BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
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:
This is XXXX XXXX submitting yet another CFP Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$4600.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3500.00}

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 2022-08-27
Company: Open Dealer Exchange, LLC
State: AZ
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:
I have reached out to all of the following companies and XXXX by mail and by phone more than two times. I have fraud alerts on my accounts and I am supposed to be contacted before credit is approved to be pulled as a hard inquiry. I have fraudulent Hard Inquiries on my credit report and I would like them removed immediately so they do not continue to negatively impact my life. They are as follows - 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 XX/XX/XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX I have been impacted my identity theft and these erroneous inquires have been making it impossible to live my life with my family normally. We couldn't apply for anything that we actually need to. It is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The companies representative XXXX ( not sure of correct spelling ) contacted me today XX/XX/20 at XXXX XXXX  and I advised the representative that they had the wrong number ( A tactic of my own I employed to stop receiving calls 4-5 times a day ). The representative stated that this was highly unlikely and asked if I could confirm the last 4 of my social with him and I said no but he could verify the ones he has on file with me so I could confirm or deny and the representative gave out the last 4 of my social without verifying who he was speaking with and I think that is that is ridiculous. This was a complete and direct violation of my rights and privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I had my emails ( XXXX and XXXX ) taken over. I can not verify for ssa, fldeo, irs, or irs. 
I can not get a credit report as every time I try, my email gets hacked into. I DO NOT LIVE IN XXXX, XXXX  WITH XXXX XXXX ANYMORE. I never lived at the address listed on XXXX XXXX. I visited there and was not allowed to access the mail. 
When I finally realized all of this was going on, I have been unable to move forward with life due to these discrepencies. I can not open a bank account, someone tried to file my taxe, I am owed thousands of dollars by the IRS. 
Noone can help me and I don know what ele to do. 
I lost mz XXXX XXXX  license, access to XXXX XXXX XXXX   domain from XXXX is inaccesible. 
I apparentlz had XXXX in XXXX  name and various things were done in XXXX 
XXXX  XXXX, the database for the insurance producers has been modified. 
i had a new idenifiicaion here in XXXX but for some reason still register in 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 2020-02-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My original loan was with XXXX XXXX.It was sold/transferred to NewRez and that is when the troubles and communication went way out in terms of communication.You call and every effort to talk to a human is a headache.I called today XX/XX/2020 XXXX PST. Finally got a female and asked for a Supervisor.Then she became hesitant. I told her that I was calling about my Escrow charges as the addition of XXXX had been added to my account.The note was going from XXXX to XXXX per month.I would have rather been given the option to pay the difference in a lump some.She then said that they don't take calls only e-mail.I asked for the PMI Department and the response was pretty much the same.My home has gone up in value so I had already written to NewRez c/o XXXX XXXX XXXX, SC XXXXRequesting the PMI to be taken off my loan.She never was able to reach a supervisor meaning that nothing was accomplished.She stated that I would get a call back that never happened,

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 2020-02-17
Company: EQUIFAX, INC.
State: MI
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 requested the removal of the ( I ) -year Fraud Alert posted on XXXX XXXX, 2020 immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
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:
This is XXXX XXXX submitting yet another XXXX Complaint informing the Credit Reporting Agencies that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) The Credit Reporting Agencies are required to remove any account and information which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.Under the provisions of the FCRA section 605b, I need the following items deleted as soon as possible : XXXX XXXX CT XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2017-04-12
Company: Seterus, Inc.
State: IA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is a very easy correction to Seterus mis applied payments. All they have to do, is apply my payments for principle and interest to the amortization table. Since all payments were made on a timely basis, this is a no brainer. 
I thinks Seterus knows they are wrong. I have received XXXX XXXX for XX/XX/2016 as they are trying to correct the misapplication of my payments. This means any tax returns previously filed require amendments. They are waving a red flag to the Internal Revenue Service that my taxes have been misfiled. This has to be deliberate At least by attempting to correct their records, they acknowledge late fees should never have been assessed. They need to tell the credit agencies that my payment record is timely and never late. 

These people ca n't apply a payment correctly, manufacture fake fees, mis report to credit agencies, pay fake bills and ca n't correct their mistakes. 

They are incompetent and should not be allowed in business

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I drove by an ATM machine located outside Webster Bank in XXXX CT. I inserted the Webster 's ' Debit card and asked for {$200.00}. The ATM machine dispensed only {$120.00}. 
Immediately I went to the bank and dispute the transaction. After a week I receive a letter from Webster bank saying that after the bank audited the ATM machine it was found {$40.00} surplus and this amount was credited to my account. 
I called the bank several times and I was told that this was the final decision. 
Since the ATM machine seems to be malfunctioning that day, perhaps it dispensed {$40.00} more to someone else.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-11
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am an ongoing victim of I 'd theft and many different home addresses have been used to apply for credit and utilities. This outfit refuses to send proof of the debt along with the original file and my signature. If it is valid I would have no issue paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I called the Experian customer service number they told me that inquiries can not be removed off of my report I know that is not true I would like the name the telephone number and extension of the person they speak to And the reason why If not deleted here is a list of inquiries XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX 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 2022-08-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have a parent plus loan originally through XXXX XXXX and Navient took over my loan and they keep doing forbearance on them with is costing more in interest instead of giving me a repayment plan. XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
ATTN : Legal Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). To date, I have not received any documentation in compliance with this section. 
I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation and future credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue. 
It is my understanding that the FCRA 623 ( 8 ) ( E ) ( iii ) establishes a timeframe for these issues, and that section 621 of the FCRA supports my request in this matter. I have also requested the guidance and support of the Attorney General 's office. The items that appear on my credit report as : DIVERSIFIED CONSULTANTS Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have contacted Equifax several times to remove my fraudulent inquiry from XXXX. Still it is not removed and it has taken more than 30 days. I sent them dispute by certified mail and they received it on XX/XX/XXXX. I am attaching also a letter from creditor confirming that inquiry should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a Shop your Way sears/XXXX MasterCard in the mail that I never authorized or requested. I have called the number on the back of the card to report the fraud and tell them not to report this card on my credit 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 non-monetary relief
Consumer complaint received 2020-11-05
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On Friday afternoon XX/XX/2020, Citibank unexpectedly closed our two business account with {$130000.00} on deposit. We did nothing wrong. They closed the account without warning, discussion and reason. They told me that any funds would be available after 60 days. I don't understand why our funds are not available immediately. And what does after 60 days mean? Indefinitely? Upon reviewing their terms and conditions their paragraph discussing closing of account only states that upon closing any funds would be paid by bank check. Upon calling the number provided by Citibank letter, XXXX, option 7 we were met with a rude person who explained they would not release any money at this time and them proceeded to hang up the phone on me. Upon visiting the branch manager XXXX XXXX at XXXX XXXX XXXX XXXX she said she was unable to contact anyone and speaking with her was a dead end. So now we have no one to speak with and {$130000.00} on hold. This is creating a financial and legal hardship on us as our clients are waiting for their merchandise which is unavailable without the funds. This was explained to Citibank and was told they were hanging up the phone and the Branch Manager just threw up her arms as though she was surrendering. Please take action as this should never happen to anyone. Yet I am seeing this behavior as the usual course of action by banks. Our phone number is XXXX XXXX XXXX XXXX. Our email is : XXXX. Thank You

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: Viking Client Services
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am DISPUTING a collectioncharge. A collection agent from Viking, LLC continued to attempt collect a debt even AFTER I Told him that this was a charge in error & I had ALL the emails fromXXXX XXXX XXXX where they took off the charge because I should have never been charged. The Viking representative stated that he did not care about the email proof or that the debt that is NOT OWED. 

I rented a car at XXXX airport on XX/XX/ 2022 and returned the car, with a full tank of gas on XXXX at the XXXX airport. I got an email receipt & saw that I was charged for gas even though I returned the car with a full tank. I called & spoke with a representative at XXXX & she stated that the charge was taken off because she could see where it was an error. She sent me an updated receipt without the {$100.00} charge. 

A couple of days later, I saw that the charge was put back on my credit card. I called XXXX back, and the agent said that one department did not communicate with another department, but the charge should have never been put back & he took the charge off & sent me another email. 

Today I received a letter from Viking Client Services , LLC stating that this matter has gone to collections for {$100.00}. When I called and spoke to a very ignorant and rude individual, he stated that he " don't care & XXXX is gon na get its money ''. I asked the Viking Rep what I needed to send him & what he needed to see to prove this debt was a charge in error & It was taken off by XXXX. He yelled at me that he did not have to see anything because all I had to do was pay the money. 

Today, I again spoke with a XXXX representative who stated she did not know why this matter went to collection & she does not know what to do. After having spent 60 mins waiting to speak to the representative that did not know what to do, she disconnected my call. 

I do not want this on my credit report & the Viking debt collector does not care that I do not owe this money. I am not paying something that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: Synovus Bank
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: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX a collection from 1st progress/XXXX XXXX appeared on my credit report dated XX/XX/XXXX. I disputed the item because I had no knowledge of the account. The account was then updated to paid/closed. Last year XXXX and 1st Progress started to report the account as delinquent and each month since then the account is reporting charge-offs even though the account says paid/closed. I tried to dispute the account again as it is almost 8 years old, but XXXX will not allow me to stating it was disputed in XX/XX/XXXX. They have now updated the account to show 64-charge-offs since XX/XX/XXXX and it has drastically reduced my credit. I went from a good score to poor because of this account. I have no way of disputing it and the account is well past the time allowed to remain on my credit profile. XXXX is the only credit report showing this unknown debt and each month reports it as a past-due payment.

Company response to consumer: Closed with explanation