BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-26
Company: Flagstar Bank, N.A.
State: ME
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had a modification with Flagstar Bank in XX/XX/XXXXwith my then Husband, in XXXX we were divorced and I applied for another modification on my own. I went to court and Flagstar took forever missing documents and everything else. My house almost foreclosed and 2 weeks after court they called me at work and said they could help. For the beginning I said I need my ex-husband off of the modification and they said not a problem. I signed all the documents. I had lots of questions when I got the paper work and no one would call me back or answer my emails. The modification paperwork came in and The breakdown of my trail payments had myself and my ex-husband. The modification agreement has us as a husband and wife with me signing as the borrower. My ex deeded the land to me because Flagstar asked that of him. They also had a letter from my ex saying he has n't given any money towards the mortgage since XXXX. New gave me a new principal balance then added on a XXXX promissory note in my name only as the borrower. With the already new principal balance of XXXX. So I went from a current unpaid balance of XXXX to XXXX + XXXX = XXXX. I am so upside down on this modification that I ca n't do anything and to top it off they only asked for my income my ex was not involved and Flagstar knew he needed to come off the note from XXXX. This paper work is so screwed up and they wo n't do anything for me. Can someone help or tell me what to do. My name must have come up for the class action lawsuit because I received another check this past weekend. PLEASE HELP ME OR SHOW ME THE WAY!!!

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 2021-09-23
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-18
Company: Allied International Credit Corp., (US)
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter dated XX/XX/2021 from Allied international credit corp under reference # XXXX stating that i have unpaid ebay balance of {$120.00}, That to call XXXX XXXX at XXXX XXXX XXXX to make payment, However i do not even have an ebay account, have not transacted with XXXX  Here is the full data XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Virginia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: Experian Information Solutions Inc.
State: CT
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:
Your investigation did not fix error in my credit file. I have informed you already that my report contains accounts that results of identity theft. Please do you reinvestigation and notified me of the result. After your investigation and corrections I want an updated credit report that negative items removed and deleted from my file.

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 2022-09-05
Company: CCS Financial Services, Inc.
State: NC
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:
On XX/XX/XXXX, I sold my XXXX to XXXX XXXX XXXX  I received a receipt showing the sale. I provided a copy of the receipt to the insurance agent, XXXX XXXX. I later found out that XXXX sold the agency to the current insurance agent, XXXX XXXX. 

An entry was added to my credit file for {$130.00} by a company called Credit Collection Services. I called the insurance agent to see why this was added. At that time, I found that XXXX XXXX sold the insurance agency and XXXX looked in the file and said he didn't show anything was done. 

As you can see from the email discussion attached, he said he was going to request that the policy be backdated to XX/XX/XXXX. Nothing was ever done. I finally said it's only {$130.00} and I decided to send the company a letter along with the receipt from XXXX XXXX XXXX asking the if they cash my check that they agree to remove from my credit file. 

Credit Collection Services cashed my check and the entry is still on my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have two accounts with XXXX XXXX XXXX XXXX that are being reported erroneously and making my credit utilization 80 % at this time. 

All three bureaus are reporting these two accounts with wrong current balance and also monthly payment status. 

XXXX XXXX XXXX -- {$21000.00} XXXX XXXX XXXX XXXX -- {$310000.00} The above indicates the current balance for both accounts as of XXXX XX/XX/2022. These account errors are negatively affecting my in the banking system and credit evaluation and monitoring.

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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 XXXX XXXX account # XXXX ; XXXX/XXXX  account # XXXX ; XXXX XXXX  XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX ; XXXX XXXX XXXX account # XXXX ; XXXX XXXX XXXX XXXX account # XXXX & XXXX ; XXXX XXXX account # XXXX XXXX XXXX ; XXXX XXXX XXXX  account # XXXX & XXXX XXXX ; XXXX XXXX XXXXXXXX account # XXXX & XXXX ; XXXX XXXX account XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX  XXXX  account XXXX XXXX XXXX XXXX ; XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX & XXXX XXXX XXXX account # XXXX & XXXX ; XXXX account XXXX XXXX ; XXXX  XXXX  account # XXXX & XXXX has violated my Rights 15 U.S.C 1681 Section 602A States, I Have the Right to Privacy 15 U.S.C 1681 Section 604A Section 2 or 15 U.S.C 1681A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction ( s ) 15 U.S.C 1681b, permissible purposes of consumer reports, subject to subsection ( C ), any consumer reporting agency may furnish a consumer report under the folllowing circumstances and no other in accordance with the written instructions of the consumer to whom it relates 15 U.S.C 1692C, communication in connection with debt collection without the prior consent of the consumer given directly to the debt collection or express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2021-04-18
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:
I received a copy of my credit report and noticed fraudulent accounts. this is stopping me from obtaining credit and according to the FCRA this must be removed please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
my identity was stolen and was used to apply for accounts that I personally DID NOT apply for. there are hard inquiries from varies company that has stolen information with out my signature or my consent. 

Capital One Bank XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX CAPITAL ONE BANK USA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Capital One NA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-06-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern : I would like to file a formal complaint about the way I am being treated by Portfolio Recovery Systems. I am also requesting any assistance you can render in resolving a problem I am having with them. <P/>Several months back I pulled a copy of my credit report and I found a collection account being reported on all three credit bureaus that is not mine. The original creditor is XXXX XXXX and it is now being reported by Portfolio Recovery Associates under account number XXXX. I called Portfolio Associates and spoke to them explain that this debt is not mine. I have never had any XXXX XXXX account at all and I been monitoring my credit monthly for years. I asked them to provide me with any documentation they had linking this account to me. I received no response. I contacted Portfolio on at least six other occasions requesting the same information. Each time I employee for Portfolio became combative and belligerent telling me just to pay the bill and stop asking for any proof the debt was mine. I never once received anything from Portfolio that even attempted to prove to me that the debt that they are reporting belongs to me. InXX/XX/XXXX of 2017 and with the advice of a credit expert, I began taking a different approach. I sent another certified letter to Portfolio Recovery requesting verification of their incorrectly reported debt as per statute in the FDCPA. I have never received a reply to that certified letter. I am enclosing that certified as well as the postal receipt of delivery. At this point I do not know what to do. If I send certified letters requesting a debt verification, as per the FDCPA, they get ignored. If I call Portfolio and attempt to ask for a debt validation, I get screamed at and get told to pay the bill without any proof its mine. I desperately need help resolving this matter. I have never had a XXXX XXXX account. The account that Portfolio Recovery is reporting on my credit is not mine. I can not get Portfolio to produce any written proof showing this XXXX XXXX account was set up by me. I can not even get them to prove that they even have the right to collect this alleged account regardless of who it belongs to. I can not get XXXX  to remove the report from my credit file because they claim they dont need any proof to report an item as long as the reporting agency claims that it is accurate. Apparently, Portfolio doesnt feel they can be held responsible and XXXX doesnt feel they can be held responsible. I need this item removed from my credit and I want the pattern of deception being perpetrated by Portfolio Recovery and XXXX stopped so more peoples lives are not damaged by their actions. Thank you for your anticipated assistance in this matter. I look forward to your response Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2021 I called PNC Bank to report a checking account opened under my name that I did not open. My name and social was used to open an account on the internet without my knowledge. The bank rep told me she would report to the fraud department. On XX/XX/2021 I received a statement for this checking account. I called PNC again and requested them to close these accounts as they could potentially expose myself and the bank to a loss if these accounts go into the negative. They said they would fill out a form and submit it to the fraud department, which they told me the same thing on XX/XX/XXXX and nothing happened. I said close the account and they told me they could not because I did not open them, THE FRAUDSTER DID therefore I am not the account owner. This is either a training issue or PNC has some bad policies regarding new accounts opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Office of The Atty Gen XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 sec 602 A states I have the right to privacy.

15 U.S.C 1681 sec 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 2022-09-05
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
IM POSTING THIS SAME COMPLAINT AND DO NOT CLOSE IT!!! CFPB LEAVE MY COMPLAINTS XXXX XXXX ALONE AND STOP BEING BIAS AND ALLOWING CRIMINALS TO COMMIT FELONY CRIMES, THEY HAVE NEVER PROVIDED A VALID RESPONSE!!!!! LEAVE MY COMPLAINTS ALONE!!! criminals of america refuses to show their side of the accounting, that in fact they are doing business selling my name as a bond and doing business with the secretary of the U.S. treasury, they are XXXX lying criminals, they can not respond with clarity to one complaint ive filed,,, they respond with total XXXX talk and irrelevent information, and its a XXXX shame that CFPB allows this to happen, and my complaints being closed fraudulently bank of america refuses to send me notification of closed account and NO CURRENT CONTRACT!!!!!!!!!! secret accounting without full disclosure and A LIFETIME CONTRACT OF TOTAL FRAUD, THEY OPEN AND CLOSE AN ACCOUNT AT WILL AND TRADE A FICTITIOUS NAME FOR $ $ $ $ BEHIND MY XXXX BACK,!!!!!!

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 2019-08-06
Company: AMERISAVE MORTGAGE CORPORATION
State: OR
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:
I received a number of calls from a phone number in located in XXXX XXXX XXXX, CA. They never left any messages. I answered one of their calls and they were asking about my current refinance situation. I asked how they received my phone number and my credit information without my consent. They claimed they received my credit report however I never authorized them to obtain my credit information or my phone number. 
I request that Amerisave delete all of my contact information as I never have had a relationship with this company and never authorized them to access my credit or phone number

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Their investigation did not fix an error on your report

Complaint:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America has had me in a Modification since XXXX. Not really getting no answers. Now they have given me a new server for the mortgage, with all fees attached and filed for a forclosure, and added more fees to accommodate that as well. We are so exhausted with this process. Please consider some type of help with this extremely long process and all the added fees which are thousands of dollars, in which we are already in a struggle. They have been so misleading since the forbearance has ended. They have changed their words, all help from the beginning and now won't even conversate with you. Bank of America has been a great disappointment to me and my wife in a very hurtful manner.

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