BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-27
Company: Bread Financial Holdings, Inc.
State: UT
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:
XXXX is incorrectly reporting this closed credit card info. They show a payment history and updated information where there is none. The card has been closed for years with no activity at all! They show no information that's accurate. So for their error they decided to update the account to their specifications avoiding the legal ramifications associated with falsely placing information on credit reports per the FCRA! None of the info they show is accurate and the dispute is a mute point!! They never corrected information even after I demanded they do so!!! I'm including Comenity Bank in this complaint to correct the information since XXXX can't seem to figure out anything or how to do anything right. My dispute is with XXXX for always reporting inaccurate information on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Sequium Asset Solutions, LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to SEQUIUM ASSET SOLUTIONS. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I contacted Navient regarding the lawsuits and my private loan forgiveness. I attended a listed school within the time frame and met the qualifications for forgiveness as I read and understood them. When I spoke to a representative they said they had no information in my file regarding the forgiveness or lawsuits. I received the initial postcard that was send confirmation I qualified and made sure my information was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 ordered a copy of my report in XXXX and creditkarma and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date,, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$2000.00} DEPT OF EDUCATION/XXXX  XXXX Date Opened XX/XX/XXXX Balance {$6500.00} DEPT OF EDUCATION/XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$3600.00} DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XX/XX/XXXX Balance {$790.00} DEPT OF EDUCATIONXXXX XXXX Date Opened XX/XX/XXXX Balance {$1400.00} DEPT

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 2023-04-24
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am hereby notifying you that neither on that those dates or dates similar, did I authorize any individual from the above listed companies to pull or review my Consumer Report. Additionally, having understood this is a violation of 15 USC 1681 ( B ) ( C ), both together and separately, my consumer and privacy rights are being violated. I would like for you to please remove these items from my consumer repor.As of XXXX XXXX I still have fraudulent inquiries reporting to my credit file. I have contacted below companies and are seeking a fast remedy of removing these fraudulent inquiries. Equifax-XXXX  XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXXXXXX 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 Inquiry date XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your help to REMOVE some accounts from my credit file that occurred because of a FRAUD yet I have certain accounts passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my objective and they are eager to consider you responsible for your negligence. 
XXXX XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX : {$12000.00}

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 2023-01-25
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I contacted my loan provider ( Aidvantage ) on XX/XX/XXXX about my refund for payments made during the relief period in the amount of {$5300.00}. On this day, the processed my refund request and it has since been approved ( with the {$5300.00} now reflecting on my account balance ). I was supposed to receive a check within XXXX weeks but it's been over that time frame so I contacted the XXXX Treasury office today ( XX/XX/XXXX ) - they told me they have issued a check via direct deposit for {$0.00} and have no record of owing me the {$5300.00}. Can we please see what's going on with my refund and provide me with a new XXXX since the original time frame has already passed? 

Let me know what other information is needed from me. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: ADIR INTERNATIONAL LLC
State: CA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on CURACAO ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 appears that my credit file has been endangered. Again, I was going through my records & noticed many items which do not belong to me. I research, and I found that under section 605b of the FCRA Credit bureaus are required by law to remove any items which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX Balance- ; XXXX XXXX Balance ; XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$130.00} If XXXX, XXXX, and TransUnion feel there is a possibility these itemsbelong to me I will require all documentation that bears my signature ( another research item I found that requires to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If do not provide any records & claim the item is 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 swiftly.

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 2023-01-11
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i have been called 20 times by this company in the last 10 days ( XX/XX/2023 - XX/XX/2023 ) including late calls. I have ask them to stop calling so much as i am at work or trying to get my child to sleep at night. 

the representative that i spoke with just laughed and said yea sorry about that. 

the calls continue everyday, multiple times a day. Ive never agreed to do business with this company. This is an account that was sold from another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX data breach/identity theft and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to change an autopayment selection from my mortgage lender Select Portfolio Servicing , Inc. which I'll refer to subsequently as SPS. My attempt was made on XXXX XX/XX/2023 to prevent an automated payment on XXXX XX/XX/2023. SPS refused to honor this request so the payment request will fail costing me additional charges from both SPS and XXXX XXXX XXXXXXXX. 

SPS claims they need 48 hours to modify autopayment options, but there was no information provided to the consumer regarding this requirement until an attempt was made to cancel the autopayment. 

It should be noted that this payment is not due until XXXX XX/XX/2023 and the consumer plans to pay this from another account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2022-07-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
on XX/XX/2022 I sent a letter regarding my inaccurate and unknown things on my credit report. This is a violation under the Fair Credit Reporting Act Section 621 ( a ) ( 2 ) ( duty to correct and update information ) I demand these accounts to be deleted immediately or i will seek litigation. remove all Fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax data breach/identity theft and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: AL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-06
Company: Mobiloans, LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I granted MOBILOANS the right to provide me an extension of my credit from my open-end consumer credit plan pursuant to 15 USC 1602 ( j ). However MOBILOANS furnished deceptive forms to deceive me into believing they provided me credit on their behalf. It is a fact, I am the original creditor and MOBILOANS has been fraudulently collecting payment from me in regards to the extension of this credit as well as other charges and fees. MOBILOANS also frequently computed " finance charges ''. I have disputed this account from my XXXX consumer report on multiple occasions because I never gave XXXX or MOBILOANS direct consent to furnish this information. No direct consent is identity theft! On XX/XX/XXXX I served MOBILOANS with a cease and desist and requested that they provide me with the valid documentary evidence for verification of the alleged debt they are attempting to collect. I received a vague response from MOBILOANS stating that the Fair Debt Collection Practices Act does not apply to MOBILOANS - see Exhibit A. I am demanding that they provide the law that exempts them from following federal law. The documents provided to me by MOBILOANS clearly states TRUTH IN LENDING DISCLOSURES- so MOBILOANS is willfully and knowingly committing fraud because this information is public and they are governed by these regulations! They have also been harassing me by communicating indirectly to XXXX and publishing information that is harmful and defamation of my character! It is a fact, MOBILOANS has committed fraud and continues to violate my rights as a consumer.

Company response to consumer: Untimely response
Consumer complaint received 2022-07-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
For background please refer to our prior complaints XXXX, XXXX, XXXX XXXX XXXX. 

Bank of America 's XX/XX/2022 response to complaint XXXX stated : " I am confirmed that our client was satisfied with this explanation at that time and they now consider this matter resolved. '' The quoted statement is false and was made with no basis. From the inception of this situation in XX/XX/2022 up until now, we have continuously demanded BOA provide us with all the information we have requested regarding the circumstances that led BOA to enter a spurious charge to our BOA credit card account. 

This demand has been reiterated in numerous written and oral communications with many BOA personnel- including attempts to bring the situation to the attention of BOA senior executives in XXXX XXXX XXXX. ( With specific reference to our XX/XX/XXXX telephone conversation with BOA 's XXXX XXXX, in which she apparently claims we expressed satisfaction and considered the matter resolved, we invite CFPB and BOA executive management to audit BOA 's recording of that conversation to confirm we said no such thing. ) We here reiterate our demand that BOA provide all the information we have requested over and over - including ( a ) the name of the bank or other institution to which {$1600.00} charged to our account was transmitted by BOA on or about XX/XX/XXXX XXXX ( b ) the specific information ( meaning the actual precise identifying personal data the imposter provided- not vague generalities, guesses or suppositions as to categories or possible types of information ) BOA received from a party impersonating us, upon which BOA relied in charging our account and releasing funds to the imposter. 

The information is obviously in BOA 's possession. We once again insist it be provided to us, in writing, so that we can determine any additional steps we may need to take to protect our assets.

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 2023-05-08
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XX/XX/XXXX account was close and paid off with a XXXX balance they refuse to update the information on my credit report XXXX XXXX XXXX XXXX this account is close. It paid off with a XXXX balance. They refused to update the information on my credit report. 

XXXX in XX/XX/XXXX this account is closed and paid off, is still shows up with a negative balance, a late payment and they refused to update it on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is for the XXXX XXXX account on my report that has been paid in full please review verify and delete the account from my report. Thanks

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 2021-10-06
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:
Transunion is reporting and u verified collection on credit report by XXXX. XXXX, XXXX in the amount of XXXX. Both transunion and XXXX. XXXX are in violation of my rights by reporting a derogatory account on my credit reports that they have not provided proof of verification for. 
The was no written form of communication contact or signature the accused debt at all. 

They are required to provide the original contract AGREEING to pay this amount {$1400.00} bearing my signature Provide / prove that the limitations had not expired this account Show that they are licensed to collect in my state Validation must include pay off disclosure Interest rate disclosure Balance history Payment history Credit insurance

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