BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
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:
I sent a letter to the 3 Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX  XXXX Balance Owed : {$620.00}.

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 2021-07-28
Company: Visio Financial Services Inc.
State: CO
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:
I have a commercial loan I closed w a broker in XXXX of 2021 through Visio. Both visio and my broker told me multiple times it would not show up on credit bc it was a commercial loan. Both their websites actively advertise this. 
Anyway everything was fine until my loan was sold to XXXX XXXX  out of XXXX. They are reporting my commercial loan on personal credit as of this month. 
XXXX XXXX said they can bc I am a guarantor. I paid over $ XXXX to buy down loan and have a prepayment penalty. Either the broker and Visio actively lied to me or XXXX is in the wrong. I need to know who and how to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am a victim of identity theft & the person is completing applications in my name without my permission. I have included my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Starting on XX/XX/XXXX, when I received SNAP benefits, I have applied now 3 times now for a 12 month Economic Hardship Deferment from FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education, for my subsidized and unsubsidized Stafford loans. 

Since I am a SNAP recipient, by law I am entitled to a Deferment so that my subsidized loans do not accrue interest. 

However, FedLoan Servicing / Pennsylvania Higher Education Assistance Agency / US Dept of Education keep rejecting my application and instead placing my loans in short forbearance, first for only 2 weeks and today for only 2 months. 

I noticed this was never a problem under Obama, but was under the Bush administration and now under current admin and XXXX. 

I submitted the appropriate documentation, I am entitled to a Deferment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-02
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Company is Credence Resources Manage Account # XXXX Trying to collect {$110.00} for XXXX XXXX XXXX I moved from XXXX XXXX XXXX to XXXX early this year. We called XXXX XXXX XXXX from the XXXX store. Told them we was cancelling our service with XXXX XXXX XXXXWe also ported our phone numbers we had with XXXX XXXX XXXX. I did not trust XXXX XXXX XXXX so after we left XXXX I went to a local XXXX XXXX XXXX store and told them that we was cancelling our service.I did this because a friend previously told me not to trust them. Now Credence Resource Manage has been calling us constantly telling us he had to pay the {$110.00}. We done everything correctly. I have excellent credit. I always pay my bills promptly but now they are going out to all of the credit reporting agencies about this collection. Thank you so much for your help. 
XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 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 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 2021-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2021-03-09
Company: ENCORE CAPITAL GROUP INC.
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Midland Credit and their attorney purchased a closed account from XXXX XXXX and parked it on my credit reports and reporting inaccurate status as opened and current as of 2019. When disputing it with bureaus they refuse to change their status. I also sent them a letter of judgement proof because I am only receiving social security XXXX and they have initiated a small claims court case. Also they have been collecting credit reports without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Avadyne Health Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The only contact I received was a phone call from the collection agency wanting payment. I then contacted XXXX XXXX to confirm when the notice was sent to me about this past due money, and they could not provide any notification of any contact from them to me about this debt. The collection company was very aggressive and we worked out a payment plan. I am in the process of buying a house and this debt has ruined my credit score. I was told by my lender that medical debt by law should not be reported on my credit score. I just need this removed from any credit reporting companies asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Was told u would receive a settlement or balance paid off of remaining balance owed, and my title given to me. Haven't heard anything from them and continue to get the run around. I got a loan through chrysler capital, which is owned by santander.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: Square Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020 i had open a bank account with XXXX XXXX, with it been so recent obviously i couldnt have a debit card right away to have access to funds. i had a cash app account well i decided to go ahead and transfer {$400.00} over and have it handy within seconds according to cash app it available in minutes.Thats when my nightmare starts XXXX eve no money in bank or no money in cash app. I tried to contact cash app, but obviously they have no live customer services making it the worse to get an answer. On one hand cash app no response, other hand ( than they understand and that they will do everything they can to make it right and keep me happy key bank was willing to cooperate ) This goes on yet still today and nobody can do anything about i have over 100 emails back and forward including one from XXXX stating that the funds were in fact returned on XX/XX/2020, with time, date, and where funds were directed, they cant even provide me with a tracking number, or a transaction history or number. 
Cash app rejected the funds to a card that is not even my card, its from XXXX  XXXX XXXX. instead of sending back to my bank which is XXXX XXXX 
I need someone to have the courage to step up to do what they believe is right. This Company is gon na keep doing this every day and this cash app, or bank will go out of control. Not even the XXXX  can make them response to the complaint. 
I wish somebody would guide me the right direction. 
Every email that I have received from cash app has been about how much they care about me and the privacy of my account but never got a real answer or a definite answer on where my money is people live on pay check to pay check and can not afford to lose a dollar. 

P.S today marks over 75 days since i have not had a clear answer from cash app they always say ur case has been closed due to you because u havent contacted us in three or more days This is the lamest idea i have ever heard you guys should be embarrass for what ur doing to people that really need it. 
This really the last email before i seek legal advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Lendmark Financial Services
State: KY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX of XXXX my vehicle was stolen with my wallet being inside wich lead the perpetrator to identity theft & later wrecking my vehicle before being in police custody. 
On XXXX. XXXX. XXXX the defendant plead guilty to misdemeanor theft, evading police, property theft and damage under XXXX. 
I am submitting indictment court issued documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: Experian Information Solutions Inc.
State: AZ
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 one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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 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 2023-10-10
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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 2021-03-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/21 US Bank in XXXX XXXX, CA charged me XXXX {$36.00} = {$72.00} Overdraft Charges on check # XXXX. On XX/XX/21 I was charged another XXXX XXXX on check # XXXX. I set up the second checking account at the advise and recommendation of a bank teller. I was guaranteed that both checking accounts were linked together to avoid future Overdraft Charges. Since I was having ongoing issues related to accessing my account on line. I was informed that a technical employee would call me to assist me. Unfortunately my multiple attempts to get assistance never revealed any positive results. I made a complaint to the a manager at the XXXX XXXX Branch, but they did not do anything to help me. When I opened up the second checking account I was told that since I was a good long standing customer the bank and that I was having internet problems, they would notify me when my account was reaching a XXXX balance.

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 2023-06-28
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-28
Company: Experian Information Solutions Inc.
State: UT
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:
Experian continues to report inquires that were not inquired by me. I have already called and disputed but yet I'm told called to police or file a FTC report. Why would I wasted tax dollars on unauthorized Inquires. I don't need to call the police for a dispute. As consumer I know my rights and Experian needs to follow the FCRA law when it comes to consumer credit. I've made FTC reports and yet they refuse to remove them from my credit report. This my third FTC and I also made my complaints with the XXXX as well. XXXX the following needs to be removed from my credit report. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXby law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ).

Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]. These false verifications stating their information is accurate but yet I have not received nothing in the mail nor explain for the authorization for these inquires. This XXXX is getting on my last nerves. I will seek legal matters to sue. I'm tired of their false placement on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Sending correspondence requesting deletion of unverified accounts and not receiving a response from them. They can not validate and verify so it needs to be 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 explanation
Consumer complaint received 2018-04-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have submitted several or more applications with Bay view Loan Serving LLC., a servicing loan co for my mortgage, and each time they have classified my application as incomplete, not on time, and missing. I have compiled with their request to complete the applications each time, and return to them within their time frame requested. I am still receiving replies from Bay view Loan serving that the applications are still incomplete. This has been repeated process from XX/XX/XXXX and continues to, ( XX/XX/XXXX). My mortgage balance is XXXX and I am paying a mortgage note of {$1100.00} monthly, with an interest rate of 8.3 %. I am retired, XXXX and a XXXX  patented. I have borrowed from relatives in helping to complete the mortgage payment, but still behind a payment every month. I have submitted hardship letters in my behalf, to support my application for modification to Bay view Loan Servicing LLC ... Customer is assign to asset manager who state in their letters that they are available if and when needed, but the asset manager are never available. The caller is put on hold for hours and never gets to speak with the person whom he or she assigned or is asked to leave a message that is never answered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

Company response to consumer: Closed with explanation