BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-13
Company: Experian Information Solutions 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:
This is my multiple attempt to tell you that I am a victim of identity theft and I complaint to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the not worthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX WY XXXX, IN XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX DOE XXXX Balance : {$0.00} DOE XXXX XXXX Balance : $ XXXXDOE XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2018-10-12
Company: FAIR COLLECTIONS & OUTSOURCING, 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: Account status incorrect

Complaint:
I opened a dispute with XXXX 3 different times, the most recent being on XX/XX/XXXX. I specifically told them I had documentation showing that I should have never been reported to Fair Collection and Outsourcing. However, even before XXXX or the collection agency had a chance to look at it, XXXX   would close the dispute stating that nothing had changed. 

The written agreement ( which I will attach ) between myself and XXXX XXXX XXXX stated that I could break my lease on XX/XX/XXXX as long as I was out by the XX/XX/XXXX and I was not getting my security deposit back. 

I was not getting evicted and I was not supposed to get charged any other expenses. 

This needs to get resolved as it is affecting everything in my life.

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 2023-10-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter to remove items that are UNKNOWN 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 any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$680.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Balance : {$680.00} ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX  XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : 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 Inquiry : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : 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 2021-01-08
Company: Flagstar Bank, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, my mortgage bank Flagstar Bank, deducted {$4000.00} from my escrow account to pay for the property taxes for my house. When I was checking this later in XXXX at the County 's website, I noticed the property tax had not been paid by Flagstar. I called Flagstar about this and I was also told to call XXXX XXXX about this. XXXX XXXX is Flagstar 's vendor that transfer the payments to the County. Flagstar told me they deducted the money from my escrow account and sent it to XXXX XXXX and XXXX XXXX is responsible in paying the property tax. Since Flagstars has many escrow accounts for all their loans, they will send the money to XXXX XXXX in a huge bulk sum ( for this instance they mention the amount was over {$1.00} XXXX ). When I called XXXX XXXX, they tell me they never received the money from Flagstar for my property. I have been calling both Flagstar and XXXX XXXX since mid XXXX and both sides keep telling me that they are still researching it. This is very concerning as money has been deducted and it seems both parties do not know where the money went. 

I also would like to add a note, I forgot that I had this escrow service set up. So I actually paid the property tax on my own by accident. I have the receipt of the tax payment from the County that I did on my own. So I believe this could not have been a mix up by the County. I also called the County and they verified they received the payment that I sent myself on XX/XX/2020.

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 2023-11-06
Company: EdFinancial Services
State: VA
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 attempted to enroll in auto-pay multiple times via EdFinancial 's online portal and received emails from EdFinancial confirming this ( XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023 ), but my loans are still not enrolled in auto-pay. 

In an attempt to resolve this, on XX/XX/2023 I submitted a contact form on EdFinancial 's website ( XXXX XXXX XXXX  ) and emailed them at XXXX. 

In my message, I explained that I wanted auto-pay enabled, but was running into issues using the online portal. I specified the loans, the amount I want to auto-pay for each loan, and the last 4 digits of the bank account I have on file that I'd like auto-pay to draw from. In my request, I asked them to confirm receipt of my message, as well as confirm when my loans have successfully been enrolled in auto-pay and I am receiving the 0.25 % discount on my loan interest. 

Additionally, I asked stated that if I did not hear from them in 10 business days that I would file a complaint with the CFPB. 

Those 10 business days have passed and I am submitting this complaint for CFPB review. 

I did receive an email from EdFinancial on XX/XX/2023, but that was in response to a different message I sent on XX/XX/2023, to which I followed up to that message with all the information I provided in my message sent on XX/XX/2023, but have not heard back from that reply.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have had an account with Bank of America since XX/XX/XXXX ( XXXX, Florida ). In the past few months I have experience a number of difficulties with them involving XXXX day delays in failing to take action on items requested. The latest one involves a payment to XXXX XXXX XXXX I tried to make in the amount of {$20000.00} on Monday, XXXX XX/XX/XXXX. Bank of America instructed me they would not be able to make this payment ( my account had MORE then the necessary funds to make it ) until Friday, XXXX XX/XX/XXXX. 
Friday, XXXX XX/XX/XXXX, has come & XXXX is here. Bank of America has failed to make the {$20000.00}. payment although my account is at $ XXXX and there are no outstanding checks being held against it. I have tried to contact Bank of America thru eMail, telephone & thru their website. All attempts have been fruitless. This is another complaint I have against Bank of America. They are extremely difficult to contact. Even when FAXING THEM, it appears they either disregard the fax or never acknowledge getting it, even though my fax machine tells me the transmission was " OK ''. I want Bank of America to become more responsive to my requests and provide me an explanation of WHY they did not make that payment I scheduled to 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 monetary relief
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: TN
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:
15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

THERE ARE TWO ACCOUNTS ON MY REPORT IN WHICH SHOULD NOT BE THERE. 
- XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 XXXX XXXX XXXX XXXX WHICH WAS LAST REPORTED XX/XX/2021 BOTH ACCOUNTS ARE CLOSED BUT SHOUD NOT BE 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 explanation
Consumer complaint received 2023-11-05
Company: EdFinancial Services
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My MOHELA outstanding balance was XXXX, but the 2 credit agencies, XXXX XXXX XXXX failed to update my credit despite of numerous disputes. I contacted the EDFINANCIAL but they have no more record regarding my student loan balance because I was given forgiveness on my loan from MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: IL
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've just received my credit report and noticed unauthorized items that shouldnt be report to my credit profile. These have been rought times during the pandemic and its not fair the way my information was compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-20
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: Old information reappears or never goes away

Complaint:
I sent a letter to all three bureaus basically saying my new information is on this letter anything else on my report besides whats on the letter is incorrect. With that being said they reported back with the same information that I wanted deleted. Letters was sent out XX/XX/2021 which its late and no response from them. Got a letter from transunion XX/XX/2021 which is still inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: The Receivable Management Services LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This happen in XXXX, 2018 not sure what day but I got charged {$260.00} on my debit card, dont know who did it but I called XXXX they couldnt help me so I called my bank and tried cancelled the payment and I replaced my debit card for security reasons, chase refunded me the money but now the 3rd party is trying to charge me ...

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 2022-11-28
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  accounts listed below has violated my civil rights : XXXX ) XXXX Card Date opened : XX/XX/XXXX XXXX ) XXXX XXXX  XXXX Date opened XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX Date Opened : XX/XX/XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681section 602 A. States that I have the right to privacy. 

15 U.S.C 1681section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2021-01-08
Company: DISCOVER BANK
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX entered into a consumer transaction with Discover. There was a Finance Charge included in this transaction. Discover violated my consumer rights by coercing me into making cash payments when the Finance Charge is the sum of all charges. Discover did not disclose my right to rescind. This is a violation of my Federal Consumer Rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV FUNDING purchased an acct from XXXX XXXX XXXX  acct # XXXX on XX/XX/17 listed on my credit report as a c/o for {$360.00} However, the XXXX XXXX XXXX  acct was paid in full via money order for the balance {$300.00}. That money order was cashed on XX/XX/17 by XXXX XXXX XXXX  and charged off in error. The original creditor XXXX XXXX XXXX   deleted all reportings from all 3 credit bureaus due to the acct being c/o in error. Despite the original creditor rectifying the situation, LVNV Funding is still reporting this debt as owed and valid although it was illegally sold to them. They are also conatcting me repeatedly attempting to collect on a debt that was paid in full and removed from my credit report from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX 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 explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurateXXXX Also they aren't even in compliance with metro 2 credit reporting. I h ave evidence to prove my case

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 2022-04-26
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 concerned as to why I have previously filed a identity theft report for some fraudulent information on my file and the company did not do anything about it. 
I have filed the FTC identity theft report as required by FCRA [ Fair Credit Reporting Act ], and have provided my identification, made it clear as to what information resulted from the identity theft and provided a statement from myself as the consumer involved. I sent the documentation via priority express and received a return receipt however, the agent states that they do not see anything that I sent in. The agent stated that when this information is submitted ( FTC report or police report ) the information will be removed without any questions. 
I am sending the information via this portal so that I KNOW and have third party proof they received the documents since I keep having this error. 
I have submitted an online dispute and it did not let me add the documentation like the agent stated. The reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After reviewing my recent credit Reports XX/XX/2022 ; I noticed for the third time deficiencies of reporting and inaccurate information on Transunion credit report in violation of Fair Credit Reporting Act Section 611 ( 15 USC 1681 I ) 15 USC 1681 section 602 A, Section 604 A Section 2, 15 USC 1681c ( a ) ( 5 ) and 15 USC 1681s 2 ( A ) ( 1 ). DUE TO THE FACT Transunion fails to keep 100 % ACCURATE information and proof of verifiable and true reporting. Moreover I recently contacted the United States Bankruptcy Court and XXXX ( Please see attached proof of certified mailing ) ; Transunion still reports false and inaccurate information on my credit report. The court and XXXX National Credit File Reporting Agency DENIES Transunion 's " verified as accurate '' Report # XXXX recent report. I am still waiting for Transunion to give full disclosure about their purported " investigations ''.

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 2022-04-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XX/XX/2021 i asked my lease company for a deferment they granted it said once I pay them {$360.00} the two payments i couldnt make would go to the end of the lease. On XX/XX/2021 i made the {$360.00} payment over the phone with a representative to start the deferment & Ive been up to date since even pay extra sometimes. I get a default letter in the mail I call XXXX XXXX XXXX they state i never made the {$360.00} payment I then brought up the bank statement told exact date & payment she then found it & stated the representative accidentally made the payment towards a month payment instead of the deferment so when i made my next monthly payment it went to the deferment & not my monthly payment causing me to be behind & report to my credit that i wasnt making on time payments they apologized & assured me they would fix the payments & take the negative credit report away now as Im typing this this is my second time on hold today for over an hour. They wont take my calls or call me back to fix the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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:
Wallet Stolen XX/XX/2019 resulting in fraudulent lines of credit being opened using my information.

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