BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
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:
I have been successful in getting fraudulent credit accounts removed from my credit reports, but the hard inquiries still remain. I also have fraudulent addresses that do not belong to me on my credit reports with all three credit reporting agencies Equifax, XXXX, and XXXX 
I need removed the following XXXX XXXX XXXX XX/XX/XXXX XXXXXXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX DBA XXXX XX/XX/XXXX False Addresses are as follows XXXX XXXX XXXX, XXXX, NC XXXX XXXX XXXX XXXX, XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
It has come to my attention that there are multiple addresses associated with my credit history that are inaccurate and should be removed immediately. I demand that all addresses, except the following legitimate and current address, be expunged from my credit report : XXXX XXXX XXXX XXXX XXXX, MO XXXX As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information contained in my credit report is accurate, fair, and substantiated. Section 1681i ( a ) of the FCRA mandates that credit reporting agencies investigate disputes and correct any inaccurate or incomplete information within 30 days of receiving a written dispute. 

Accordingly, I am formally disputing the inclusion of any addresses on my credit report that differ from the aforementioned address. Please take immediate action to rectify this discrepancy by removing all incorrect addresses associated with my credit history. 

Failure to comply with this request within the legally mandated timeframe would be a clear violation of the FCRA. I want to emphasize that the inclusion of inaccurate address information on my credit report can have detrimental effects on my financial standing, including the possibility of impacting my ability to secure credit, obtain loans, or establish favorable financial relationships. 

ATTACHED IS A COPY OF MY MOST RECENT ELECTRIC BILL, A PHOTO COPY OF MY PASSPORT AND BIRTH CERTIFICATE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: WELLS FARGO & COMPANY
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Never received gap payment and over charged bank fees

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 2022-02-01
Company: Experian Information Solutions 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:
There are several addresses found on my credit report which are not mine. I believe they are someone else 's and would want these information removed.

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 2022-02-01
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was under a special promotion with XXXX XXXX XXXX that was going to end XXXX qtr 2021. I contacted XXXX about obtaining another promotion and was offered a promotion by their representative. When next months bill came, they charged me full price of over {$100.00} for the month. I told them I was currently only paying {$67.00} total now and that I was offered a reduced rate by their agent and they should honor the rate. I told them was not willing to pay more and they could cancel the service if they were not going to honor the rate. They told me XXXX would not honor the rate quoted but they would give me a gift catd and some other rate. I again told them no, I didnt want it. I contacted the office of the president to complain about the tactics being used. The office looked into it and said the agent made a mistake, but they would give me a gift card. I told them no, not interested. Then they sent me a bill saying my service was never disconnected and I over over {$100.00} per month, thus the {$300.00} collection. I told them ai cancelled months ago and if I didnt wantXXXXto pay {$67.00} and a gift card, what in the name would make them think I instead would pay over {$100.00}. XXXX  has bad customer service and they are wanting me to pay for their agents mistakes. I do not owe a XXXX thing to XXXX and since they have a gift card they kept trying to give me, tell them to us that to pay for the fact that no one disconnected service after I told them too!

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 2023-07-19
Company: Capio Partners, LLC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The original debit was to XXXXXXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXXXXXX  health center never been contacted by XXXX XXXX to pay the debt or to make an agreement with the hospital to pay the debt. after they filled the bill improperly to the insurance, Instead, they decided to send the debt to a collector in XXXX XXXX XXXX XXXX debt collection laws because as live in XXXXXXXX. They have sent me repeated letters that say that my information was sold from the hospital to them, along with the debt in an attempt for them to collect the debt. they call me multiple times a day from multiple different robot numbers changing their number multiple different times they call me while Im at work. The debit collection agency Capio partners ( XXXX XXXX XXXX ) never once informed me on their intentions to purchase my debt and to collect. Nor did the hospitals, tell me their intentions to sell my debt to the collector so that I could handle the debt before it even reached this point, My personal information my email my address and my phone number have all been sold to this company in XXXX for an debt less than {$2000.00} without even contacting me or trying to consolidate it not once did I ever make verbal or written agreements with this company or with the hospital for my debt to be moved or displaced anywhere other than with the company I had made the treatment agreement with this is an obvious method of subterfuge used by this company and by the hospital to collect this debt how they didnt violate my doctor-patient confidentiality right is beyond my reasoning

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-10
Company: GREAT LAKES
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: Account status incorrect

Complaint:
A federal student loan was taken out in my name to cover tuition expenses when records show that I was covered under the post 911 GI Bill. The loan appeared on my credit report. The loan was fraudulent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Account status incorrect

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to transunion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reported XX/XX/2018 Amount : {$21.00} XXXX XXXX reported that my account was delinquent without notifying me of upcoming payment due date. I don't use that account for anything and only use of pride sharing like XXXX or XXXX but I have both of my bank accounts linked to to my XXXX for automatic deduction from my actual funds. I do not use the XXXX  XXXX account but I believe XXXX mistakenly deducted my XXXX  ride from the credit account this time. This was falsely reported and has now made me have a negative impact on my credit score. I will be submitting proof that all of ride sharing is deducted from my linked bank accounts to XXXX and NOT XXXX XXXX as well as proof of the erroneous charge to the XXXX XXXX. I am also attaching proof from my credit report of the delinquent notice issued. I have since paid the balance of the XXXX   XXXX but my credit score is still severely impacted.

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 2023-09-28
Company: EQUIFAX, INC.
State: PA
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:
This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. 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 noteworthy 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Changes in terms mid-deal or after closing

Complaint:
Good afternoon! I would like to ask you please for your support in relation to a loan for vehicles with Honda Finance Services which last installment XXXX was already paid on XX/XX/XXXX. According to the contract ( account XXXX ) for a Honda XXXX XXXX, XXXX installments were established for the amount of XXXX, XXXX each. I have certain doubts because when I call to request explanations about a remaining balance of XXXX after did last pay, they told me that XXXX extensions are due, which were granted by them due to Hurricane Irma and XXXX XXXX. The fact is that I have requested the calculation of detailed interest accrued because it seems unusual to me and I consider the amount of XXXX so high and they only tell me that this is the balance of interest and to refer me to the contract. I see with concern that these extensions were promoted by them supposedly to support at critical moments and it turned out that the interest now is that they come to be informed and without detail. I see with concern being forced to pay the balance without any detail which was not offered either before the extension or after but now at the end for the closing of the credit I find myself with this surprise and that when I request the detail I am only given the full amount of interest. I would like help with this to obtain details and be sure that the debt is fair and what options are available to dispute such a high amount of interest and the way it is arrived. The concern is extended due to the fact that by not paying this balance due to doubts in relation to the amount, it will also continue to generate more interest, making the credit even more expensive. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
First time home buyer, FHA loan. 1st it took them 6 months to locate my 1st months payment. ( My loan was sold ). Then I receive notice my insurance has not been paid and my XXXX property taxes have defaulted. I've called multiple times. I've emailed multiple times and have not heard anything. So many people have had issues with Lakeview loancare llc and yet consumers are forced to continue to deal with this stress. Please, how do we escape the unprofessionalism, uneducated and un-empathetic company. I'm terrified I will lose my home. Please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca

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 2023-10-18
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 status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2023-01-27
Company: DISCOVER BANK
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:
THIS COMPANY IS USING FALSE STATEMENTS AND IS CLAIMING THEY HAVE THE RIGHT TO FURNISH MY REPORT WITH INACCURATE INFORMATION BASE ON A CARD HOLDER AGREEMENT IN WHICH THEY BELIEVE THEY ARE PERMITTED BY LAW ( WHICH LAW ) TO DO SO? THE CARD HOLDER AGREEMENT DOES NOT HAVE ANY WRITTEN SIGNATURE FROM ME. IT DOESN'T INCONSPICUOUSLY GIVE ME THE OPTION TO OPT OUT OF SUCH REPORTING NEITHER. UPON REVIEW OF MY CONSUMER REPORT THE ACCOUNT HAS BEEN CHARE OFF MANY MONTHS AGO AND WHICH UNDER THE 1099C CANCELATION OF DEBT THE IRS STATES CHARGE OFFS ARE INCOME AND INCOME CANT BE REPORT TO ONE CONSUMER REPORT NEITHER CAN A CHARGED OFF ACCOUNT. THIS IS IN VIOLATION OF USC 15 1681S-2 ( A ) ( 1 ) AND USC 1681A ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2022-02-01
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
To Whom it my concern, I am looking over my credit report and I noticed there was collections from midland funding llc for the amount of {$700.00}. I am also looking at the original creditor and this was all settled years ago. It had to do with glasses that I had purchased but returned for some odd reason it never came off my credit report when i had called them years ago XXXX bank agreed that this would be removed. I had thought it was due to there word. I have no dealings with midlund and I do not feel I owe them money under the fair credit reporting act. I never signed any documents with them and as for the original creditor I don't owe the money. Today is XX/XX/2022 this happened over 5 years ago and was all suppose to be fixed with sync.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Maximus Education, LLC dba Aidvantage
State: KY
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 called and spoke with an Aidvantage customer service representative and their supervisor on XX/XX/XXXX. I noticed that my loans did not correctly show " in school status ''. Aidvantage refused to correct it I also spoke with them about the same issue in the fall of XXXX, and it was still not corrected. I was told that I would receive a paper form to be filled out in XXXX hours. I never received the form. I sent a follow up email to Aidvantage about the ongoing problems on XX/XX/XXXX and to the US Department of Education, I have not received and email back from either. I paid to have XXXX update my status to in school and resend it to Aidvantage. Aidvantage updated XXXX of XXXX loans to show " in school ''. On XX/XX/XXXX I attempted to call them, but was told their offices were closed despite it being during normal business hours as listed on their website. I sent another email to them asking it to be fixed, but I am still being charged interest erroneously on the subsidized loans while in school, and now they want me to make payments on them, even though I should not have any payments due until I graduate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Nelnet, Inc.
State: FL
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 am submitting this complaint against a private student loan servicing company, Nelnet. In XX/XX/XXXX, Nelnet reported on my credit report several loan accounts totaling to {$40000.00} in student loans dated fromXX/XX/XXXX. I have contacted Nelnet via telephone and email several times within the last few months, regarding to request information on the student loans. They have not provided me no information in regards to the debt that has been posted on my credit report. I contacted my XXXX institution, XXXX XX/XX/XXXXand Federal Student Aid directly, they disclosed that they have no information on this debt and I will need to contact the private loan company directly. Nelnet has yet to provide documentation that I had requested back in XX/XX/XXXX via telephone. 

I am submitting this request because I did not apply nor did I take out student loans during my XXXX years in XXXX. Nelnet this requesting payment on student loans almost XXXX years after I graduated in XXXX. I have no record or documentation regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have tried calling multiple times to all three bureaus requesting a copy of credit report as I have a XXXX # therefore, I can not get it online. All three bureau continue saying it will take 7 business days for credit report to arrive in the mail. It's been a few months and nothing has come in from XXXX and Equifax. I did get credit report from XXXX. I submitted copy of XXXX # along with consular ID card and energy bill to verify identity as I was asked over the phone. I have not received anything even after mailing documents. XXXX stated over the phone that my credit report comes up on their system under a social security # and the number that XXXX has is not my XXXX # ( I do not have a social ) and that I need to send in documents proving that information XXXX is reporting is inaccurate. COPY of XXXX # and XXXX XXXX along with energy bill to verify identity. I have the right to a copy of my credit report and Im not being heard. 

Although I have received copy of credit report in XX/XX/ I would like to get an updated report from XXXX too.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently made timely payments without any instances of being late. It is completely unacceptable to observe late payments on my account

Company response to consumer: Closed with explanation