BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 2022-07-07
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number Is an obligation of the United States In accordance with 18 U.S.C 8 and being that you Eastern Account System of Connecticut INC is attempting to collect a debt from I, the consumer makes you guilty and In violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.

Eastern Account System of Connecticut INC is In violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me Into making payments on alleged debt not owed. 
I DID NOT AND DO NOT CONSENT to you Eastern Account System of Connecticut INC furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 

This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This ls also a NOTICE exercising my rights to prevent the processing of my personal data by Eastern Account System of Connecticut INC for the account you alleged that i owe. 

Delete the account from my credit report immediately, you have XXXXdays period.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
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 information incorrect

Complaint:
The information listed below is inaccurate. The Credit Reporting Agencies has not taken the correct steps to evaluate the information. I need you to please evaluate this reporting by making a revision of the information provided. 

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 2022-02-04
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:
On XX/XX/2021 and again on XX/XX/2021 I have requested from XXXX, XXXX and Experian to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

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 2022-02-04
Company: EQUIFAX, 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 XX/XX/2021 and again on XX/XX/2021 I have requested from Equifax, XXXX and XXXX to provide the Method of Verification for alleged debt since the Credit Furnisher has failed to validate the debt as well. 

XXXX Acct # XXXX XXXX XXXX Account Number : XXXX I am requesting that this information be deleted from my credit profile to non compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened a account up with this branch on XX/XX/2019 and XX/XX/XXXX i logged into my account and it told me to contact security dept. I called and they told me that they are permanetely closing my account due to insufficient documents and unable to verify me and they told me to go to my local branch. I drove 2 hrs to my local branch on XX/XX/2019 and spoke with XXXX and she told me to speak with someone else name XXXX XXXX. because they were unable to withdraw my funds from my account. she called security and they and stated that they needed i.d to release funds. i provided that documentation an she said they need legal documents stating my name change. I provided that and she told me that i needed to go to the social security office or the court house to get legal documents showing my name changed. I sent those documents in along time ago and they stated that it was not called for. so when i told XXXX, she stated she does not see it on file. and she also stated that if my marriage license pertained my maiden name it is not sufficient because my identification is showing my married name and that my married name is not on my marriage licenses. i told her that when you get married they will ask you for documents showing you are married and i gave it to them at the social security office and that how i got my married name. I showed all documents needed to verify i am who i say i am. all legal documents and all. They are failing to give me my funds out my account and they closed my account because i used my real name .This is a form of discrimination for closing my account for no reason even when i gave sufficient documents and they are failing to release my hard worked money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: AMERICAN EXPRESS COMPANY
State: AZ
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have asked for all 3 bureaus to do thorough investigations of the items that are reporting on my files and they are n't doing what they 're supposed to. I should not have to fill out what is incorrect and send it over to them because I have requested investigations of my entire reports. I just checked my recent reports and now see that an old account that was already disputed and deleted is being allowed to repark on my report as a new account being reported. The name of the company doing this is XXXX and I am aware of my rights that agencies nor bureaus are allowed to park old accounts on your reports. This is my 3rd time asking for a thorough investigation to be done on my credit reports and if this is not done I am prepared to seek legal action against the bureaus as well as the agencies reporting inaccurate information on my reports without any legal and binding contracts.

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 2017-08-18
Company: Statebridge Company
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid the wrong amount one month. I shorted the payment by {$30.00}, because I have an adjustable rate and it 's the first time it had gone up. I sent in the {$30.00} with my next payment. Now they are charging me late fees every month, even though I am paying on time. They insist that they ca n't waive the " late fee '' even though I was n't late, and have NEVER been late since XXXX sold them my mortgage! I was with XXXX for 20 years and never had an issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: WELLS FARGO & COMPANY
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
On my checking account, Well Fargo withdraw : XX/XX/XXXX amounts {$720.00} XX/XX/XXXX amounts {$1500.00} XX/XX/XXXX amounts {$6700.00} XX/XX/XXXX amounts {$1500.00} On my saving account XX/XX/XXXX amounts {$1000.00} XX/XX/XXXX amounts {$2300.00} I can not pay the amounts for my personal credit card then I check on my business bank account, Well Fargo withdraw money from my business bank account. According to legal adviser and Fair credit reporting act, Well Fargo do n't have authority to withdraw money from my business bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to remove the fraud alert on my TransUnion credit report file XXXX. I have attempted to call and go to fraud.transunion.com. please remove the fraud alert

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 2022-07-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
i have been working with US Bank my servicer on a loan modification sinceXX/XX/XXXXand they consistently request for pay stubs stating that they do not have 30 days worth of income. This statement is absolutely inaccurate due to i am paid bi-weekly and 2 pay stubs would cover that. When i submitted i submitted 3 pay stubs to be safe which were current and consecutive at that time. During the length time of them having to review the documents just to get it from stage to stage i consistently updated the pay stubs again to be safe. I got a pay increased in the month of XX/XX/XXXX, I went from {$17.00} to {$21.00} and the first pay stub to reflect that was dated XX/XX/XXXX. US Bank stated that I need to send 30 days worth of pay stubs to reflect increase so I sent the next one that I got dated XX/XX/XXXX, I called back and they do n't have 30 days but they have those 2 pay stubs ( how does that work ). I sent in another pay stub dated XX/XX/XXXXand again the have all 4 but they do n't have 30 days worth of income with the increase in rate. Again I faxed in another pay stub datedXX/XX/XXXX, called lender to confirm received which they did and what a surprise they need 30 days worth of pay stubs with increase. To me that would fall in line with dual tracking but I am not done with US Banks consistent badger for more documentation which is stalling the process and pushing more into delinquency. i just called again today XX/XX/XXXXto get an update on status hoping someone at US Bank knows how to do their job, I was told that I need to provide 30 days worth of pay stubs, I asked if they have my pay stubs from before and they said yes but since the underwriter is asking for it then we must get it for them. I asked can you count the pay stubs that you see in my file and they said I see it but because they want it then we have to get it, but you have months worth of pay stubs with the increase that does n't matter I was told because we have to get the new pay stubs for 30 days. I have faxed over the newest pay stub that i just received today dated XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
DISPUTE LETTERS WERE SENT TO XXXX FOR {$15000.00}, XXXX XXXX {$110.00}. AND TRANSUNION XXXX XXXX AND XXXX AND TRANSUNION AGAIN XXXX XXXX. XXXX AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO TRANSUNION XXXX XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR XXXX WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XXXX XXXX XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) XXXX HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND XXXX RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS

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 2020-10-07
Company: Volvo Car Financial Services U.S., LLC
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 status incorrect

Complaint:
I returned a leased vehicle to XXXX XXXX XXXX on XX/XX/2020. I got a new leased XXXX at the same time. It was delivered to me and the old vehicle taken. I received a bill from Volvo in XXXX ( for the vehicle I turned in ) for the monthly payment, a late charge and excessive mileage charge. I had not exceeded the mileage, in fact it was under the amount allotted in my lease. When I called Volvo Financial Services ( VFS ) to inquire about why I was being billed for a car I no longer had possession of, they said they hadn't received the odometer disclosure from the dealer yet. I was told " not to worry, it sometimes took a few weeks for the paperwork to " catch up ''. I was told " they would make a note in my account and my credit would not be in jeopardy ''. I then started getting phone calls from VFS about my past due account. I explained repeatedly and was told the same thing- 'do n't worry, we noted this and it won't affect your credit. VFS asked me to contact the dealer and get the odometer disclosure statement because " I would have better luck as the customer ''. I did and it took several weeks to actually get the report. Once they had it, VFS agreed to close the account and remove the 30 day late status on my credit report. They still have not removed and I am being charged a higher rate on a new loan because this lowered my credit score.I have also disputed this with all three credit bureaus and was just informed my dispute was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-02-04
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have had many corrections on my credit report and still seem to be very negative the XXXX late payments reporting on my credit was when I tested positive with XXXX was in the hospital and couldnt work i called the XXXX companies with the late payment they told me the credit B have to remove it they are so unprofessional and rude everything is on a computer for all XXXX of the credit B. I have wanted to get me a house for years and the realtor told me I have to many negative things on my report it has took control of your life and I just want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: Professional Placement Services, LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This was included in my Chapter XXXX Bankruptcy but is still reflecting on my credit profile.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: AMERICAN EXPRESS COMPANY
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX charged my AMEX card {$150.00} for the XXXX XXXX XX/XX/XXXX season. Instead of notifying me of the charge they sent my wife an email stating our XXXX XXXX will be auto renewed. According to XXXX XXXX, my wife is the " head of household '' and she only receives emails. My wife called XXXX on XX/XX/XXXX, the same date the charge was posted on my credit card and requested the charge be removed because we did not elected to be in the auto-renew program. I called XXXX on XX/XX/XXXX after seeing the charge on my AMEX and was told it was to late to make any changes with regards to my pass. I have copies of both cell phone calls to XXXX  credit card department ( see attached ). I asked the call center agent to file a complaint and explained that I was never notified as the AMEX cardholder of the charge prior to it being posted and regardless of their policy should have informed me under the consumer protection laws. They instead notified my wife and although she called to cancel the pass on XX/XX/XXXX, XXXX XXXX erroneously charged my AMEX account for {$150.00} on XX/XX/XXXX. 

XXXX XXXX are using deceitful methods to automatically enroll its consumers in a renewal program without clearly defining the consumers options. It is also important to point out that their website portal does not allow a consumer to delete or remove their credit card information. I have verbally, through email and their privacy portal requested my personal and credit card information be deleted without any avail.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been trying to sell my property however there is a lien on the Property ; the property had been re-financed, paid and transferred to XXXX XXXX XXXX from XXXX XXXX that is now Ocwen mortgage -- I have tried to get a lien release without success

Company response to consumer: Closed with explanation