BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-25
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently submitted a letter addressed to the Credit Bureaus on XX/XX/2022 to request an investigation and have the disputed items removed from my Credit Report. I have read that the Credit Bureaus are required to remove any accounts and information that resulted due to identity theft under the Fair Credit Reporting Ace section 605b. Despite all my Efforts to correct my Credit Bureaus, the Credit Bureaus have done nothing to have the disputed items removed. I am disappointed to see that the Credit Bureuas ignore my requests to correct my Credit Report and continued reporting the disputed items without proper verification and authentication. I am submitting this complaint to protect my rights and excercise my rights under the Fair Credit Reporting Act section 605b. Please remove the disputed items removed from my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX CT XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$0.00} XXXX  XXXX XXXX Balance {$450.00} XXXX  XXXX Balance {$440.00}

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 2015-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I was added to a certain credit card as an " authorized user ''. The main reason is the primary did n't want the husband to know she opened another card. She 's in debt badly and uses my card so husband is left clueless. I repeatedly asked the primary to remove me from this card. Of course matters got worse when I requested that. Primary finally contacted the credit card company as did I and requested my total and complete removal. I am not responsible for this bill any longer. I have faithfully paid on this card for over 2 years, charges that were n't even mine but the primary 's. The primary has yet to accept responsibility for the " current balance '' which is not mine. This is making me and my credit look bad which took me years to get my credit back due to a lot of personal reasons. Transunion has been contacted numerous times by me to dispute this and remove it from my credit report. I disputed this mess to Transunion via XXXX XXXX and to them directly.They are the only company still showing this account on my report. All others took care of it immediately. I 'm not sure if I should list the credit cards name? Please help. Thank you for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: ALLY FINANCIAL INC.
State: LA
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:
Due to being in the middlr of a mortgage loan and closing in 4 days. I reached out to ally to make an extension for XXXX and XXXX. They agreed with payment of XXXX before XX/XX/XXXX. This morning my credit recieved a negative mark dropping it XXXX points and disqualifying me for the loan. I spoke with a customer care rep who documented the conversation and confirmed the agreement MOVES the due date to the back the loan and once the XXXX is paid the account is current but will not reflect on my credit report.. this is unacceptable! If an agreement is made and it is to not harm my credit and does with the additon of the XXXX paid bf the XXXX the account will be current but it will reflect on my 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 explanation
Consumer complaint received 2016-06-07
Company: BB&T CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
I refinanced my mortgage with BB & T because they had a better rate at 4.49 %. I told the loan officer that I wanted a fixed rate not one that fluctuates. I was specific with her. She said that it would n't change, that a fixed rate did n't matter because they hardly ever change. I received a letter 4 months after stating that my rate increased to 4.74 %. I was so upset! Because she told me that it would n't increase. I went into the branch and spoke with her and she said there was nothing she could do because I signed the papers that said that it was n't a fixed rate. Finally, the last bill that I got had an interest rate of 5.99 %. I am so upset. This is more than I was paying for my mortgage before I switched. I felt that XXXX XXXX ( Loan Officer ) was not clear and was misleading. She said that my credit was n't good and this is why I received the 4.49 % and not lower. Please help me in this matter I am an eighty year old and ca n't handle all of this aggravation.

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 2016-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I used a credit monitoring service and my credit monitoring service informed me that a couple of months ago Transunion had an error in their systems and what happened was they deleted a bunch of inquiries from consumers credit reports and about a week later they reinserted those inquiries back onto those reports but they did not follow the proper procedures to do that. The following inquiries were deleted and reinserted XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX XXXX Inquiry XXXX XXXX, XXXX I called TransUnion and Transunion gave me a file XXXX instead of deletion of inquires Section 611 of the fair credit reporting act states that anything deleted from credit report and reinserted needs a five-day notification after that item is reinserted and that did not happen. I was a victim of their inquiry issue and i want the above stated inquiries removed of my credit report. I HAVE A SCREEN SHOT OF WHEN I HAD NO INQUIRIES ON MY 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 2022-07-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I sent a complaint requesting that CREDIT BUREAUS reinvestigate the disputed Accounts from my credit report as well as correct these following Accounts : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX  XXXX Balance Owed : {$7500.00} from my report. As of this date, XXXX, Equifax and XXXX have failed to respond to my request. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My name is XXXX XXXX and this is in regards to my my brother, XXXX XXXX, who took a payday loan out with Cash Net USA in XXXX XXXX according to XXXX XXXX with Cash Net USA who provided me this information today XXXX XXXX, XXXX because he was thinking I am XXXX. XXXX XXXX never paid the loan back, and since he gave my name and number and my sisters names and numbers on the application, Cash Net USA and a private locator by the name of XXXX XXXX that they have hired, have been calling us and harassing us about the loan. XXXX XXXX leaves threatening messages stating that the message is for XXXX XXXX and that if they do n't get in touch with XXXX that they will have to take legal action in court. From that message, anyone listening to it can tell it is regarding a debt. Those messages are embarrassing to us and we do n't want our children or spouses have to listen to those types of messages left on voicemails. We never gave Cash Net USA or XXXX XXXX authorization to provide our phone numbers on the application. That was done without our authorization. We have nothing to do with this debt and Cash Net USA and any individuals, like XXXX XXXX, that they have hired, should not be calling us at all or discussing the account with us at all that they have done. We do not have anything to do with XXXX XXXX as we do not speak with him and do n't want anything to do with him. All of us have been estranged from him since XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Unfortunately, I did not know that what they were doing was wrong until I saw the lawsuit. I thought they were following a protocol that I had to follow. When it came time to pay my Navient federal loans after graduation, I could n't pay the full amount on my loans. I tried to talk to Navient about options, and they told me I had to go into forbearance. When I asked if I could go to an Income Based Repayment plan, I was told I could n't go to it until the forbearance time was exhausted. So in that time, I had to wait to be in IBR plan and was accruing interest. XXXX XXXX did a similar situation with my private student loans, except they made me pay {$150.00} to defer them, while still accruing interest ( which is also ridiculous since if I had {$150.00} at the time, I would have been paying the loan ). Hence, I thought this was just the norm, that I had to follow their protocol of forbearance before I could even go to an IBR plan. I hope they fix their practices. People need to realize that students are fine with paying back the loans they took out, but they would like to do so under fair circumstances. Hurting us all when we are down only compounds the issues and will simply cause a stagnant economy for all citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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:
One of the accounts held by XXXX now is fraudulent and was not opened by me or with my consent. I have an account which shows paid on time and in full with XXXX now which is valid, however there's another at a later date which is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-24
Company: I.C. System, 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.C. System INC., attempted to collect a debt of {$360.00} by contacting me at an incorrect address on XX/XX/2019 ; an address never used by me. The mail was forwarded to me and I responded two times demanding that I.C. System INC., verify their alleged debt. 

I.C. System INC., ignored my Notices and placed their unverified fraudulent account with the bureaus for collection. A Notice of Intent to Sue is currently on the way to I.C. System INC., for their repeated violations of the Federal Debt Collection Practices Act U.S.C. Title 15 1692 et seq I.C. System INC have failed to provide me with a signed letter under penalty of perjury of the authorized representative of I.C. System INC.

I.C. System INC also placed their account with the bureaus for collection before the legal response time of 30 days.

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 2022-01-20
Company: Bread Financial Holdings, Inc.
State: AZ
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'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CB/VICSCRT Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Willl by law the validated my rights so by credit act I have the rights to disputes the Credit card if they are wrong end accurati hope you delete our dispute all they account are in my report ok

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification which has been in progress for some time now, with select portfolio servicing, i have spoken to them in the month of XXXX, XXXX on XXXX XXXX. XXXX XXXX. XXXX and XXXX /16 regarding varies requested documents that were sent in and received the last person i spoke to was a XXXX XXXX XXXX on XXXX about XXXX ; XXXX in the afternoon, i was told that they had everything in that was needed, at no time was there ever mention that some thing was wrong or there was something missing, well today i got a letter stating that my file was closed because of missing documents and my home is set for sale on XXXX/XXXX/16. I really dont know what kind of games these people are playing nobody said anything to me about this all the times i called, they never called to say nothing just like that they closed the file, and the excuse was and they waited until a few days before the sale to tell me was my non borrower income provider didnt prove that he lived in the property even with a telephone bill, electric bill and a bank statement with his name and our property address on it select portfolio is full of it, this is nothing but XXXX, to take my home they make XXXX XXXX look like XXXX. ps I also included the dated letters they sent to show they are liars they never said nothing about the documents!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent Bank of America a letter of intent to recast my mortgage, a certified check to be applied against my principal and a seperate check to cover the recast fee. Both checks were received and deposited at the end of XXXX, over a month ago. I contacted BOA in early XXXX to request a status report. Was told they lost my letter of intent, faxed another letter of intent. Called a week later and was told that the back office team had not assigned the request for recast. Was told that a specific request to assign the recast would be made that day, XXXX XXXX. Was told that it would take two weeks to complete the recast. Called back a week later and was told that the recast was assigned on XXXX XXXX and that they had two weeks to complete the process. Confirmed with Customer Service that " back office team '' had everyrthing they needed. Called XXXX XXXX and was told that no information was available from " back office team '' and could not confirm the status of the recast. Was told an " urgent request '' was being sent to get the status of the case and to call back the next day. Called today, XXXX XXXX, was told no information was received from " the back office team ''. Customer service rep agreed to contact her Manager to have her intervene with " back office team ''. Customer service rep created a direct request folder and gave me the number to consolidate all efforts to get any response from the " back office team ''. Agreed to call back this afternoon.

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 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Over 30 days ago, I wrote to your company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays dat XX/XX/2022 XXXX has not responded/ replied/ answered to my dispute and therefore must update from my credit file. 

BANK OF AMERICA XXXX Under the Fair Credit Reporting Act, your bureau was to have completed/ finished its reinvestigation of the disputed information within 30 days. I am requesting/ seeking/ demanding your assistance in the verification of the disputed data from my credit report. Kindly send to my address provided above an updated credit report as proof that this/ these have been updated. 

I'd appreciate it if you could update or correct this reporting account as soon as possible. If you don't comply with the request, the account should be repaired right away.

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 2019-12-24
Company: ALLY FINANCIAL INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
ATM withdrawal on XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) and XX/XX/XXXX for {$400.00} ( dispute number : XXXX ) not made by me. I opened a dispute on both transactions. Dispute XXXX was closed in my favor but the bank will not provide the information used to come to that decision. Dispute XXXX the transaction was determined to be authorized and correct. Merchant Name/ATM location : XXXX XXXX XXXX XXXX XXXX XXXX, CO, XXXX. I have requested information used to come to that decision. The information was not provide in letter sent to me XX/XX/XXXX informing that they determined the transaction was in fact valid. I think the disputes are related both were made at the same location. 

The ATM did not have a EMV chip reader, I did not see a camera. When I called XX/XX/XXXX to report the first invalid withdrawal on XX/XX/XXXX ally bank did not recommend canceling my card or inform me that a {$400.00} withdrawal had been made at the same ATM on XX/XX/XXXX. This is a ATM that is in network ( approved ) by ally.

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 2017-03-18
Company: Navient Solutions, LLC.
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient refuses to work with me. Their website states they 're here to help but has chosen to ignore my request for a deferment and I have been subjected to numerous phone calls and e-mails from them. If I knew that updating my information with them would have this negative consequence I would of never given them my new information. I am having financial difficulties and requested a deferment until XX/XX/XXXX of this year but they have ignored the request and instead I am the recipient of near constant phone calls and e-mails. My loans are now way past due and they refuse to bring them current and grant me a deferment.

Company response to consumer: Closed with explanation