BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-25
Company: Experian Information Solutions 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:
A person has attempted to use my personal information to open accounts in my name. I don't know who did this or how they got my information. This is fraud and I have attached the identity theft report that the customer service told me to send in to have this information deleted

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 2018-10-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have submitted copies of Lien Release on my 2nd mortgage via. usps mail, fax and website uploads. There is no justification for such a low credit score at this time. Transunion continues to re-open or open another dispute before they solve the original dispute. Each time they open a new dispute, they take several weeks to review, then automatically disprove the request, even though I have provided the lien release via. usps mail, fax and uploads. 
I am aware that short sales may stay on your credit from 7 to 10 years. However, I have learned that the impact of short sale on your credit should be much less after 4 years. Since I received a lien release on my 2nd mortgage inXX/XX/XXXX, that released any connection to my first mortgage. 
Regardless of when I sold my home, there is no connection between the 1st and 2nd mortgage after I received the lien release on my 2nd mortgage. XXXX XXXX XXXX should not drag my credit down to less than XXXX. In addition, XXXX XXXX XXXX account was closed in XX/XX/XXXX and should not be reported 30 days late since the account is closed with no derogatory late payments. 
I have submitted formal complaints to XXXX XXXX XXXX and XXXX XXXX servicing. They confirmed the issue with incorrect credit reporting is with TransUnion and XXXX. My credit score should be well above the XXXX mark at this time.

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 2022-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I affirm that now I am invoking my creditor status as a Federally Protected Consumer in fact, Original Creditor, Principal and Authorized Representative for XXXX XXXX XXXX on all accounts created by my seal/signature, I order you to make recompense and pay redress and compensation for your trespass against me. You are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means. You have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an hold on my account. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of fraud. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I cant access my funds ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) IDENTITY THIEF ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. Invasion of Individual and Family Privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JH Portfolio Debt Equities, LLC
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 have disputed this account with all 3 bureaus for the past 2 years and the only resolution is that they keep stating the account was verified as mine based on the name on the account. Inwhich per the FCRA to validate a debt it should be able to provide the consumer an application bearing my signature not continuing to ignore all my disputes as verified. I sent this company a certified letter ( XXXX ) ( XXXX XX/XX/2017 asking them directly for validation. They refuse to validate this date per the FCRA

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 2023-06-23
Company: The Receivable Management Services LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I purchased a XXXX dishwasher and the light on the door was not working correctly so I called XXXX and they sent a tech out on XX/XX/XXXX. The tech said there would be no charge since it was still under warranty. I started getting a bill in XXXX from XXXX XXXX XXXX XXXX XXXX  that I owed {$170.00} from XX/XX/XXXX for a repair charge and if I didn't pay it would be turned over to a collection agency. I tried to call XXXX XXXX XXXX but it was automated for you to pay the bill with the reference number and no way to talk to anyone. I knew this was not right and it sounded like a scam. Today I get a bill where it was turned over to a debt collection agency : Receivable Management Services LLC. XXXX. I first called XXXX and they looked my account up and saw the tech was out XX/XX/XXXX and they paid XXXX XXXX  XXXX in XXXX and I did not owe anything and for me to call this debt agency and tell them. I did call them and told them they didn't even have the correct date for the service call and it was under warranty, then the girl said that was the charge to send the truck out and I explained to her that XXXX had already paid the bill and I didn't owe anything nor was I paying anything to them. I tried to go to the site on this bill : XXXX, but it is not legit just like the first phone number I had called back in XXXX when I got a bill from XXXX XXXX XXXX XXXX XXXX This is a scam and they are not legit. Someone needs to stop them and also let XXXX know what is going on with their customers.

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 2022-06-18
Company: Experian Information Solutions Inc.
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:
Good afternoon, The account is in deferment until XX/XX/2026, but the credit bureaus : Experian and XXXX keep reporting it back as open. I would like this to be properly reported as deferred and not open. Thank you. I have included the deferment letter.

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 2023-09-29
Company: Experian Information Solutions Inc.
State: GA
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:
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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 2021-01-27
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I started receiving phone calls from someone last summer claiming that I owe a debt for a pay-pal purchase of {$1700.00} for a account that I never even applied for. I told them that I do not have a pay-pal account and this must be fraud. They asked me if I disputed the charge? I said I was disputing it because I never applied for this credit. A few months later i received a notice from a XXXX XXXX XXXX XXXX. I Called them and asked when this account was opened and what did I purchase and from who? They told me It was opened XXXX XXXX, 2019 but they have no details about what it was for just that they were attempting to collect a debt. Last XXXX I received another collection letter saying that the debt has been investigated and I am responsible for it. I did not apply for this account I never received any bills or any kind of notification from a pay-pal account. But they claim I opened it and made the charge the same day. I did not have any idea that this account was opened no statements emails or anything till they started calling and told me I was delinquent on paying SYNCHRONY BANK, PAY-PAL CREDIT

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 2019-06-12
Company: EQUIFAX, 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:
Equifax and XXXX are reporting a 30 day late on the XXXX account number XXXX. The date of last activity was in XXXX, 2017. This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. Please remove this line item from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: EdFinancial Services
State: TN
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 paid all of my payments early since the beginning of XXXX. I get notifications that my payments were accepted and get confirmation. Then partial payments are being reversed. I am not getting notification. I have the funds available in my account. I end up paying and repaying the same payments because of continuous payment reversals. I call every time this happens. When I do the representatives say that they see the reversals, but they dont know what happened. I called in XXXX and the representative told me that they didnt know what happened, but theyd turn it in for investigation, and call me back last Thursday XX/XX/XXXX with an answer. I never received a call. I made another payment with yet another reversal. I called and this representative said they talked to their supervisor. When they came back to the phone they said that it was being investigated and they were sorry I was frustrated, but that was all they could do. I paid the rest of my payment early again. I check the Ed financial site, and what do you think happened? The payment was reversed. Now if it says that I have a late payment! This will go on my credit score! This is their fault. It is deceitful and fraudulent. I deserve proper management of my account when I am keeping up my end of the bargain and paying my payments back responsibly.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I told my bank I was scammed but they said there was not proof, if someone else taking my money, I was scare to share what happen, because was scare by the person who scammed, saying it was an investment. 
The manager number is XXXX ( XXXX ) XXXX He contacted me, saying to send XXXX so I can get my money back, they stole XXXX from me but the bank couldnt get it, 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 2023-03-23
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 an identity theft account. 

XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX This is a fraud account. They had originally said that I owed over {$10000.00}. I reported it and it was removed already from my report and now it's appearing again. Now they claim I owe them {$4600.00}. Please investigate and delete and block them.

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 2018-10-21
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: Account status incorrect

Complaint:
All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is ( XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-27
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
At our request, my loan with Specialized Loan Servicing, LLC ( SLS ) went into forbearance on XX/XX/XXXX through XX/XX/XXXX due to lost income as a result of the COVID-19 pandemic. On XX/XX/XXXX SLS automatically extended the forbearance through XX/XX/XXXX. I then applied for a loan modification in XXXX XXXX and because of numerous communication failures and unhelpful/unqualified customer service personnel, I am still not able to resume a monthly payment schedule. Once I applied for the loan modification, I was inundated with 7 applications ( in total ) from XXXX through XX/XX/XXXX all requiring different information and most were rejected for inane reasons. Finally, on XXXX XXXX, XXXX, I was informed that my application had been accepted and under review for assistance. Then on XX/XX/XXXX, I received a letter from SLS stating that they were awaiting my property valuation before they could proceed. However, I have two property valuation documents sent from SLS dated XXXX XXXX and XXXX XXXX, XXXX respectively. I have recorded all calls to and from SLS and the runaround I've received ( not to mention the customer service staff 's total lack of knowledge/experience regarding my loan modification ) has been totally unacceptable.

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 2017-06-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have XXXX XXXX full access to my account. They have verified me via checking account and debit card. Bank of America was supposed to report my recent transactions so XXXX XXXX can calculate my max out to reborrow until next pay day. I contacted BOA XX/XX/XXXX - let the rep know I approve XXXX XXXX, and they are trying to get info so I can receive more funds. XX/XX/XXXX - my light bill was supposed to draft from my account via bill pay services BUT because BOA did not report to XXXX XXXX as requested the bill pay did not go through. In return my lights will be cut off XX/XX/XXXX when I called to try and get help AGAIN from BOA they gave no help at all!! And the thing that upsets me the most is they acted as if they did not care my account was going to overdraft and/or my LIGHTS a very important thing ( as well as XXXX and gym membership ) will not be Paid. Or my account will have many overdraft fees. To put the icing on the cake ; BOA had an online promo at time of application to open my account. The promotion read : " {$300.00} bonus when you deposit {$4000.00} within 90days of opening account, once meet {$300.00} credit will be funded to my account within 1 billing cycle. '' BOA is now telling me that promotion is not on my account. I was choosing between XXXX XXXX and BOA the ONLY reason I chose BOA, a non-local bank, is because of their promotion. I reached $ 4000+ deposit on XX/XX/XXXX Please help me in solving these problems. <P/>Thanks in Avdance!!!

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 2022-12-28
Company: Experian Information Solutions Inc.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2023-11-03
Company: EdFinancial Services
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
With EdFinancial moving websites, they prompt users to create a new account in order to access their loan information and make payments. The problem is that when I attempt to create an account, the website brings me to an error page and simply tells me to try again later. Despite trying again the next day, the problem persists and I'm no step closer to accessing any loan information from the servicer or being able to actually make a payment.

Company response to consumer: Untimely response