BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts. This is a 3rd request. Please remove them from my credit profile. 002 Belongs to another individual with same/similar name.

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 2021-01-12
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
My identity was used by someone else to open a fraudulent account. This has resulted in the following : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the fraudulent information above removed from my credit reports. I have reached out to the bureaus documentation supporting my claims but the credit bureaus are still reporting the above items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a XXXX int from U.S. Bank for XXXX. I do not have a interest beaRING account with this bank. Neither have I ever. I had a mortgage loan with them in which I sold the property in XX/XX/2015. Mortgage account XXXX was closed in court on XX/XX/2015. I have never any account other than a mortgage. This XXXX XXXX is for interest income. I '' ve tried calling to no avail. I am XXXX.. I do not want to have to pay somebody to do taxes because the IRS didnt get the XXXX dollars they are owed on this money. I did n't receive it I not paying taxes on it. If I have to I will report to the IRS but under fraud. Because any fool knows you would not get a XXXX int on a mortgage. Maybe a XXXX but not a 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 2015-08-24
Company: U.S. BANCORP
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
I had a line of credit with this company and went to close the account about XXXX months ago at the branch I applied for the credit at. I had a balance of about {$5.00} at the time due to a previous bank error with a different bank. I wanted to pay the deficient balance but wass told not to worry about it. I was told they would wave this fee and that my account would be closed. Today I received a letter in the mail advising me my account was over XXXX days past due. I called the XXXX number listed and was informed that the local branches can not close the account and that there was no attempt to credit my account the deficient balance as previously stated. I was not informed of this at the branch I went to. I did not even receive any phone calls or any other letters at any point to inform me my account was approaching XXXX days past due.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-27
Company: U.S. BANCORP
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX, I order XXXX Vitamins via their website and selected " Rush Trial ''. After which the website added several additional products, XXXX and XXXX XXXX, to the order that I did not intend to order nor did I want. I immediately called the number listed on the website and cancelled the entire order. The customer service representative assured me the order was cancelled. However, I received a shipment of items from the company via mail. I refused the shipment and it was returned to the original sender. I was never issued credit for the XXXX items. I then filed a dispute case with my credit card issuer. The card issuer, US Banc Corp, issued provisional credit on XXXX/XXXX/XXXX. However on XXXX/XXXX/XXXX, the provisional credit was reversed and they indicated that the shipment was never returned nor was it cancelled. The history of the tracking number clearly indicates that the original sender received the item back and that the items were indeed refused.

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 monetary relief
Consumer complaint received 2016-12-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX MORTGAGE XXXX This account was NOT A FORECLOSURE! This account was " Settled for less than full balance ''. 
REMOVE ALL FORECLOSURE VERBIAGE OFF MY CREDIT FILE AS THIS WAS NOT A FORECLOSURE OR DELETE THIS ACCOUNT OFF MY CREDIT FILE IMMEDIATELY!! 

Please see supporting Notice of Rescission documentation attached.

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 2022-10-13
Company: EQUIFAX, 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 received your response XXXX XX/XX/XXXX that you need my updated email address which is ( XXXX ). I sent a complaint on XX/XX/XXXX to remove the following items : that are XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint. I am including it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm filing a complaint because TransUnion is damaging my buying power and my character. I have exhausted all of my options on getting matters escalated directly with them but yet they have ignored. Today was my final attempt after being on a phone call XXXX hour XXXX minute with no solution to the issue. My Information has been compromised and there has few accounts opened in my name without my authority. I have contact original creditor and they have agreed and close out the account however it's reporting due Transunion negligence. On XX/XX/XXXX I sent out proper documents and XX/XX/XXXX I sent out XXXX  fraud XXXX. XXXX has removed accounts for my credit report on XX/XX/XXXX and XXXX of XXXX and XXXX have removed accounts on my credit report XX/XX/XXXX. Admission is to deletion, the other credit bureaus have removed it then Trans Union should remove it especially because it's a fraudulent account. I have submitted all the proper documentations to them via certified mail which include my identity theft report as well as a dispute letter and out of my proper identification. Transunion has failed numerous of times and has violate my privacy as a consumer. The credit bureaus must report accuracy on my credit report and all accounts should have been properly verified before insertion.You have violated my federally protected consumer rights. Under 15 USC 1681e ( B ) you did not report my consumer report with accuracy. Transunion also violated 15 USC 1681 ( A ) ( 4 ) because you DID NOT report my consumer report with fairness, impartiality, and respect. In fact, you were biased with the instructions that I gave you and decided to do things your way by bullying me and forcing me to accept what you deem verified. I've been told numerous of guys from the Credit representative and they have failed to do any type of proper verification or to acknowledge my documents that were sent. There's also numerous address on my credit report that does not belong to me. During YOUR investigation period, Transunion REMOVED THESE ITEMS WITHIN 4 DAYS ACCORDING TO 15 USC 1681c-2 ( A ), WHICH YOU VIOLATED. This issue is considered negligence and aggravated identity theft. Keep in mind, I called several times and ask to speak to an executive supervisor in the consumer affairs department but I was also told thy can't and will not help. I'm beyond upset. The names the credit accounts are XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XXXX XXXX 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 2016-12-19
Company: Access Credit Management, Inc.
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an OPEN account ) and negatively affecting me. XXXX. This information was also shared illegally ( third party ) without my informed consent. XXXX. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: EQUIFAX, INC.
State: IN
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:
What affected my getting a refinance loan stated these items : Too many finance company accounts, Insufficient or lack bank account information, Recent delinquent remitted on accounts, Too many delinquent accounts! NONE OF THIS IS TRUE I ONLY OWE ON TWO ACCOUNTS! XXXX XXXX XXXX XXXX and XXXX and they are not delinquent!! Please correct these factors and send me a copy of my credit report please. The report was from Equifax Credit Information services. Credit was checked by XXXX XXXX on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. 

I informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. 

I am filing this complaint to follow through with my stated action I would take against them for violating this law.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: PLAZA HOME MORTGAGE, INC.
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XX/XX/XXXX I contacted Plaza Home Mortgage to ask for a payment deferral as I had lost my job. Plaza indicated that payment deferral was a loss mitigation option that they offered. On XXXX/XXXX/16 I submitted a loss mitigation application which kicked off a 1 & 1/2 month vortex of Plaza claiming I did not send them various documents and me trying to get them what they needed. It was so frustrating that I filed a CFPB complaint XX/XX/XXXX because it appeared that XXXX was either very incompetent or just giving me the runaround. Nothing became of that CFPB complaint. Finally, on XXXX XXXX I was notified that my file was complete and submitted for review. On XXXX XXXX, I was notified that our loan was selected for servicing transfer and that we would need to contact the new servicer for any information. We contacted the new servicer and they stated that : 1 ) Payment deferral is not an option 2 ) They do not have all of our documentation transferred from Plaza. 
I find it highly suspect that within a week of my file being deemed complete that I get transferred to another servicer who does not offer the loss mitigation solution that we had been assured was an option. I also find it infuriating that they do not have all of our documentation. Finally, I find it very suspect that my loan got transferred after I filed a CFPB complaint against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I was recently reading the NAVIENT complaints online and this too has happened to me. I tried to get help from them directly, with no resolution and therefore went to a XXXX company called XXXX and they have charged me an outrageous price to get started and then I 'm getting calls saying that NAVIENT is not receiving the payments when I no longer deal with them directly. I just want to know if I 'm getting any results or if my money is being taken every month and I 'm getting nothing in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I submitted a dispute XXXX/XXXX/16 and requesting information on ym report be validated with my original signature on documents and they failed to comply with my request so I sent a second dispute on XXXX/XXXX/16 and Experian sent me a stall letter stating that they have previously investigated my dispute and will not reinvestigate my dispute. I want all information that can not be verified or validated to be deleted off of 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 2015-07-31
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 I applied for the US Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was instantly approved. I was charged the annual fee of {$75.00} soon after. At the beginning of XXXX, US Bank announced that as of XXXX XXXX the Bonus Award Nights feature would be gone. This kind of devalued the program by a half. 

Planning for a trip to XXXX in XXXX I decided to go for another US Bank Club Carlson Premier Rewards Visa Signature Card in order to get enough points before the Bonus Award Nights benefit was discontinued. I applied for the new card on XX/XX/2015. The application was then under review. 

I called the reconsideration line the next week. The agent said my application was turned down and all of my XXXX existing US Bank credit cards were closed as well. I tried to reason with him. He gave me a number of the security department or something to call. The XXXX agent rejected my appeal as well despite the fact that I have a clean credit report and I had been a customer of US Bank for a year. The reason she gave was that I had too many newly open credit lines and they thought I am too risky of a customer. 

I can not accept arbitration like this. If they thought I am too risky as a customer, why did they approve me in the first place? How could the rejection of a new application lead to the closure of all existing cards? The fact is I had a new charge card in XXXX and XXXX new credit cards in XXXX including XXXX US Bank credit cards ( more can be said about this ). All the other banks are fine with it since I always make payments on time. 

What I try to argue is that US Bank can not take my annual fee and then remove the card benefits that were promised upon approval soon after. Besides they can not close all my cards for arbitrary reasons two months after they take my annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-13
Company: EQUIFAX, 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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I dont know where to put myself in this situation thats taking place at the moment. I thought that Credit Bureaus are set to comply with the FCRA laws. But based on what I see, it seems that they dont have any fear of neglecting this kind of complaint. Pursuant to section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt. I have sent tons of dispute letters and complaints alongside my FTC report but you there at Equifax are so firm with what youre doing ; thats disregarding my complaint. Is it that hard to understand where Im coming from? Common! This is not rocket science! Please comply with the law and DELETE the account right away. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: LEXISNEXIS
State: MS
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:
Some body try to rent an apartment in my name in Louisiana, I found that in a credit card charge, when I realize that I started to check my credit and to my surprise there were numerous accounts in my name .These fraudulent accounts are causing me to pay high interest an a lot of credit rejections, I need to remove these fraudulent accounts from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: ALLY FINANCIAL INC.
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I have a auto loan with Ally bank. One month I missed my payment date. Every day after the due date, they called myself and my XXXX XXXX XXXX father in excess of 20 times a day. From XXXX until XXXX seven days a week. The calls looking for payments did not stop even after the payment posted to the account for five days. Their " customer service '' reps would say they would note our account to stop the calls, yet they continued.

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 2016-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a HELOC that expired on XXXX XXXX of this year. Before that I tried to refinance it, but we did not qualify. Immediately after hearing that, I contacted Bank of America to modify it, and that date was XXXX XXXX. I was told I would be contacted within three to five business days. No one contacted me. I made a few calls and was told this gentlemen was in charge and he would call. He called at the end of the month. I immediately submitted all forms needed and he would then set up appointment times, but would not call for those appointments. He would not call at all or call that day at a completely different time. Apparently he could not get in his head that I am in CA and he is in FL and there is a XXXX hour time difference. Anyway, after all of this I also called his supervisor and left messages ( XXXX ) for her, with no return calls. The last time he was supposed to call me he did not, so I called and got someone else. This was the week of XXXX XXXX I believe. She told me that I was denied the modification because they were looking at the interest only payment and not the new payment which would include the principal ... ..in other words, the payment went up from {$280.00} to now $ XXXX. I am XXXX and live with my boyfriend. I can not afford these payments, and they know this. I have now been told to appeal this decision, after a conversation with a very rude person in that department. This is all so totally unacceptable and I feel it should be reported.

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 2021-01-12
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: Investigation took more than 30 days

Complaint:
I have disputed these accounts several times that have affected my credit and they do not give me an answer.

Company response to consumer: Closed with explanation