so glad someone is looking into them because for years I thought this was just the norm and to XXXX it up, but I 'm glad I 'm not the only one being wronged by this company and that action can be taken. To reiterate, I have been misled, misinformed, lied to, and ignored by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XX/XX/XXXX - re quested report from Transunion after viewing score which was  XXXX  points lower than other scores.   * requested to correct name and aka- * removed an address that was not mine * disputed closed account which was sold to another company- school loan Result- They said they corrected but after receiving report  XXXX  it was the same *corrected address-removed * dispute not resolved  XXXX  - asked to make the necessary changes & disputes because this was harming my credit   XX/XX/XXXX -  changes still not completed and the disputes are on the report as * consumer disputes this item- this is harmful in itself. I thought it is to be resolved or removed 45 days. Called and complained still no change.     It is now   XXXX   looking at my report and the very same issues are there. I called  XXXX   XXXX ,   XXXX   to dispute and CS stated all the credit reporting agencies has their rules, Transunion rules are set and we can not change the scores even if we have the same files as other companies.     I have tried over 4 years to get this corrected and compliant which is fair to me and just.

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 2017-02-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
We paid our loan via electronic payment through their website. Navient said that they received on their website, I called them to make sure they received it and they said yes. they then sent me a bill saying i missed my payment. the next month they charged me double. I made the payment and the same thing happened. they then said that they would fix it by just moving the payments to the end and i agreed to this, but in so doing they increased my payment. I think this was very unfair and filed the complaint. I then started to make the payments from my bank to them not through their website, I filed a complaint through the government student loan department. This caused alot of stress to our bank account and our family, though no fault of our own. I think their online bill pay service was intentionally faulty so they could charge the additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Enhanced Recovery Company-XXXX, FLThey put a collection on my credit report, never notified me and gave the opportunity to dispute and ask for validation. This lowered my credit score XXXX points. I found this out when I applied for an auto loan.

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 2022-01-14
Company: EQUIFAX, INC.
State: HI
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:
SADLY, ONCE AGAIN EQUIFAX DID NOT FULFILL THEIR FCRA 611, 15 U.S.C.1681i, REQUIREMENTS FOR REINSERTION OF PREVIOUSLY DELETED MATERIAL, SEE BELOW EXPLANATION : XXXX XXXX  XXXX # XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX XXXX BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 

XXXX XXXX XXXX # xxxxxxxx XXXX : THIS ACCOUNT WAS REMOVED ON XX/XX/2021, by EQUIFAX, BUT THEN REINSERTED WITHOUT GIVING ME A 5 DAY NOTIFICATION OF REINSERTION AND WITHOUT FURNISHING PROOF OF CERTIFICATION OF INFORMATION. 


THIS IS THE 2nd TIME EQUIFAX IS VIOLATING FCRA 611, 15 U.S.C 1681i RULES.

AND THIS IS CAUSING ME HARM AND FINANCIAL DISTRESS. 
I AM VERY DISAPPOINTED IN EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
the issue is with countywide mortgage in 2007 my mortgage jump from XXXX to XXXX without being told or to send me a letter.i been fighting this over 5years i sent papers to countrywide asking way this is happening? never got true answer they gave me the run around someone in customer service told me if i dont pay the XXXX that they wold foreclose on my home.at the i didnt know countrywide was being indicted for mortgage fraud then i received a letter from bank of america to send my payments to them when i them that countrywide had overcharge me they didnt want to here that they didnt help.i always thought my family would be protected by the GOV.having a FHA loan.i fill like CFPB didnt give my family the help we deserve.I ) ve even sent a letter to the C.E.O Mr.Mahayan of BOFA never got a answer back.I would love to a refund from due to countrywide mortgage now own by BOFA to pay back for the overcharging.they gave me explanation of why countrywide went up on my mortgage am total disable now.couldnt afford to pay this extra XXXX ieven contacted XXXX XXXX news asking for help.i hope and pray that my family will get backthe benefits owe to us.Am gon na give to CFPB my mailing address and my loan # with countrywide mortgage now BOFA i have the same account # is XXXX my address XXXX XXXX XXXX XXXX phone # XXXX please call or write if you need more info.PLEASE HELP 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 2017-12-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
cra violation inaccurate information 
not mine please remove
sent po report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
This is NOT my previous address and I have NEVER lived at this address : XXXX XXXX XXXX XXXX CA, XXXX I have asked for this to be removed and it still has not and there has been no response from the bureau.

Company response to consumer: Closed with non-monetary relief