BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: OH
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:
It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX XXXX Balance : {$670.00} ; XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$720.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research accounts I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.

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 2022-07-22
Company: EQUIFAX, INC.
State: OH
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'm XXXX XXXX XXXX, and I appreciate your taking the time to repair some accounts pieces of information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove accounts that do not belong to me from 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 explanation
Consumer complaint received 2016-06-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America Home Loans has not released a XXXX mortgage lien ( Town of XXXX, Connecticut - Volume XXXX / Page XXXX ) despite account being closed since 2006. Repeated attempts by me to work directly with BofA, in its various incarnations, via mail and phone have been fruitless. If I do receive response from them, it is only in the form of a standard letter saying the matter is being researched, but this has been the case for years now with no resolution. 

In compiling information for this Complaint, I am noticing Servicing Rights were sold to Bank of America on XXXX/XXXX/06 under a/c # XXXX. Somewhere along the way, without notice to me, Bank of America Home Loans seems to have stepped in using a/c # XXXX. That in itself is strange too. Is that legal? 

Account is being reported as 'paid satisfactorily ' and 'closed ' to XXXX and XXXX, respectively. 

Please help me get this matter resolved and the erroneous lien removed from the land records. 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 2022-07-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX  XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$950.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance XXXX {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: AZ
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:
I have been attempting to lower my repayment amount or get it deferred through the Navient website since XX/XX/XXXX but it was denied by them. When I asked they said that I needed to be working 30 hours a week in order to qualify for any of the programs. I submitted the paperwork showing I was working 30 hours a week but then never heard back from them. I did n't want to ruin my credit so I made three months of full payments but considering this three months was about 10 % of my income for the year ( {$1000.00} when I made about {$XXXX} ) I found this to be especially burdensome. I found out today none of that was true and I should have been filing under the FSA which Navient never told me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 recently pulled by credit report and notices credit inquires that i do not recognize, unauthorized and NOT mine. i must have been the victim in a cyber hack or identity theft.

these non-account holding inquires with : XXXX XXXX  card, bank of america XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX- XXXX XXXX-XXXX XXXX XXXX. Are NOT mine, i do not recognize and did not authorized. these inquires are fraudulent. to my knowledge, i have not signed any documents authorizing your organization to view my credit history, your inquiry into my credit reports violates the ( FRCA ) sec, 1681b ( c ) : transactions NOT initiated by consumer.

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 2019-12-19
Company: EQUIFAX, INC.
State: AR
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:
Equifax will not remove paid collections from credit report even though XXXX has already done so. I have a letter from the collection agency " pay to delete '' stating that they have submitted my collections to be removed from all three credit reporting agency since they are all XXXX balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Disputed account and they have not removed it

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 2017-02-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America broke the rules. Bank of America has defrauded me and the bona fide purchasers of my home and real property. 

In the Bank of America letter of XX/XX/XXXX issued through their legal counsel, Bank of America represents and claims I was denied MHA HAMP and a MHA HAMP TPP on appeal in XX/XX/XXXX and XX/XX/XXXX based on th initial review of RMA applications. The referenced Bank of America XXXX letters are NOT denial decisions on appeal. The referenced Bank of America XXXX leters are, in fact, the required written resolution letters on lodged escalated cases. The XX/XX/XXXX response was issued in resolution of the XX/XX/XXXX CFPB case number XXXX detailing actions taken on the account to date at that time and is not a decision on appeal. When Bank of America represents to me this CFPB response is a determination on appeal, they are making a misrepresentation on a mortgage, Deed of Trust, and real property. The XX/XX/XXXX response was issued in resolution of an in-house esalated case and complaint detailing actions taken on the account to date at that time and is not a decision on appeal. 

Bank of America has a whole department staffed with qualified personnel whose sole purpose is to conduct reviews on timely requested appeals. Even Bank of America 's legal counsel ca n't tell the difference between ( and is unfamiliar with what is ) a SPOC/CRM issued correspondence and what that represents, what is a boiler plate template piece of correspondence generated through an automated system by document processing personnel, and what is a denial letter on appeal. It is costly and unfortunate Bank of America is allowing their legal counsel to be so mislead and, therefore, allowed to make misrepresentations to me. 

Whenever an appeal review is conducted, an Appeal Report is generated by the Appeals Specialist who conducted the review detailing their findings and determination on appeal. To date, Bank of America has produced only one ( 1 ) such document evidencing an appeal was actually conducted. 

I am the only constant player in this whole ordeal. No one knows better than I the who, the what, the how, and the why of what went down from start to finish during and throughout the loss mitigation processes. I have told the whole of it within XXXX Bank of America CFPB complaints ( XXXX if you count the one I lodged against XXXX as a debt collector ). 

All previously mentioned resolutions are desired and mandatory and are to include every single Appeal Report generated associated with this account to date evidencing an appeal review was, in fact, conducted and completed.

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 2019-12-19
Company: Experian Information Solutions Inc.
State: TX
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 was unable to request a security freeze with Experian. XXXX and XXXX  were easily able to fulfill my requests.

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 2019-12-19
Company: General Service Bureau, Inc.
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted General Services Bureau on XX/XX/2019 concerning a medical debt that I had been paying off. I called to confirm the amount owed on the debt. While on the call I was notified that there was another medical debt that the company had on filed that remain unpaid. I was unaware of this debt and have not been provided any notification regarding this debt. The customer service contact provided me some basic information and it was at this time that I requested more details to verify the debt owed. I informed the customer service agent that I currently reside outside of the U.S. and was informed that they couldn't send mail outside the U.S. I then requested for the information to be emailed to me which I was told that the company does not send emails or faxes. I requested to speak with a supervisor. I was transferred to a supervisor by the name of XXXX. I informed XXXX that I was unaware of this debt, that I was disputing the debt, and that I was requesting additional information. XXXX informed that they couldn't provide me any information to an international address. I informed XXXX that under FDCPA I have a right to request this information. He indicated that the FDCPA doesn't mandate that they send to international addresses. I asked him what I was supposed to do since they won't send it to me by mail or email. He said they couldn't send it to me because FDCPA isn't the only rule they have to abide by. They also have to follow HIPPA regulations. I informed XXXX that HIPPA regulations do not prevent the use of email and this was a company policy direction by General Services Bureau. XXXX refused to work with me and the call was abruptly ended.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last year, I have been making multiple additional principal payments to my Carrington Mortgage Account which are then being misapplied by Carrington Mortgage as monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 was surprised when I saw my Credit File reporting accounts t hat I never knew or heard of. Upon further inspection, I realized that these accounts are fraudulent information reporting on my Credit report. I am now submitting this complaint today to inform the Credit Bureaus that I was a victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX : {$2400.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX Balance : {$510.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX. ) XXXX Balance : {$2300.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) XXXX XXXX : {$710.00} Date Opened : XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

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 2019-12-19
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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$4700.00}, {$5500.00}, {$1200.00}, {$1000.00}, {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5500.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not 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 2016-02-24
Company: Delta Management Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I made a phone call to Delta Management Associates to inquire about the status of a loan rehabilitation application. The call was placed on XXXX XXXX at XXXX. While I was trying to obtain information, the Delta representative I was speaking to, a male with a southern accent, muffled the phone and started making jokes and laughing with a colleague. Based on the flow of the conversation, it can be safely assumed that he was making fun of the issues brought up during my call which constitutes abusive behavior and language. Abusive language does not need to limit itself to obscene language - it can also apply to tactics made to mock, diminish or otherwise ridicule a consumer. I felt ridiculed and his behavior was highly inappropriate. I requested to speak to another customer service representative and was transferred over to XXXX XXXX, who handled herself in a more professional fashion. This representative 's behavior was unacceptable and needs to be addressed promptly.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have called and spoken to numerous people as well as sent several certified letters. The response is the same that the bankruptcy was verified through XXXX XXXX. The agency has not verified through XXXX XXXX because they have been suppressed. How are they continuously sending back verification via 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 2017-08-16
Company: Midwest Recovery Systems
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:
Midwest Recovery Systems opened a collections account on my credit reports on XXXX XXXX, 2017. The only reason I know this is because I have a XXXX XXXX account. ( I dont recall getting anything in the mail from them. ) And I know I received no phone call from them. I worked diligently to clear ... ALL COLLECTIONS from my credit reports. Then Midwest Recovery has come along to make this achievement short-lived. The original creditor listed is XXXX XXXX. There is an issue with this listing. I tried to XXXX XXXX XXXX and found NOTHING. This is an illegal trade on my file. I am supposed to be informed per the FCRA before any trade is listed on my file. This is illegal and infringes on my rights! I recieved no documentation of this alleged debt. I have no contractual agreement with Midwest. I ca n't any information about this false debt. This fraudulent charge is hurting my credit report.

Company response to consumer: Closed with explanation