BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I secured a mortgage in XXXX through a XXXX XXXX affiliate, XXXX XXXX XXXX XXXX, and I was paying them through their own servicing company. XXXX XXXX, in entirety, went bankrupt in XXXX. I stopped making mortgage payments in XXXX/XXXX/XXXX, when I could n't find out who held my title, deed and mortgage lien.In XXXX, XXXX XXXX XXXX XXXX, as trustee for XXXX XXXX XXXX, initiated a foreclosure suit. However, it was XXXX XXXX XXXX that claimed to be an injured party on all thee credit bureaus starting in XXXX. I have never signed any contract or owe any money to XXXX XXXX XXXX. In XXXX XXXX, XXXX removed XXXX XXXX XXXX from my credit report. XXXX and Experian refused to remove XXXX XXXX XXXX from my credit reports with them in XXXX XXXX. As my credit scores and job opportunities has been negatively affected by XXXX XXXX XXXX under fraudulent circumstances. I want them removed from all my Credit Reports immediately. XXXX XXXX XXXX is a servicing and not a mortgage company. They are not an injured party to my foreclosure case that has languished 55 months without a court date being set by any plaintiff, not even XXXX XXXX XXXX. Please help me resolve this matter as soon as possible

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I received a letter in the mail informing me that my account has been overdrawn {$330.00} for 42 days. I logged into my account and noticed that Wells Fargo allowed multiple withdrawals from third-parties when my account only had a few dollars left. I opened a new checking account with a different bank last year due to their overdraft fee class action lawsuit. I had no idea they would authorize continuous transactions after the first attempt failed then charge me NSF Returned Item Fees until they rack up then send me a letter about collecting a debt. This has put me at odds with Wells Fargo and I do n't even want to be their customer anymore. I have used their services ever since my old bank ( Wachovia ) was acquired by them, and while I 've had a few bad experiences in the past, this particular incident is much larger.

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 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have, in all respectful ways, requested that these two accounts be reviewed ; and that all signed and binding contracts between XXXX and myself be put forward and produced and put in full exhibit before these credit reporting agencies to report truthfully and rightfully. 

1. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( s ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices. XXXX. Account name : XXXX XXXX Bank Account number : XXXX The alleged delinquency and or the derogatory claim ( XXXX ) of information above listed is, as reported, deficient of the minimally required and mandatorily demonstrated document proof evidencing of the claim 's current certifiable compliant reporting of negativity ( ies ) that are in fact also physically verified confirmed and factually true, correct, timely, adequately complete, and or ELSEWISE undoubtable in its validated claims. Being deficient, I DEMAND it and all its aspects of negativity alleged be DELETED FULLY today, even right now so to return to and or retain ethical and lawful reporting requisites and the mandated or elsewise established standards of adequate consumer credit reporting practices.

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 2022-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraud Accounts appearing on credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not consent to nor authorize, nor benefit from the account XXXX XXXX XXXX XXXX of PayPal Credit. Block and Remove account XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX and XXXX and XXXX XXXX XXXX of PayPal Credit is using unlawful extortionate means to commit abusive, deceptive, and unfair debt collection practices in order to bring harm to me for an alleged debt that has not been validated. All PayPal Credit management, supervisors, and employees are in violation of a Cease-and-Desist order and are continuing to invade my individual privacy despite not validating this alleged debt per Federal Law. Pursuant 15 USC 1692g ( c ). I have not validated this alleged debt and my failure to dispute the validity of this debt shall not be construed as an admission of liability. PayPal Credit are in violation of 15 USC 1692d ( 4 ) for debt parking and 18 USC 1028A for aggravated identity theft for furnishing these alleged debts to my consumer report that has not been validated.

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 2022-05-27
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2015, I charged XXXX to my Citi Health Card account for vetinary services rendered at XXXX XXXX XXXX. I was to receive 0 % interest if the credit was paid in full ( do n't recall but between 1 1/2 to 2 years ). When I received my XX/XX/XXXX statement, I noticed an interest charge of XXXX. I called CITI to dispute the interest and was advised that XXXX XXXX XXXX entered the transaction wrong. They said that the veterinary center did not enter the promotion code. I immediately called the veterinary center and told them about the problem. 
The veterinary center called me back when they corrected the issue. I continue to receive finance charges despite numerous calls to CITI Health Card to resolve the issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Transaction date XX/XX/2022 Money transfer with account number incomplete how is posible the now the bank don '' t know were is my XXXX is for the purchase of a land in FL, closing day is today XX/XX/2022 Are bank keep postponing were we going to loose even the posit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: BSI Financial Holdings, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial has refused to remove XXXX XXXX  XXXX from my account. 

I submitted an official appraisal report on XX/XX/2021 indicating that the market value of the property had increased to {$610000.00} - meaning my equity had surpassed the 20 % threshold. 

I was told that XXXX would be removed within 30 days of submitting the official report/appraisal. 

I have contacted the company via phone, email, and messaging system at least 3 times since to follow up and have the XXXX  removed and associated charges refunded. 

They have never responded and the customer service associates are unwilling to connect me with the underwriting team directly to sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: LEXISNEXIS
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 made a complaint to CFPB in regards to an issue that Im having with LexisNexis they have failed repeatedly to fix this issue of reporting inaccurate information to XXXX, XXXX, XXXX stating that they received this information from a valid source the XXXX XXXX XXXX BANKRUPTCY COURT. I am also providing a statement from the court that they do not provide any information to the credit bureaus, also I will attach the notice that I mailed to LexisNexis in regards to this issue, along with the letter they sent back stating the received this information from the XXXX XXXX XXXX, I have been going back and forth with lexis nexis about this issue and they have failed to get it right. And they are unable to provide me validity from the court that gave them this information so under the FCRA they are to remove this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This letter is to give notice of a violation of the Consent Order issued XXXX XXXX, 2014, File No. XXXX to Flagstar Bank, F.S.B. According to Section C. subsection 89 ( b ) it states as follows : For any Affected Consumer who ( a ) is delinquent or in foreclosure as of XXXX XXXX, 2014 and ( b ) is more than XXXX days before a foreclosure sale as of the Effective Date or no foreclosure sale is scheduled ( " Delinquent Consumer '' ), Respondent must : b. If a foreclosure trial, judgement or sale is scheduled, based upon the circumstances of the foreclosure and the applicable state law, petition the court, or take other reasonable measures to delay the foreclosure trial, judgement or sale. 
Flagstar Bank F.S.B. is pursuing a foreclosure action which clearly is in violation of the referenced Consent Order. I qualify under the criteria of the Order therefore I am requesting a full investigation and action to terminate Flagstar Banks attempt to foreclose so other remedies may be pursued. The case was filed in XXXX XXXX County Missouri Circuit Court under Flagstar F.S.B. v XXXX XXXX XXXX. 
This is not a request for legal advice or assistance of legal counsel in this matter. I am available to assist in any way to bring this matter to a conclusion. Your urgent cooperation is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
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:
XXXX XXXX XX/XX/2019 XXXX {$5600.00} This is a fraudulently opened account that was previously deleted and now re-appearing back on my Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have XXXX student loans with Navient, these loans are paid every XXXX of each month. I noticed that in XXXX of my loans my accrued interest was {$9.00}. My interest only accrues at XXXX every day for that loan, on day XXXX after payment my interest accrued for this month is already at XXXX. I had the same issue with another loan my accrued interest is XXXX, which should only be XXXX cents after XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: AMERISAVE MORTGAGE CORPORATION
State: ND
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
Company keeps texting, calling, and emailing, even though I have requested them to stop.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Franklin Collection Service, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I vacated an apartment and cancelled XXXX internet service in XX/XX/XXXX. In XX/XX/XXXX, a collection notice was posted on my credit report, resulting in a major drop in my XXXX credit score. 

I was never contacted by XXXX by phone or mail. Nor did I receive any phone or mailed notice from the collection agency ( franklinservice.com ). I only found out about this claim by checking my credit report. 

The collection agency has not provided the original bills... they only have ones showing an overdue amount with additional interest. I keep requesting the original bills, as I have no idea what the charges are for, or if they're valid. When I occupied the apartment, I paid my bills automatically via credit card, so I was always paid in full and on time. 

My internet searches have shown that this is a common practice with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian.Com has reduced my XXXX and credit score to " Poor '' based on an account that has been closed since XXXX which has recently shown up on my credit report as unpaid. The account shows that it was opened in XXXX XXXX with XXXX but I have not had an account with XXXX and I do not owe them for past services. 
XXXX has billed me {$480.00} for an account they claim was opened on XXXX XXXX XXXX. I have not been a XXXX customer since XXXX and my account was settled and closed at that time. XXXX is now claiming in error that I owe them for this closed and settled account. This bill was sold to a collection agency and has now hit my credit report and is affecting my ability to secure credit including a home loan. I have contacted XXXX but they have not been able or willing to resolve this issue. I am asking the CFBP to exercise it 's rights and duties under the authority of the XXXX and President of the United States to investigate this error in billing which has placed an undue burden on me and my family. The CFBP 's duty is to protect the consumer from such unlawful and unfair practices. 

I was made aware of this false and erroneous debt when I recently checked my credit report. I was never contacted by XXXX about this issue or this bill. This account needs to be expunged from mt credit report immediately as it is having an immediate and ongoing detrimental affect on my quality of life and ability to support myself and my family. 

Your prompt, thorough and corrective response is greatly appreciated and much needed, 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 non-monetary relief
Consumer complaint received 2015-11-26
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Rewards

Complaint:
Discover is running a promotion where they are giving 10 % cashback for all purchases made via Apple Pay in store until XXXX/XXXX/15. I have made numerous purchases using Apple Pay but discover has not honored many of the purchases because they added a clause several days into the promotion that says " gift cards are excluded. " To enforce this clause, they are now blanket rejecting many purchases above a certain amount and requiring customers to provide receipts to show whether the purchase is or is not a gift card purchase. No where in their terms of service does it state that customers need to retain receipts and then send them to Discover. 

This is a blatant attack on consumer privacy and has shifted the burden of proof to the consumer when it is the credit card company that should be the one verifying purchases. 

If Discover wants to exclude gift cards, they need to do it accurately and without requiring customer receipts to be sent to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: EQUIFAX, INC.
State: GA
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:
To Equifax XXXX XXXX, This is a formal notice that you both, Equifax And XXXX, have failed to respond in a timely manner to my dispute letter that was received by you both no later than XX/XX/XXXX deposited by certified mail with the U.S. Postal Service on that date. 

Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. 
Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and pursuing a federal lawsuit should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 

For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified, accompanied with the method of verification and, following failure to verify, DELETED from the report as soon as possible : 1. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXX  Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) Account : XXXX XXXX XXXX XXXX XXXXXXXX Instructions : THIS ITEM IS INACCURATE AND UNVERIFIABLE. PLEASE DELETE! 

XXXX. ) XXXX XXXX  XXXX Instructions : THIS ITEM IS INACURATE AND UNVERIFIABLE. PLEASE DELETE! 

The listed items are entirely inaccurate and incomplete, and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days. 

FAILURE TO DO SO WILL RESULT IN LITIGATION FOR FULL DAMAGES! 

Thank You!

Company response to consumer: Closed with explanation