BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL COMMISION 'S IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-01
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Wells Fargo. In XX/XX/2020 Wells Fargo sent an offer to defer payments to the end of my loan if we were affected by COVID-19. My wife had just lost her job and we were having trouble making our mortgage payments so we figured 'why not ' while my wife looked for another job. We continued in the program for 11 months and we were able to make 1 payment while in the program. Our original principle balance of the loan was {$370000.00}. We had payed out mortgage down to {$350000.00} before COVID-19 struck. We differed 11 payments which they said equaled {$23000.00}. I spoke to a Wells Fargo " mortgage expert '' about my options and was really confused about what I heard. I was told that they would mail out some info on a couple of different options on repaying the missed mortgage payments. I never received the information. Instead I saw that Wells Fargo modified my mortgage by adding the {$23000.00} in " differed payments '' to my principal balance. So I now owe {$380000.00} after adding the differed amount to my original balance. So I now owe {$10000.00} more then my original amount financed! I did read up on the Forbearance Program offered by XXXX XXXXe and if what I read was correct, then Wells Fargo was making my payments for me while I was thinking I was differing them to the end of my loan, but they were not deducting the payments from my principle balance. This means I will be paying the payments back twice ... .once to pay them back for the Forbearance Program and again in my original principle balance of my original loan. I do not call this helping people in need ... .this is taking advantage of them. Please look into this and let me know? 

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 explanation
Consumer complaint received 2022-08-29
Company: I.C. System, Inc.
State: NJ
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 account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-03-03
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Was notified on XX/XX/2022 I was locked out of my navy federal bank account without notice I then went into a branch I properly identified myself and was told it would take 10 business day to resolve this matter here it is XX/XX/2022 my case hasnt even been touch after being told by multiple representatives is was in progress I need my medication I have bills to pay and this is causing me to have a lot of missed and late payment due to no access of my account I have tried to resolve this issue on multiple occasions nothing has be resolved no one has answers or no one has reach out nor sent any documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I initiated a re-investigation as is my legal right with Experian on information that they had failed to properly investigate. In direct violation of FCR A 611 ( 3 ) ( A ) - ( C ) [ 15 U.S.S. 1681i ], they determ ined the information as frivolous even though I had requested investigation of some different and very specific aspects of the records ( for example, due to their previous reply that they had not actually investigated the public record but instead simply went to another company to get information and not to the actual reporting body ) that was not presented when I previously disputed the information. Experian 's CONTINUED unwillingness to comply with my rights under the FCRA for information is causing me undue hardship, loss of opportunities for housing and is costing me actual monetary damages via higher interest rates, insurance rates and fees based on unverified and unvalidated information.     ADDITIONALLY, Experian has continually violated F CRA 606 ( 3 ) [ [ 15 U.S.C. 1681d ] in that  they have furnished an investigative consumer report containing a public record that has not been verified for accuracy of the information within a 30-day period ending on the date on which the report was furnished.     ADDITIONALLY, Experian has made applicable FCR A 616 ( a ) - ( d ) [ 15 U.S.C. 1681n ] Civil Liabality f or willful noncompliance. I am sharing the contents of this complaint with my attorney to decide on how to proceed to obtain damages from Experian unless this matter is satisfactorily resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-31
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX pa XXXX Im wiritng to request to remove the fraudlent items on my Credit report. 
the information listed below which appear on my credit report, does not relate to any transactionls. notice how it was charge once and never been use again. it is the result of identify them I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 


Fraud Account Account Name : XXXX XXXX XXXX Account Number : XXXX Account Was Open : XX/XX/XXXX Balance : {$490.00} _________ Account Name : XXXX  Account XXXX When Account Open : XX/XX/XXXX Balance : XXXX ________ Fraud Inquiries : inquiry Name : XXXX XXXX XXXX XXXXnquiry Date : 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 explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I'm very disturbed by the fact that I received a credit card application in my late father 's name from Bank of America when he has been deceased for 40 years! If Bank of America is so hard up for customers that they have to start sending credit card applications to family members loved ones is pretty reprehensible to say the least. After all these years I want to know how and where they found this information and want it completely purged from their systems. I also want a formal apology as well. Bank of America can rest assured that I nor my family will never do business with them in the future. This is truly appalling and all in the name of big business.

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 2022-08-29
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Requested a report from XXXX Consumer Assistance Account : XXXX  XXXX  : Accounts shaded below may be considered Negative accounts XXXX shows this account " Negative '' .. No Data is available for months left blank in the payment history XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Bread Financial Holdings, Inc.
State: MI
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:
on my credit report it shows comenitybank/XXXX as an open account. but this account has been closed for over 6 years.right after this is another XXXX account that is closed. it is the same account. 
incorrect reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Transunion credit report. FTC ID Theft report # 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 2022-08-29
Company: CITIBANK, N.A.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I called Citi to discuss my interest rate and options for lowering it. The representative told me I was under " penalty '' for a missed payment and asked why I missed the payment. I asked what the date of the payment was and she informed me it was XX/XX/2020. I replied, the pandemic relief outlined a suspension of CC, mortgage, etc. payments for a time period. That " missed '' payment fell within that time period. I asked if she could give me more information on the missed payment, to which she said, " no, it was over 2 years ago. '' I asked to speak to a supervisor and I was told they are not available. I was told to call back later. I have tried to get this sorted out numerous times with the remedy being more time spent from Citi. In essence, Citi is making it impossible to get any answers or figure out what is going on. They have raised my interest rate and are using an algorithm to make decisions based on inaccurate data and information. 

Citi is using tax payer funded programs coupled with a global pandemic to make more money and keep people in debt longer.

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 2018-02-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been working to pay off my debts which include my student loans and car loan. I have not always been faithful in making payments but within the last 3.5 years I have committed to paying my loans off. I have talked with Navient on several occasions on how they allocate my payments ( principal vs. interest ). They have failed to fairly adjust the allocations. This unethical practice is unjust to me as a borrower and will keep me in debt on an account that can be easily paid off. At the rate I'm going I will finish paying off my car loan ( which had a higher balance and higher interest rate ) before my student loans will be satisfied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding inaccurate items being listed on my consumer report. Its now 44 days later and I have not received a response back yet. My consumer report is causing me grave injury due to the inaccurate reporting and I feel like Im seriously being taken advantage of. I have read the fair credit reporting act and section 611 ( a ) states failure to investigate these items within 30 days gives a reason to immediately remove the items from my consumer report. Its been well over 30 days, in fact tomorrow XX/XX/2022 will make 45 days and still no response yet so the items that are reporting inaccurately should be removed promptly. I demand these accounts to be deleted immediately or I will file for litigation for the injury and emotional anguish this matter is causing me. I also recently found out my information has been impacted by the XXXX XXXX XXXX and may have been exposed to the wrong person.

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 2019-08-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
This company Bayview foreclosed on my home and made four attempts to sell, yet they have a sale date set for XX/XX/2019, and the process was all done forged, fabricated, and altered documents. 
Most Importantly, I attached documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-07
Company: Seterus, Inc.
State: SC
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:
A company called Seterus, who I never paid any mortgage payments to, is reporting that in XXXX, 2016 I was 180 days behind on my mortgage. They report ND for two years prior to that, state that my account was transferred and that my credit limit was {$750.00}. None of this is true. Seterus has not responded to me, but provided this information to XXXX. I am trying to purchase a home, and this has reeked havoc on my ability to get a loan. I need this erroneous account removed from all three credit reporting agencies.

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 2022-08-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I settle my account Credit card Account with XXXX  XXXX. XXXX  XXXX sent me a letter stating that the account has been settled and no longer action will be taken. All credit companies were notified all credit companies removed The credit card account, but one refused to take it off after sending Equifax a copy of the XXXX  XXXX letter stating it had been settled and the Account is closed. They refused to take the account off stating it was up to there discretion went to take it off. Ive sent several letters and also contacted them by phone and theyre still refusing to remove it. This has been several months that this is been going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Bank of America Demand Letter Fraud By their client : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 

Please take notice that my funds were transferred through means of coercion and under false pretenses all along! 
Attached, please find supportive statements, screenshots, and further evidence.

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 2022-03-03
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
1. I was contacted by the debt collectors last year and was not notified that I can dispute the collections debt.

2. They keep calling me because I scheduled payment plans with them that I simply cant keep up with.

3. I havent been physically able to use these credit cards for 3 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: ERC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/2017 I contacted XXXX concerning a new service. I was told that I owed on an old account from another city from a couple years back. They said that it was no record showing I turned the box in. I turned it in when I shut the service off. So I was told that I owed XXXX. No collection agency or no calls prior to this had been made to me and I did not receive any notices to my current address prior to my calling. I paid XXXX on XXXX and I paid the remaining balance of XXXX on XXXX. I have my bank statement to prove these transactions. I recently checked my credit reports and I found a collection agency on my report by the name of ENHANCED RECOVERY COMPANY representing XXXX. It was reported to them by XXXX on XXXX. I do n't understand what is going on with XXXX. I paid this debt in full and it is saying I owe {$88.00} for what? I believe that these charges are fabricated to get more money from me and to ruin my credit even more. I do not currently have an open account with XXXX. Please help me. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-03-05
Company: Experian Information Solutions 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report.

Failure to do so is a violation of my rights.

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 2021-06-01
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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: EQUIFAX, INC.
State: MO
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:
XXXX XXXX falsely reported me to the all three credit bureaus during a disaster relief period and post disaster relief period. First in XX/XX/XXXX I requested an extension. I was granted a one month extension which ended up being a one month suppression of credit bureau reporting and payment due ( was not my understanding and I am in the XXXX ). After this was straightened out, I brought the account current at the end of last year. My XXXX payment was returned illegible. This illegible payment took three weeks to be returned to me, no phone call. XX/XX/XXXX, I make both payments as soon as I was notified. All payments for XX/XX/XXXXhave been made on time and verified by XXXX XXXX this morning, however, I have a letter and copy of the credit bureau showing they have reported me 30 days behind XXXX throughXX/XX/XXXX ( Completely incorrect ).

Company response to consumer: Closed with non-monetary relief