BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a a unverified account from NEW YORK STATE HIGHER EDUCATION SERVICES CORP. I had previously disputed this account. I have never done business with. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe.

I request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP # 3101 Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An  itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that NEW YORK STATE HIGHER EDUCATION SERVICES CORP. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received written notice from Pioneer Credit Recovery XX/XX/2023, see attached Document. 
Attempted multiple times from late XX/XX/2023 to mid XX/XX/2023 to phone Pioneer Credit Recovery with out them returning any of my calls. 
On XX/XX/2023 I sent them a certified letter pursuant to the Fair Debt Collection Practices Act, 15 USC 16929 stating their claim is disputed by me and validation is requested. 
To this day Pioneer Credit Recovery has not responded to my demand.

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 2022-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
-VISA gift card was purchased in XX/XX/XXXX for {$150.00} in the store for the card plus {$5.00} activation fee. 
- Card did not work when attempted to use. 
- Called company XX/XX/XXXX and was told they put the card inactive in XX/XX/XXXX due to someone fraudulent activity. They said the card had attempted to be used in XX/XX/XXXX. 
-Company said they would send out another one and I would receive in 7 days. 
- I did not receive card in 7 days so called again and they said it would be XXXX days and would be here by XX/XX/XXXX. 
- I did not receive the card by XX/XX/XXXX so called today, XX/XX/XXXX and was told they would have to make that card inactive. 
- They said they would send out a new card but that they were deducuting {$5.00} for the new card and it would come off of my {$150.00} balance. 

This is wrong in so many ways. I spoke to XXXX XXXX a supervisor ) who would not adjust that fee. To charge a customer another {$5.00} fee when we have not been able to use the card in the first place is not right! I feel like this company is fraudulent. If I had trusted that a new card was being sent out and didn't keep my old card for reference they told me they wouldn't be able to help me. Are they doing this on purpose. Are they making cards inactive for the customer to call in and then hope they threw the inactive card away where now they have no way of tracking what is happening with the new card sent out? Something is not right with this. To charge me another {$5.00} and for us to now have to wait another XXXX days to get the card is not ok. I feel like I will be making another call as this card ( which is now less than {$150.00} to cover the new {$5.00} ) probably won't show up either. This needs to be investigated!

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 2023-09-18
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I requested to see how this debt was validated on XX/XX/21 through XXXX for 2 line items under collections- I received no correspondence and the file was once again noted as being verified- I C SYSTEM INC in the amount of {$270.00} and {$1100.00}

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 explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, INC.
State: OH
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 Acct 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. 

Reported Bal : {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: SunTx Capital Partners
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is a follow up on complaint number XXXX - XXXX Submitted on XXXX XXXX. Documents submitted.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-22
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of America allowed XXXX, who I reported as fraudulent, to steal my money & made a deal with XXXX XXXX XXXX Bank of America corroborated with XXXXXXXX XXXX XXXX  XXXX XXXX. XXXX  has admitted to me in XXXX now XX/XX/2022 that a refund is necessary and that BOA can contact them but its lostvnow in fraudulent Bank of America !

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 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018 I was notified by XXXX XXXX and XXXX XXXX that there was a hard pull of my credit report by XXXX XXXX, of my Trans Union Credit Report XXXX I contacted Trans Union and advised them of the incident and i put a cridit freeze on my account. Trans Union told me that I would have to deal directly with XXXX to have the hard inquiry removed from my account. 
I contacted XXXX fraud department. They advised me that they were unable to remove the hard inquiry from my credit report, that Trans -Union would have to contact them with a dispute filed by me. XXXX told me to contact CFPB to assist in resolving this issue. 
I have never had an account, nor have I ever done business with 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 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Since XX/XX/2022 I been trying to make correction in my credit report, the furnisher verified the disputed information as accurate and the credit reporting agency completed XXXX  investigations and has failed to make delete make corrections despite the fact that the information disputed can not be verified by the furnisher. Credit Agency deleted as they fit in order to complete investigations. Furthermore according to California Consumer 's Law, I am still waiting for credit agency to provide precisely the way the investigation was completed. As of this date, continues to report trade line incomplete and with errors. 
The furnisher, refuses to comply and has failed to comply with my request to produce documents requested for the disputed information. 
Attachment below shows a last attempt to fix the issue spent over an hour getting nowhere due to the unqualified employees, limit access or unable to escalate calls since they are all working from home or in XXXX. Lastly, the representative made me, in order to be able to assist me to provide the full social security number, despite the fact that I provided a full account #. 
Furnisher advised, " we do not have the records '', Transition verified that Xs were placed in the trade line because the furnisher did not know the 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 non-monetary relief
Consumer complaint received 2022-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information 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 remove these files. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX po box XXXX XXXX, NC XXXX XXXX XXXX XXXX : {$9300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus 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 explanation
Consumer complaint received 2023-02-23
Company: Freedom Mortgage Company
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage company received funding from the Homeowners Assistance Fund on my behalf in XX/XX/XXXX. ILHAF paid all money in the rear {$11000.00} plus 3 future payments totaling {$2700.00}. My mortgage company applied the payments incorrectly to my loan therefore causing a lot of issues for me. It has been a headache, time and energy wasted trying to get them to correct this issue. I called in XXXX and sent them a written request on XX/XX/XXXX regarding my payments being applied incorrectly. All the back payments and future payments sent by ILHAF were applied to the 1098 tax year XXXX, which should not have been. Two of the payments should have been applied to XXXX tax 1098. My mortgage payment are XXXX and has been for over 16 years. I have a conventional loan so the amount should not have changed. I do not have PMI or an Escrow account. Where did they apply my lost payment of {$920.00} plus {$19.00}? They also have a Corporate Advance Fee on there for {$19.00} which Im not sure why its there but ILHAF paid that as well in the lump sum amount of {$13000.00}. They actually applied PMI to my mortgage and that should not have been there. I have a conventional loan. Ive been in my home for over 16 years and have equity of over 50 %. I have never defaulted on my homeowners insurance. Now they are sending me statements saying I owe them a payment for XX/XX/XXXX, a late fee and {$19.00} for a Corporate advance Fee which is incorrect. Im tired!!! Can you Please assist me with this company?

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 2022-07-07
Company: Experian Information Solutions Inc.
State: MD
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  Account XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN,XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX DE, XXXX, XXXX XXXX XXXX inquired on XX/XX/XXXX, XXXX  XXXX XXXX  inquired on XX/XX/XXXX, XXXX XXXX  inquired on XX/XX/XXXX XXXX XXXX inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX inquired on XX/XX/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 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 2018-09-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Multiple credit inquires have been conducted without my knowledge and consent.

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 2018-10-31
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: Their investigation did not fix an error on your report

Complaint:
I settled an account for XXXX XXXX with XXXX XXXX XXXX. I have attached a copy of that settlement. I disputed this with all three bureaus and they did not remove the balance on the account. This is a violation of my rights under the Fair Credit Reporting Act. 

XXXX account number 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 2021-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I placed an order from XXXX for {$2600.00}, on XXXX XXXX. Waited about a week for my order, and my order never arrived despite tracking showing delivery. I contacted XXXX for any response or help in locating the order and they did not help at all, and told me to file police report. I filed the police report for the missing package from XXXX and submitted to XXXX. I have not heard from XXXX since. A few days passed and I decided to go through my bank, Chase, and disputed the credit card transaction with them. 

After I submitted the disputed with my credit card company -- Chase -- XXXX replied to my dispute and said it was delivered and Chase sided with XXXX. I still have not received my order or refund. 

I know I never received the order because I have a security camera in front of my house, and my security camera would have recorded the carrier delivering the order. There was no recording captured by my camera at the date and time the order was showing delivered by the carrier. Not only that, they stated that the package was signed for, however, the signature was not mine signature and whoever signed for it spelled my name wrong. 

Not only that, I also filed a police report as requested by XXXX and the representative from XXXX said once I submit the Police Report to them that they can help with refund, but that did not do anything as I have submitted the Police Report to them and I still have not received a refund or a reshipment of my order. I have also tried to submit the police report to Chase as further proof that I did not receive the order to back up my claim that I did not receive what I purchased from XXXX but Chase is refusing to even look at it or receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-02
Company: EQUIFAX, 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:
I have sent information to XXXX on several occassions regarding a home that I sold in XX/XX/XXXX.They corrected it and then it appears back on XX/XX/XXXX .report # XXXX. They ( XXXX ) states that a creditor received a deed ( CRD  ) what creditor.Foreclosed I have never lost a house as XXXX XXXX XXXX was paid and also requested XXXX  and to take the word Foreclosure off my record. That was done by XXXX   XXXX  @ Executive Mortgage Complaints Office of Executive Complaints XXXXXXXX XXXX XXXX, ( see attached ) .Voluntary Surrender ( What ) as I have never volunteered anything. Repossession ( What ) I have never had anything repossessed ( paid by creditor ( WHO ) Insurance Claim ( WHO ) The only Insurance Claim I had was an illegal tenant that XXXX  and a joint company paid. The following jury trial I was awarded XXXX.I have never filed any claim against the government that I know of.Defaulted on Contract of ( What ). None of these current accusations have appeared in the past so what prompted all of this was it because I am involved in a Class Action Lawsuit.They show Collection ( What Collection and what time and date.Charge Off by who was it XXXX? ) for a tail light? .They say too many Inquires well XXXX   requested 4 times and 4 times for what as XXXX had a freeze on my account on XX/XX/XXXX that caused me not to be able to purchase a washer and dryer at XXXX XXXX on XX/XX/XXXX reference number # XXXX. XXXX XXXX phone # XXXX. ( XXXX I don't and didn't ask for this so why didn't they take the time to call when these inquiries are lowering my scores.The Collusion of these reporting agencies and the consumers inability to talk to someone should be curtailed. The Internal Revenue request and XXXX  says that they have no number. Come on The IRS.And XXXX  Inquiry on XX/XX/XXXX for what?.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF and COLLECTION accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off and collection, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX . 

Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Bank Statement as verification of my ONLY address.

Company response to consumer: Closed with non-monetary relief